Finding a financial advisor for physiotherapists in Melbourne who understands your profession makes all the difference. Most physios face fluctuating income between contract work and clinic revenue, tax structures that don’t suit healthcare professionals, and confusion about the proper business setup.
Without tailored advice, you pay more tax than necessary and miss opportunities to build wealth efficiently.
We’ve spent over 25 years helping health professionals across Melbourne navigate these exact challenges. Our team knows how physiotherapists earn, how clinics operate, and what financial strategies actually work for your practice.
Why Physiotherapists Need Tailored Financial Advice
Challenges Specific to the Physiotherapy Profession
Physiotherapy income rarely follows a standard employee pattern. Clinic owners rely on patient flow, seasonal demand, and a mix of funding sources. Contract physiotherapists manage irregular payments, multiple income streams, and fewer benefits.
NDIS and Medicare funding affect timing, cash flow, and reporting. This makes financial planning harder. Tax liability shifts each year, and poor cash flow management creates stress during slower months.
Physiotherapists must also meet GST, BAS, PAYG, and superannuation obligations throughout the year. These demands require clear systems and ongoing financial oversight.
Common Financial Mistakes Physios Make
- Choosing the wrong business structure early: Sole trader setups increase personal risk and limit tax planning options.
- Restructuring too late: Changing structures later can trigger capital gains tax events that reduce wealth.
- Delaying retirement planning: Many physiotherapists reinvest only in the practice and neglect long-term wealth.
- Missing SMSF opportunities: Self-managed superannuation funds can support retirement when structured correctly.
- Inadequate insurance cover: Illness or injury can stop income if proper risk management is not in place.
- Weak asset protection: Malpractice risk can expose personal assets if structures are not correctly set up.
Benefits of Working with a Specialist Advisor
Advisors who understand healthcare professionals provide more straightforward, safer advice that accounts for cash flow patterns, tax rules, and funding structures unique to physiotherapy.
Specialist advice covers service trust arrangements, super planning, and efficient income setup. The result is better control over risk, tax, and long-term financial goals.
Our Financial Services for Physiotherapists
Personal Wealth Planning
We help you build wealth beyond your practice with clear financial goals, steady cash flow management, and long-term planning tailored to how physiotherapists earn, accounting for variable income, mixed funding, and changing tax liability.
We also plan for property, education, and investments outside your clinic to support your financial future.
Tax Minimisation Strategies
We structure income tax effectively, including super contributions and business setup.
Early planning helps avoid costly capital gains tax, aiming to reduce taxes and improve long-term outcomes.
Business Advisory for Physio Clinic Owners
Superannuation and Retirement Planning
Super can support wealth while you work. We help you choose the right fund and contributions, including concessional and non-concessional. We also assess if a self-managed super fund suits you.
Retirement planning provides a clear, fact-based view of when to slow down.
Investment Strategy Development
Investment strategies should align with your timeline and risk tolerance. We review your full financial position before providing advice. That includes business assets, property, and super. The aim is balance, not unnecessary risk.
Risk Management and Insurance Advice
If injury or illness stops work, income risk rises quickly. Insurance is vital for financial stability.
We review income protection, life, trauma, and disability cover, ensuring levels match your financial exposure. Asset protection is also crucial for healthcare providers to separate personal wealth from malpractice risks.
Who We Help
Solo Physiotherapists
Solo practitioners need straightforward, flexible financial systems. We help set up the right business structure and manage tax efficiently. Our advice covers deductions, super contributions, retirement planning, and cashflow management for seasonal and variable income.
We also assist with Medicare and private health fund payments to ensure steady finances and fewer surprises.
Clinic Owners and Multi-Practitioner Practices
Clinic owners face higher financial and legal risks. We advise on growth while protecting assets, helping choose between company, trust, or service trust structures based on tax and flexibility.
We also support payroll, superannuation, business valuation, and succession planning, ensuring decisions are guided by clear financial data.
Contract or Locum Physiotherapists
Contract physiotherapists often juggle multiple income streams. We help set up systems to track income and manage cash flow. Our tax planning ensures timely payment of GST, PAYG, and superannuation obligations.
We also support smooth transitions into clinic ownership with the right financial structure.
Why Choose Us as Your Financial Advisor
Local Melbourne Expertise
We have worked with Melbourne clients for over 25 years. Our advice reflects local market conditions and healthcare sector realities.
We understand how Melbourne-based practices operate. That insight supports better financial planning and decision-making.
Self-Licensed and Independent
We are a self-licensed financial advice practice. This means we are not tied to banks or product providers. Independence supports impartial advice. Recommendations are based on your needs, not commissions.
Decades of Experience
We have advised healthcare professionals through changing economic cycles. That experience brings perspective and practical judgment. Long-term exposure to risk, growth, and downturns shapes better advice. Clients benefit from lessons learned over time.
Personalised Advice and Ongoing Guidance
We take time to understand your financial goals and concerns. Advice is tailored to your career stage and financial position. You receive clear guidance, not generic plans. The aim is a long-term partnership built on trust.
Specialists in Health Professionals
We focus on physiotherapists and other healthcare professionals. That includes understanding income patterns and practice structures. We account for the impact of NDIS and Medicare funding. Advice also considers student debt, insurance needs, and risk management.
Transparent Fees
Start Your Journey to Financial Clarity
Working with a financial advisor for physiotherapists in Melbourne gives you clearer direction. The right advice helps protect income, manage taxes, and plan for the future.
Book a free strategy session with our team today. Start building a stronger financial position with advice that fits your practice and goals.