Uncertainty in interest rates is not just a market issue, it is a personal financial decision point for every borrower. With inflation still above target and global pressures influencing the outlook, the path forward for interest rates remains unclear. 

Jack Will, Finance Manager at The Bongiorno Group, is joined by Senior Finance Consultant Mark Bremner and Director Nick Fennessy to unpack the latest shifts shaping lending decisions. They explore why forecasts have changed, what rising rates mean for borrowers, and how global and local factors are interacting. 

They focus on practical decision-making, including the pros and constraints of fixed and variable loans, the role of hybrid strategies, and why personal circumstances should ultimately guide the right approach. 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/ 

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. 

Uncertainty in interest rates is not just a market issue, it is a personal financial decision point for every borrower. With inflation still above target and global pressures influencing the outlook, the path forward for interest rates remains unclear.&nbsp;
Jack Will, Finance Manager at The Bongiorno Group, is joined by Senior Finance Consultant Mark Bremner and Director Nick Fennessy to unpack the latest shifts shaping lending decisions. They explore why forecasts have changed, what rising rates mean for borrowers, and how global and local factors are interacting.&nbsp;
They focus on practical decision-making, including the pros and constraints of fixed and variable loans, the role of hybrid strategies, and why personal circumstances should ultimately guide the right approach.&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. &nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;
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.&nbsp;

Interest Rates Are Rising – What You Need to Think About

Market sentiment does not always reflect underlying opportunity. While many Victorian investors are looking interstate, selected Melbourne and regional pockets are showing renewed growth, particularly in affordable, infrastructure-backed corridors. 

Property advisor Julian Muldoon of 1Group joins the Bongiorno Group’s Ricky Caldow to unpack current trends, including yield versus capital growth, outer-suburb momentum, infrastructure impact and tax considerations. They explore why strategy, fundamentals and personal objectives should drive investment decisions. 

1Group 
https://www.1group.com.au/ 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/   

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. 

Market sentiment does not always reflect underlying opportunity. While many Victorian investors are looking interstate, selected Melbourne and regional pockets are showing renewed growth, particularly in affordable, infrastructure-backed corridors.&nbsp;
Property advisor Julian Muldoon of 1Group joins the Bongiorno Group&rsquo;s Ricky Caldow to unpack current trends, including yield versus capital growth, outer-suburb momentum, infrastructure impact and tax considerations. They explore why strategy, fundamentals and personal objectives should drive investment decisions.&nbsp;
1Group <a href="https://www.1group.com.au/">https://www.1group.com.au/</a>&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;&nbsp;&nbsp;
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.&nbsp;

Property Update Part 1: The Victorian residential market

Efforts to prevent, treat and ultimately cure cancer rely not only on clinical excellence, but also on sustained investment in research. Tour de Cure, an Australian charity dedicated to funding cancer research, prevention and support programs, has raised more than $150 million and helped deliver hundreds of research breakthroughs across the country. 

Sports broadcaster and former Sunrise team member Mark Beretta reflects on his long association with the charity and the impact it has had on patients, families and researchers. A board member for more than a decade, Beretta shares the story behind Tour de Cure’s growth from a small cycling initiative into one of Australia’s most significant contributors to cancer research funding. 

Paul Fox, Director of the Bongiorno Group, joins Mark as they explore the human, financial and societal impact of cancer, the importance of prevention and research, and how individuals and organisations can contribute to the mission. 

To participate or learn more about Tour de Force: https://tourdecure.com.au 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

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. 

Efforts to prevent, treat and ultimately cure cancer rely not only on clinical excellence, but also on sustained investment in research. Tour de Cure, an Australian charity dedicated to funding cancer research, prevention and support programs, has raised more than $150 million and helped deliver hundreds of research breakthroughs across the country.&nbsp;
Sports broadcaster and former Sunrise team member Mark Beretta reflects on his long association with the charity and the impact it has had on patients, families and researchers. A board member for more than a decade, Beretta shares the story behind Tour de Cure&rsquo;s growth from a small cycling initiative into one of Australia&rsquo;s most significant contributors to cancer research funding.&nbsp;
Paul Fox, Director of the Bongiorno Group, joins Mark as they explore the human, financial and societal impact of cancer, the importance of prevention and research, and how individuals and organisations can contribute to the mission.&nbsp;
To participate or learn more about Tour de Force: <a href="https://tourdecure.com.au">https://tourdecure.com.au</a>&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a> &nbsp;
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.&nbsp;

Riding for a Cure: Mark Beretta on Tour de Cure’s Cancer Mission

Strong rental demand and infrastructure investment are reshaping Australia’s property landscape beyond Victoria, but elevated prices and rising optimism warrant caution. Property strategist Julian Muldoon of 1Group and the Bongiorno Group’s Ricky Caldow examine the momentum across Queensland, Sydney’s western corridor, Adelaide and key regional centres. They explore the sustainability of recent growth, the role of major projects such as the Western Sydney Aerotropolis, and where investors may still find balanced opportunities between yield, value and long-term fundamentals. 

