The Money Doctors

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. 

See omnystudio.com/listener for privacy information.

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. 

See omnystudio.com/listener for privacy information.

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. 

See omnystudio.com/listener for privacy information.

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.

See omnystudio.com/listener for privacy information.

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. 

See omnystudio.com/listener for privacy information.

Higher uncertainty and greater volatility may define the current investment market, but this environment also presents meaningful opportunities for informed investors. Beatrice Yeo, Investment Strategist for the Multi-Asset Solutions Business at BlackRock, explains why long-term structural “megaforces” such as artificial intelligence, geopolitical fragmentation and demographic divergence provide a clearer guide than short-term headlines. 

Beatrice outlines to Vanessa Smith, Director at the Bongiorno Group, how BlackRock is positioning across regions and asset classes – dialling exposures to the US, favouring emerging markets, maintaining gold as a strategic hedge and incorporating inflation-linked bonds for protection. 

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. 

See omnystudio.com/listener for privacy information.

Blended families are increasingly common in Australia, but they can make estate planning complex. Without a clear will or structure in place, questions of inheritance can quickly lead to conflict. Family lawyer Vic Rajah discusses with the Bongiorno Group’s Chantelle Turner how blended families can plan effectively using wills, testamentary trusts, and neutral executors. He explains the importance of updating documents, securing insurance, and protecting loved ones — ensuring that when life changes, your legacy and family harmony remain secure. 

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. 

See omnystudio.com/listener for privacy information.

Strong leadership in medicine requires both clinical insight and a passion for advocacy — and Simon Judkins brings both to his new role as President of AMA Victoria. 

In this episode, the Bongiorno Group’s Executive Consultant Trevor Baxter speaks with Dr Simon Judkins, Director of Emergency Medicine at Echuca Regional Health and a respected voice in healthcare reform. With a career spanning frontline emergency care, leadership at Austin Health, and presidency of the Australasian College for Emergency Medicine, Simon shares what motivated him to lead AMA Victoria. 

He discusses the pressing issues facing Victorian doctors today — from workforce burnout to fractured hospital systems — and outlines AMA Victoria’s priorities, including advocacy, member engagement, and driving systemic improvements across regional and metropolitan healthcare services. 

AMA Victoria:
https://amavic.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. 

See omnystudio.com/listener for privacy information.

Serving on a board offers medical professionals a unique way to extend their expertise beyond clinical practice, contribute to the community, and broaden their leadership skills. But with the opportunity comes responsibility. Directors are entrusted with governance, strategy, and risk oversight, often in complex and sensitive environments. 

Lawyer and experienced board chair Vic Rajah explains to the Bongiorno’s Group’s Chantelle Turner what’s really involved in board service, from the time commitment to the legal obligations and potential liabilities. Drawing on his roles with Best Chance, a large not-for-profit supporting children and families, and other community organisations, Vic outlines the rewards, risks, and considerations for doctors seeking to take on this vital role.

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 Orthoapedic 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. 

See omnystudio.com/listener for privacy information.

Having an up-to-date will is essential – but understanding whether to include a testamentary trust can be just as important. These trusts can offer asset protection, oversight for vulnerable beneficiaries, and potential tax benefits, but they also bring complexity and ongoing costs that may not suit every family. 

To unpack this further, Ricky Caldow, Director at the Bongiorno Group, speaks with Jackson Barrett of Barrett & Co Legal. They also discuss the risks of dying without a will: loss of control, costly disputes, and outcomes very different from what you intended. 

Barrett + Co Legal 

https://barrettcolegal.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. 

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. 

See omnystudio.com/listener for privacy information.