You look after patients. I'll look after your tax.
Registrars, specialists, GPs and locums. Claim what you're entitled to, plan for the years your income jumps, and stay clear of the "doctor structures" the ATO keeps an eye on.
Wherever you are in your career
Interns and registrars
Registration, indemnity, college fees, exams and conferences, claimed correctly. Salary packaging that actually adds up.
Locums and contractors
Your ABN, the personal services income rules, PAYG instalments, and paying your own super now no employer does it.
Specialists and high earners
Division 293 tax on super, investment property, family trusts and planning for the years your income peaks.
Practice owners
Service entities set up properly, state payroll tax on payments to contractor doctors, and practice accounts.
Where doctors most often get caught
Doctors are among the highest-paid people in Australia, which is why the ATO looks closely at medical returns.
- Splitting locum income through a company or trust. Most doctors' fees are personal services income, which usually has to be taxed in your own name.
- The first-year contractor tax bill. Moving off a salary means no tax withheld. Your first return and PAYG instalments can arrive together.
- Missing Division 293. Once income plus super contributions passes $250,000, an extra 15% tax applies to contributions. It's worth planning for.
- Car and travel claims without records. Travel between hospitals can be claimable; home to work usually isn't. A logbook makes the difference.
How I help
Tax returns and planning
- Personal returns with every medical deduction checked
- A personal services income review if you're on an ABN
- A planning meeting before 30 June every year
Structure and wealth
- Family trust and company returns, distribution planning
- Division 293 and super contribution planning
- Investment property and the July 2027 CGT changes
Free: the doctor deductions checklist
What doctors can and can't claim, from registration and indemnity to conferences and car use. One page, plain English.
Common questions
Can I put my locum income through a company or trust?
Usually not to lower your tax. Income earned mainly from your own skills is personal services income, and unless you pass specific tests it's taxed as yours wherever it's paid. A structure can still make sense for a genuine practice business or for investments.
I'm moving from a hospital job to private work. What changes?
You'll need an ABN, no tax will be withheld from your pay, and you'll pay your own super and PAYG instalments. Setting money aside from the first month avoids a large bill at tax time.
What is Division 293 tax?
An extra 15% tax on concessional super contributions when your income plus those contributions is over $250,000. Many specialists pay it without realising, and it can be planned for.
Do you only work with doctors?
No. I also work with dentists, allied health professionals, property investors, families with trusts and new businesses.
Book a free 15-minute call
Early morning and evening times available around your rosters.