Setting the Boundaries: Understanding Your Capacity for Risk

When markets turn, the investors who fare best are not always the boldest. They are often the ones whose portfolios were built around a clear understanding of how much loss they could genuinely afford. That understanding, known as risk capacity, helps shape sound investment decisions.  The Bongior…

Still No Offer: An Update on Vic Doctors’ Wage Negotiations

Pay disputes rarely stall before the first offer, yet that is the situation facing doctors in Victoria's public hospitals. Despite months of bargaining and escalating industrial action, the State Government has still not tabled a wage offer.  John Ryan, Senior Workplace Relations Adviser with AMA …

Auctions, Reserves and the New Rules of Buying Property in Victoria

Off-market deals now account for up to half of all property sales in Melbourne's most sought-after suburbs, and the way auctions are run is about to change dramatically. Harrison Kelly, Director at HMK Buyer's Advocate, joins the Bongiorno Group’s Matt Homewood and Jack Will to break down the curre…

The Financial Complexities of Aged Care: A Specialist's View

A mistake families make with aged care planning is waiting until a parent is already in permanent care to seek advice — by then, the decisions can be nearly impossible to walk back.  That's according to Shaun Ganguly of Aged Care Financial Planning, who explains the three pillars his team handles …

Medico-Legal Work: Opportunities for Today's Doctors

Medico-legal work is no longer just for doctors nearing retirement. Today, it's becoming a flexible, rewarding career path for specialists at every stage of their profession. Justin Bradley, CEO of Melbourne-based Atlas Medicorp, explains to Nick Fennessy, Director at the Bongiorno Group, why deman…

Disability Insurance: Getting It Right Before You Need It

Total and Permanent Disability (TPD) insurance provides a safety net for medical professionals facing serious injury or illness — but navigating a claim isn't always straightforward. In this episode, Matt Andrews discusses the current TPD claims landscape, key trends insurers are seeing, and what c…

How a Surgeon Shaped Her Career, Family and Financial Future

Success in medicine is rarely linear. It is shaped by timing, trade-offs and the support systems around you. Bongiorno Group Director Nick Fennessy speaks with orthopaedic surgeon, Dr Tharsa Thillainadesan, about building her career while raising a young family. She reflects on the role of mentors,…

How to Structure Your Investments PART 2: Individual vs Trust Ownership

In part two of this series on investment structures, the Bongiorno Group’s Ricky Caldow and Mitch McKeown examine company structures and superannuation.  Companies can provide asset protection and tax deferral opportunities, while also outlining the limitations, including the absence of capital ga…

How to Structure Your Investments PART 1: Individual vs Trust Ownership

The structure used to hold an investment can have a significant long-term impact on tax, flexibility, asset protection and wealth creation outcomes. Two people can invest in exactly the same asset and achieve very different financial results simply because of how those investments were structured f…

What Doctors Can and Can’t Claim at Tax Time

Tax time is just around the corner – and so it’s worth understanding ahead of time what you can legitimately claim. And, no, it’s not about maximising deductions at all costs. It’s about being able to clearly justify every expense and ensuring it directly relates to earning your income.  The Bongi…