Helping Melbourne's South-East Plan for the Future

 Healthcare professionals often have varied income across private practice, public hospital salary, and locum work, and accumulated super across multiple funds. Consolidating super, reviewing insurance held inside super, and planning for both employed and self-employed phases are common starting points.

The key drivers are national (accumulated super, age pension entitlement, lifestyle costs, longevity), but Melbourne-specific factors include healthcare access, public transport that may reduce the need for two cars, and the cost of utilities through cold winters. Conservative income projections that last 25 to 30 years of retirement are the foundation. 

Small business retirement planning often centres on the small business CGT concessions, which can allow the sale of an active business asset to be substantially tax-effective if certain conditions are met. The timing of sale, super contribution caps in the year of sale, and the structure of the business all affect the outcome. 

Family business succession is part legal, part tax, part financial planning, and part family communication. Common questions include how to fairly treat children involved and not involved in the business, how to structure ownership transitions, and how to fund retirement for the exiting generation. We work alongside your solicitor and accountant on structure.

Income protection, life, total and permanent disability (TPD), and trauma cover are the main personal insurance categories. The right combination depends on income, dependants, debt, and existing employer-provided cover. Many professionals have automatic insurance through industry super that may or may not match their actual needs.