Strategic advice is advice that synthesises a whole range of factors – your personal and family situation, current circumstances, your goals and attitudes to things like risk, spending and investment ethics. By working through all these issues with you, your Sovereign advisor can help you create a real financial plan – a roadmap that ensures every financial decision you make moves you closer to your goals. No more missed opportunities, no more regrettable last-minute decisions. A strategic approach to financial freedom and creating a wealthier, happier you.

As a doctor you know only too well that accidents happen. We can‘t protect you from these, but as part of our ‘protect and grow’ strategy we can help protect your income and lifestyle should something go wrong.

Our insurance strategies encompass life insurance, total and permanent disability, trauma insurance and income protection. Just as importantly, we tailor those insurances to be tax-effective, to work effectively together, to integrate with your investment and superannuation strategies. We’ll also make sure the insurance you need to protect your practice is not overlooked.

For doctors, managing debt starts early. There are student loans to repay as soon as you transition from training to your first job – and then there’s the mortgage, potential property investments and school fees in the mix. Whether you’re starting out, expanding or buying new equipment, debt will also play an important part in growing your practice. But what is the best way to manage your debt?

At Sovereign, we’re always careful to build debt management into your financial plan. We can also help you find the right loan, consolidate and refinance high-cost debt, and structure repayments in a way that lets you grow your practice without sacrificing the lifestyle you’ve earned.

An investment property (or properties) can make up a large part of your portfolio and carry a similarly large burden when it comes to maintenance, accounting and tax management. Across everything from purchase, rental, management and sales our property experts can help you maximise the return and tax benefits of property investing whilst relieving you of a significant compliance and management workload.

We’ll also help you with tax-effective strategies that can enable you to own more properties sooner.