Investing For Doctors Podcast

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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In this episode of Investing for Doctors, Dr. Bi cuts through the political noise to explain exactly what changed in the 2026 Federal Budget and what it means for your financial future as a property investor. We unpack the end of the 50% capital gains tax discount, the move to cost-based indexation, the new 30% minimum tax on gains, and what the restriction of negative gearing on established properties really means in practice.
We explore who these changes affect, what has been grandfathered, why new builds are now the preferred vehicle for property investors, and how company structures may become the new default for serious investors. Most importantly, we run the actual numbers to show whether these changes are as damaging as the headlines suggest.
This episode is a clear, rational, numbers-driven analysis of what has changed, who it hits hardest, and what smart investors should be doing right now.

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TIME STAMPS:

00:00 Intro Hook
00:42 Changes to Capital Gains Tax Discount
03:26 Transitional Protections and Special Carve-Outs
05:34 Impact on Speculative Investing and Income Support
11:06 Reforms to Negative Gearing
17:52 Impact on Investment Strategies
25:23 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

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LISTEN TO THE PODCAST
 
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 

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FIND US HERE
 
Website: https://ifdgroup.com.au/ 
Facebook Group: https://www.facebook.com/groups/investingfordoctors 
Facebook Page: https://www.facebook.com/investingfordoctors 

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DISCLAIMER
 
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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We're re-releasing this episode with Roger Wheelahan, Managing Director and Financial Adviser at Smart Financial Services, because the content is simply too valuable to be missed. Whether you're hearing it for the first time or coming back for a refresher, it's just as relevant today as when we first aired it.
Roger reveals why your income is your most valuable asset and why protecting it should come before paying off HECS, buying property, or investing in shares. We cover the four key types of cover every doctor needs — income protection, life insurance, TPD, and trauma — plus the traps hiding in default super and how small changes can save you thousands.
If you're an intern, registrar, or early-career consultant, this episode will show you how to avoid costly insurance mistakes, structure your cover properly, and build a financial foundation that protects everything you're working for.

TIME STAMPS:
00:00 Intro/Hook
01:42 Guest Introduction
02:24 Role of Financial Advisor and Misconceptions
03:59 The important asset is YOU
05:44 Understanding Debt and HEX Debt
09:15 Insure yourself
13:54 5 D Approach of Risk
15:24 Types of Insurance and Their Importance
24:33 Financial Planning for Married Doctors
33:52 Value of the Financial Adviser
41:14 Structuring Assets and Tax Incentives
49:47 Conclusion/Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

https://www.linkedin.com/in/roger-wheelahan-8ba53149/

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LISTEN TO THE PODCAST
 
LISTEN TO THE PODCAST:
Spotify: https://spoti.fi/3FoBRAy
Apple Podcast: https://apple.co/4iks50N
Amazon Music: https://amzn.to/3DoyJnP
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FIND US HERE
 
Website: https://ifdgroup.com.au/ 
Facebook Group: https://www.facebook.com/groups/investingfordoctors 
Facebook Page: https://www.facebook.com/investingfordoctors 

-----
 
DISCLAIMER
 
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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Financial advice shouldn't be a luxury, but for 80% of Australians, it is. We're resharing this one because the insights are just as relevant today as when it first aired.

In this episode, join me, Dr Bi Mian, together with Jessica Brady, a maverick financial advisor who sold her award-winning practice to create accessible money programs for the people the traditional system left behind.

Jessica talks about why traditional financial advice now costs up to $8,100 annually, why the "I'm bad with money" mindset is quietly holding women back from building wealth, and why waiting for the perfect time to start is a trap.

If you want quality money education without the hefty price tag of traditional advice, make sure to listen to this episode!

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

https://jessicabrady.com.au/ 
https://www.instagram.com/jessbrady_financialadvice/ 
https://au.linkedin.com/in/jessica-brady-21165812 
https://podcasts.apple.com/au/podcast/financially-fierce/id1727968994 

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LISTEN TO THE PODCAST
 
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 
 
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FIND US HERE
 
Website: https://ifdgroup.com.au/ 
Facebook Group: https://www.facebook.com/groups/investingfordoctors 
Facebook Page: https://www.facebook.com/investingfordoctors 

-----
 
DISCLAIMER 
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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With the second clinical term now underway, interns and junior doctors can finally come up for air. And there's no better time to start getting your finances sorted. We're revisiting this episode because the timing feels just right!
In this episode, join me, Dr Bi Mian, and returning guest Jessica Brady, Money Educator and Financially Fierce Podcast Host, who built accessible online money programs to help everyday Australians after selling her award-winning practice.
Jessica covers conscious cash flow planning, automating your banking for effortless wealth building, goal-setting psychology, insurance considerations for medical professionals, and how to approach your first property purchase as a doctor.
If you want to build sustainable wealth and avoid the money mistakes that trap many young doctors, this one's for you.

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

https://jessicabrady.com.au/ 
https://au.linkedin.com/in/jessica-brady-21165812 
https://podcasts.apple.com/au/podcast/financially-fierce/id1727968994 

-----
 
LISTEN TO THE PODCAST
 
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 
 
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FIND US HERE
 
Website: https://ifdgroup.com.au/ 
Facebook Group: https://www.facebook.com/groups/investingfordoctors 
Facebook Page: https://www.facebook.com/investingfordoctors 

-----
DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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We're bringing this one back.  You've been asking these questions and this episode has the answers!
In this episode, join me, Dr Bi Mian, and Roger Wheelahan, a financial advisor with over 25 years of experience helping individuals and businesses with succession planning, risk management, and retirement strategies.
Roger shares how doctors can protect their medical practices with strategic buy-sell agreements, why risk insurance is the forgotten foundation of financial planning, and the impact of the Royal Commission on financial advice quality and accessibility in Australia.
He also talks about the truth about superannuation as a tax structure rather than an investment vehicle, the differences between financial advisors and consultants, and the innovative ways to maximise retirement benefits while potentially qualifying for pension cards.
If you want to understand how to properly structure your finances and create tax-efficient wealth strategies that work specifically for medical professionals, then make sure to listen to this episode!

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SHOW NOTES LINKS
https://ifdgroup.com.au/ 
https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi
Roger Wheelahan’s Links 

https://www.linkedin.com/in/roger-wheelahan-8ba53149/
https://smartstartfs.com.au/ 

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LISTEN TO THE PODCAST 
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 
 
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FIND US HERE
Website: https://ifdgroup.com.au/ 
Facebook Group: https://www.facebook.com/groups/investingfordoctors 
Facebook Page: https://www.facebook.com/investingfordoctors 

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TIME STAMPS
00:00 - INTRO
00:43 - Roger's Background
05:55 - The Royal Commission Being Like "The Wild West"
08:10 - The Catalyst For the Royal Commission
10:31 - The Transformation of the Financial Planning Industry
12:12 - "Principal Agency Dilemma"
22:09 - FINANCIAL ADVISOR vs FINANCIAL PLANNER
22:52 - AFSL (AUSTRALIAN FINANCIAL SERVICES LICENSE)
24:46 - Financial Advisor: Who Are They Really?
29:01 - Risk Insurance
34:15 - Retirement Planning
40:38 - "Poor Financial Advice Can Make a Huge Difference"
41:52 - Financial Advisor Costs
46:34 - Service Percentage Fee
48:31 - Conclusion

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DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.