Doctors spend the best years of their lives working for the ATO paying tax and the bank paying interest — without realising whom they're really working for. MNM Group helps doctors change this ratio. So earnings turn into financial freedom — not just dead numbers on a tax return.
No obligation. Endorsed by medical practitioners nationally.
Marginal rate, top bracket plus Medicare
Interest on home and practice debt
Without coordinated planning
Indicative example only. Individual outcomes depend on personal circumstances, income, debt, and current tax law.
We don't promise tax tricks. We work toward a strategy where Plan, Build, and Protect operate together — so the number you keep stops being whatever's left over.
These aren't isolated errors. They're structural mistakes most generalist advisers leave in place — and they compound for the entire length of a medical career.
Most doctors operate under a structure they set up early — or inherited from a generalist accountant. As practice income grows past $250,000, that structure starts costing $20,000–$40,000 a year in unnecessary tax. Worse, it can leave family assets exposed if anything goes wrong. The structure decision compounds for decades.
We model four structures — sole trader, company, service trust, hybrid — against your specific facts and projected income. The right structure for today and for the next ten years, not whichever one a generalist picked.
Most advisers optimise one at the expense of the other. Aggressive tax minimisation can quietly kill wealth creation — no rental property, no growth assets, no leverage. Pure wealth focus ignores legitimate tax strategies and leaves $20–30k a year on the table. Both approaches under-deliver.
We coordinate both. Every tax strategy gets evaluated for its effect on wealth building. Every wealth strategy gets structured for tax efficiency. They aren't opposites — they're partners when built together. One adviser holding both halves.
Most doctors don't have a plan that simultaneously addresses lifestyle goals, wealth building, and asset protection. They have three separate decisions made by three separate professionals — an accountant who doesn't talk to the broker who doesn't talk to the financial planner. Nothing is coordinated, so nothing compounds.
Plan, Build, Protect. One framework, one strategy, one accountable adviser. Your lifestyle goals drive the plan. Wealth building executes against it. Asset protection shields what you've built. All three forced together — not made separately by people who don't speak.
Lifestyle first. Some doctors want passive income. Others want a bigger home, more time with family, or simply to stop trading hours for dollars. Your goals shape every strategy — not a generic wealth template.
Pay off your home loan faster — and make the interest tax-deductible. Minimise tax. Maximise super. Turn cash flow into investments that build passive income. 95% LVR with no LMI · 100% for junior doctors (subject to lender criteria and credit assessment).
Doctors face medico-legal exposure most professionals never see. Defend your family's income, your assets, and the wealth you've built — from creditors, claims, and the unexpected.
For the last 17 years, Miraj and MNM have been in charge of my financial planning and management — investments, super, personal insurance. As a senior surgical consultant and time-poor, his help has been greatly valued. I am in a much better financial position because of his advice.
Dr Ramin Samali · Urologist · SydneyI have been with Miraj and the team at MNM for almost ten years. As a long-term client I have benefited greatly from his sound advice and proactive strategies regarding investment and tax planning. He never fails to impress me with his dedication.
Julie P. · Anatomical PathologistAs a specialist in a busy practice and a parent to two young kids, managing my finances was the last thing on my mind. Thanks to the dedicated team at MNM Group, the rigmarole of tax saving and creating wealth is no longer daunting.
Dr Sanila George · RadiologistMy big draw to the company was a recommendation from a friend, the fact that they only work with doctors, and their track record of excellent service to thousands of doctors over ten-plus years. Finance is not my comfort area — Miraj keeps me well informed and reassured.
Dr Vishal Kohli · General PractitionerWe were hesitant at first — both of us coming out of divorces and starting over again in a new country. We had a lot of ground to make up quickly. Miraj asked us where we wanted to be one year from now, three years, five years on. It made us think about our future in a way we hadn't explored before.Dr Joseph Chiha Cardiologist · Sydney
From intern years to senior consultant, the financial plan has to evolve. We advise across every stage — public hospital trainees right through to specialist private practice.
"Miraj has looked after all aspects of my financial well-being — investments, superannuation and personal insurance. He has been with me through thick and thin."
Dr Ramin Samali · Urologist · 17-year clientMost accounting firms file what you bring them. We design the structure before a single invoice goes out — so the right entity earns each dollar in the first place.
Most major lenders treat medical professionals differently — but only if you know which lender, with which paperwork, at which stage of training. We do.
Two decades of execution experience working exclusively for medical professionals. We work directly with builders to negotiate layout, finishes, and design features that drive long-term capital growth — the details 99% of investors miss. We hold our own corporate real estate licence so we can act for our doctor clients, not the developer.
National coverage with physical presence. Meet your adviser in person, in the CBD, in any of four capital cities.
Head Office
Built around the rules that apply to medical professionals — the medico LMI waiver, PSI, Division 293, and the FY2025–26 brackets. Results are emailed to you. No spam.
Sole trader, company, service trust, hybrid — modelled with FY2025–26 rates and Division 293 awareness.
Open calculator → 02 · Borrowing capacityUp to 95% LVR no LMI, factored in. Junior doctors up to 100% (subject to lender criteria).
Open calculator → 03 · Insurance NeedsThe four covers a doctor must hold — and the gap from default super.
Open → 04 · Super StrategyProject to age 65 under three contribution scenarios.
Open → 05 · Property Cash FlowWeekly after-tax position. Depreciation included.
Open →Published examples of how Plan, Build, and Protect come together for our clients.
A coordinated case showing how a single integrated team replaced four disconnected professionals — and what changed in year one.
Read the case →How the right structure and timing of practice income transformed an experienced surgeon's after-tax position.
Read the case →Securing a first home for a newly qualified surgeon using lender concessions other professionals can't access.
Read the case →Articles, guides, calculators, and free PDFs covering tax, lending, structure, property, super, and protection — written for Australian medical professionals.
Twelve questions a tax return implicitly answers — and how to use July–September as the highest-leverage strategic window of the year. Free EOFY Diagnostic PDF available.
Read article →Stage-by-stage guidance from registrar to senior specialist. Four structures compared on $450k illustrative specialist income.
Read article →Who qualifies, what 100% LVR is worth, how the LMI waiver works, and the five mistakes most junior doctors make on their first home.
Read article →
Principal Financial Advisor · 20+ years
Founder and principal adviser of MNM Group. Twenty years specialising in the financial lives of Australian doctors — from interns and registrars taking their first locum, to senior consultants running multi-site practices.
The qualifications span financial planning, accounting, mortgage broking, SMSF, and property advocacy. The breadth is the point: most advisers know one of these well; very few know all of them, and almost none specialise exclusively in medical professionals.
A focused first call. We look at where you sit on the Plan-Build-Protect arc and identify the one or two things actually worth changing first.
A written plan covering Tax, Finance, Investment, Property and Super — scoped to your situation, your career stage, and your timeline.
We do the work — restructure, refinance, insurance applications, SMSF, ATO lodgments. One project manager coordinates every adviser, so nothing falls through the gaps.
No obligation. Pick your city, or use the form below — and we'll arrange a session with Miraj or another senior adviser.