1Group 
https://www.1group.com.au/ 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/   

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.  

Strong rental demand and infrastructure investment are reshaping Australia&rsquo;s property landscape beyond Victoria, but elevated prices and rising optimism warrant caution. Property strategist Julian Muldoon of 1Group and the Bongiorno Group&rsquo;s Ricky Caldow examine the momentum across Queensland, Sydney&rsquo;s western corridor, Adelaide and key regional centres. They explore the sustainability of recent growth, the role of major projects such as the Western Sydney Aerotropolis, and where investors may still find balanced opportunities between yield, value and long-term fundamentals.&nbsp;
1Group <a href="https://www.1group.com.au/">https://www.1group.com.au/</a>&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. &nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;&nbsp;&nbsp;
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. &nbsp;

Property Update Part 3: The national market 

An unwelcome surprise can arrive at tax time, particularly for doctors whose income has increased during the year. The Medicare Levy Surcharge can catch trainees and junior doctors by surprise when they exceed the threshold through overtime and penalty rates. 

The Bongiorno Group’s Nicolas Pereira and Chantelle Turner clarify when the surcharge applies, how it is calculated, and the role of appropriate hospital cover, providing practical guidance for doctors at every stage of their career. 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

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. 

An unwelcome surprise can arrive at tax time, particularly for doctors whose income has increased during the year. The Medicare Levy Surcharge can catch trainees and junior doctors by surprise when they exceed the threshold through overtime and penalty rates.&nbsp;
The Bongiorno Group&rsquo;s Nicolas Pereira and Chantelle Turner clarify when the surcharge applies, how it is calculated, and the role of appropriate hospital cover, providing practical guidance for doctors at every stage of their career.&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;&nbsp;
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.&nbsp;

Medicare Levy Surcharge: The Sting in Your Tax Return

Soon, employers will be expected to pay superannuation to their employees at the same time as wages. This change, known as Payday Super, becomes mandatory from 1 July 2026 and represents a once-in-a-generation reform to the superannuation system. The reform has major implications for practice owners and employers, particularly those running weekly or fortnightly payrolls, as late payments attract SG charges, interest, and loss of tax deductibility. The Bongiorno Group’s Ricky Caldow and Chantelle Turner discuss the changes and what you should be aware of between now at July. 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

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. 

Soon, employers will be expected to pay superannuation to their employees at the same time as wages. This change, known as Payday Super, becomes mandatory from 1 July 2026 and represents a once-in-a-generation reform to the superannuation system. The reform has major implications for practice owners and employers, particularly those running weekly or fortnightly payrolls, as late payments attract SG charges, interest, and loss of tax deductibility. The Bongiorno Group&rsquo;s Ricky Caldow and Chantelle Turner discuss the changes and what you should be aware of between now at July.&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. &nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a> &nbsp;
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.&nbsp;

Payday Super Is Coming: What Every Employer Needs to Know

Retirement is one of the most significant transitions in a professional career, yet it is often delayed or under-planned. The Bongiorno Groups Jim Tsirtsakis and Trevor Baxter explore what retirement truly means — beyond simply stepping away from work. They discuss the importance of defining purpose and lifestyle goals, aligning business exit strategies with personal objectives, and ensuring financial independence is sustainable over the long term. 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

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. 

Retirement is one of the most significant transitions in a professional career, yet it is often delayed or under-planned. The Bongiorno Groups Jim Tsirtsakis and Trevor Baxter explore what retirement truly means &mdash; beyond simply stepping away from work. They discuss the importance of defining purpose and lifestyle goals, aligning business exit strategies with personal objectives, and ensuring financial independence is sustainable over the long term.&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;&nbsp;
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.&nbsp;

Retirement starts long before you stop working

A clear investment plan begins long before any money enters the market. New investors who define their goals, diversify effectively and stay disciplined through market shifts give themselves the strongest foundation for long-term success. Beatrice Yeo, Investment Strategist for the Multi-Asset Solutions Business at BlackRock, outlines the essential principles every first-time investor should understand. 

