Financial Planning

We provide a holistic approach to financial planning with a view of long term investing in good quality, low cost, no commission based investments.

Financial Planning

We provide a holistic approach to financial planning with a view of long term investing in good quality, low cost, no commission based investments. We also recommend good quality residential and commercial property, particularly practice premises as these tend to be the best investments for our clients. The aim is to always buy and hold good quality investments with the idea of producing sound capital growth for retirement and beyond. Our association with our Australian Financial Services Licensee (AFSL), Independent Financial Advisers Australia and the association, Independent Financial Advisers Association Australia (IFAAA) ensures we continue providing impartial advice that meets your interests at all times.

financial planning for medical professionals

Financial Planning Service for Medical Professionals

Our financial planning services for doctors and dentists includes:

  • Superannuation advice including self-managed superannuation funds (SMSF’s), commencement of pension and retirement planning;
  • Cash flow planning to meet future needs and desires including the desire to fund private school fees for children;
  • Intergenerational financial planning to incorporate children, grandchildren and extended family into your financial plan;
  • Investment advice via use of investment structures for retirement wealth creation; and
  • Personal risk insurance advice.

Ten Principles of Investing

Our ten principles around investing have always been:

  • Never trust anyone else with your money. Stay in control of your wealth at all times.

  • The best investment is your practice, and the next best investment is your home.

  • Use spouses, family trusts, companies and SMSF’s to protect investments and achieve better after-tax rates of return.

  • Consume less than you earn, and invest the excess in a mix of diverse asset classes, skewed to producing non-taxable unrealised capital gains.

  • Favour direct investments over indirect investments.

  • Carefully use debt to maximise after-tax growth.

  • Emphasise cash flow positive investments to increase net cash flow and decrease risk.

  • Anyone who is dogmatic about a particular product is probably a salesman. Avoid them.

  • High cost managed funds or platforms are typically poor ‘investments.’ Avoid them too.

  • Avoid investing in anything that pays anyone a commission or something that looks like a commission, such as asset based fees.

This has been our investment philosophy for more than a decade and we continue to stand by these principles.

accounting on the go, we keep working
Your financial road map for medical professionals

Your Financial Road Map

The most important financial decision for most clients is how to fund the purchase of a family home, children’s education costs and how to set up a practice and possibly purchase practice premises. The next phase of financial planning tends to be towards accumulating good quality investments and succession planning towards retirement. At Curve we can provide a premium financial service to prepare your Financial Road Map to plan towards your financial targets. Progress meetings as a way of having a financial health check throughout the year is encouraged to ensure you are making significant progress on the important things in your life from a financial perspective to help you meet and prosper towards your long term financial goals.

Get in touch for a FREE consultation

CONTACT US

Our Offices

Head Office

Postal Address
PO Box 81
Moorabbin VIC 3189

Phone
(03) 9588 9000

Richmond Office

Address
‘Spaces’ Level 1, 580 Church Street
Richmond VIC 3121

Phone
(03) 9583 6533

Geelong Office

Address
Suite 1, Level 1, 27-31 Myers Street
Geelong, VIC 3220

Phone
03 5221 1744

Brisbane Office

Address
Level 12, 269 Wickham Street
Fortitude Valley QLD 4006

Phone
07 3338 5721