Financial Clarity for LifeFinancial Clarity for Life

Good Debt (HDL) vs. Bad Debt (LDL)

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Not all debt is bad. In fact, a typical investment journey for a medical professional begins with the purchasing of property, which involves substantial debt. Often it leads to transitioning to an investment property later in their career.

Bartons’ Director Adam McCann and Senior Manager Matt Baczyk underscore the importance of structuring debt correctly, including utilising offset accounts, to maximize tax benefits and financial flexibility. Getting the structure right from the outset is crucial – and that means obtaining the right advice from your accountant.


Financial Clarity for Life is proudly brought to you by Bartons, Chartered Accountants and Wealth Advisors.

Bartons is offering you the opportunity for a 5-minute financial clarity call. Please visit

This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.

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Financial Clarity for Life

Financial Clarity for Life is a podcast series for Australian medical and dental professionals on fi 
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