She explains why goal-setting matters, how diversification has evolved in today’s market environment and why managing costs and maintaining discipline are critical. Beatrice also discusses the role of multi-asset portfolios, the growing influence of technology and AI in portfolio construction and some of the common mistakes to avoid when beginning an investment journey. 

BlackRock 
https://www.blackrock.com/au 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/  

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. 

A clear investment plan begins long before any money enters the market. New investors who define their goals, diversify effectively and stay disciplined through market shifts give themselves the strongest foundation for long-term success. Beatrice Yeo, Investment Strategist for the Multi-Asset Solutions Business at BlackRock, outlines the essential principles every first-time investor should understand.&nbsp;
She explains why goal-setting matters, how diversification has evolved in today&rsquo;s market environment and why managing costs and maintaining discipline are critical. Beatrice also discusses the role of multi-asset portfolios, the growing influence of technology and AI in portfolio construction and some of the common mistakes to avoid when beginning an investment journey.&nbsp;
BlackRock <a href="https://www.blackrock.com/au">https://www.blackrock.com/au</a>&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. &nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;&nbsp;
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.&nbsp;

Smart investing starts with clear goals

Everyone at the Bongiorno Group would like to wish you a joyful Christmas and a successful start to 2026. As the festive and summer period rolls around, The Money Doctors will be taking a brief seasonal pause — but we won’t be away for long.

We return on January 13 with our first episode of 2026. Until then, enjoy the break, stay safe, and from all of us at the Bongiorno Group — Merry Christmas and a very happy New Year. 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/

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.

Everyone at the Bongiorno Group would like to wish you a joyful Christmas and a successful start to 2026. As the festive and summer period rolls around, The Money Doctors will be taking a brief seasonal pause &mdash; but we won&rsquo;t be away for long.
We return on January 13 with our first episode of 2026. Until then, enjoy the break, stay safe, and from all of us at the Bongiorno Group &mdash; Merry Christmas and a very happy New Year.&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a> 
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.

Merry Xmas - The Money Doctors returns 13 January

Social media has become one of the most effective ways for medical professionals to build trust, visibility and genuine connection – when it’s used with intention and care. Family lawyer Vic Rajah shares how the landscape has shifted from traditional media to digital platforms, and why clinicians should view themselves as a brand. 

Vic explains how different demographics use Facebook, Instagram, TikTok and LinkedIn, and why authenticity matters more than polished perfection. He also outlines the legal and ethical guardrails, while highlighting how thoughtful content can humanise a practice and support patient confidence. 

Vic Rajah Family Lawyers 
https://www.vicrajah.com.au/ 

The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association. 

For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/ 

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. 

Social media has become one of the most effective ways for medical professionals to build trust, visibility and genuine connection &ndash; when it&rsquo;s used with intention and care. Family lawyer Vic Rajah shares how the landscape has shifted from traditional media to digital platforms, and why clinicians should view themselves as a brand.&nbsp;
Vic explains how different demographics use Facebook, Instagram, TikTok and LinkedIn, and why authenticity matters more than polished perfection. He also outlines the legal and ethical guardrails, while highlighting how thoughtful content can humanise a practice and support patient confidence.&nbsp;
Vic Rajah Family Lawyers <a href="https://www.vicrajah.com.au/">https://www.vicrajah.com.au/</a>&nbsp;
The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian &amp; Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.&nbsp;
For more information, please call 03 9863 3111 or visit <a href="https://bongiorno.com.au/">https://bongiorno.com.au/</a>&nbsp;
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.&nbsp;

Social media tips for today’s medical professionals

The Money Doctors is a fortnightly podcast series offering conversations on financial wealth and money matters for Australian medical and dental professionals.

This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group.

The general advice in this series 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.

The Money Doctors is a fortnightly podcast series offering conversations on financial wealth and money matters for Australian medical and dental professionals.
This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group.
The general advice in this series 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.

The Money Doctors

The Money Doctors offers conversations on financial wealth and money matters for Australian medical and dental professionals. 

This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group. 

The general advice in this series 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.

The Money Doctors offers conversations on financial wealth and money matters for Australian medical and dental professionals. 
This podcast is proudly brought to you by leading financial services organisation the Bongiorno Group. 
The general advice in this series 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.

The Money Doctors

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