A financial adviser for doctors who keep losing half their income to tax.
A financial adviser for doctors, dealing with the things a medical career actually throws up: a top tax bracket, locum income that moves around, indemnity premiums, and property inside a super fund. One adviser who has done this work for doctors before, rather than one learning on you.
Four conversations doctors keep needing.
Same adviser, same file, across all four. Nobody gets handed off to a separate tax adviser, broker or buyer's agent.
Set up for a high tax rate
On the top bracket, every dollar you keep matters. Salary packaging, debt you can actually claim, and investments held the right way — all inside the plan rather than bolted on at tax time.
Cover that actually pays
Insuring a medical career is fiddly. Insurers want your health records, and sometimes those records are overseas. We have put policies in place for clients pulling theirs out of the NHS.
Property inside your super
More than 30 of these loans written, with the advice and the loan from the same person. New residential borrowing inside super stopped on 10 August 2026; commercial is unaffected. We use La Trobe, Mortgage Ezy, Pepper and Granite Home Loans.
Two loans that work together
The loan on the place you live in and the one on the rental, set up alongside each other, so what you can claim and what you can afford both line up from day one. More than 50 lenders to choose from.
Why a medical career needs this.
Doctors start earning properly five or ten years after everyone they went to school with — and then it climbs very fast. The standard advice playbook doesn't cope with that shape at all.
The same person follows you from locum work to a salaried job to private practice, through the indemnity premiums and the jump from registrar to fellow. The file follows your career instead of starting again every time you change roles.
In practice: a lot of work with specialist doctors across income protection, TPD cover, SMSF, and property investment. The tax piece usually sits under tax-effective investing rather than something scrambled together in June, with retirement planning taking over as careers settle.
The numbers, plainly.
What things cost. Nothing bundled in quietly.
- First chat
- Free. About half an hour.
- Usual loan size
- $500K to $800K
- Usual property price
- $800K to $2M
- Buyer's agent fee
- Fixed, from $10,000 + GST
- Your financial plan
- Included if we buy for you
- Where we work
- All of Australia — online or in person.
What doctors have said.
Two quotes from specialist doctors, printed exactly as they sent them.
Balki and Opes Financial solutions provided us with highly professional and ethical advice regarding our financial planning, investment and housing needs.
He had helped me right from the beginning in setting up my personal risk insurance, which I thought was incredibly difficult as I had to obtain my health record details from NHS.
Keep reading
- SMSF lendingAdvice and the loan from one adviser. 30+ written.
- Income protectionCover that pays, applied for with your full medical records.
- TPD insuranceA lump sum for when income protection is not enough on its own.
- Tax-effective investingKeeping more of a top-bracket income, legally.
- Retirement planningWhere a medical career ends up, financially.
- Meet the teamBalki and Kruti Balakrishnan.
Anything general on this page doesn't take your own situation into account. Read the relevant Product Disclosure Statement before buying anything mentioned here. Advice that actually applies to you happens in the meeting, with your numbers in front of us.
One file. Four conversations. One person.
If you're a doctor or specialist and you'd rather have one adviser across tax, insurance, super and property, the first call is free.