The Physician’s Portfolio

Affluens360
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The Physician's Portfolio is where Australia's top-earning medical professionals come to think clearly about wealth. Hosted by Felix Taing alongside the expert team at Affluens360, each episode delivers integrated, high-level strategy across investing, tax, property, and lending — built for doctors who want their money working as hard as they do. The information shared on this podcast is general in nature and does not constitute personal financial, tax, legal, or investment advice. It has not been prepared with your individual objectives, financial situation, or needs in mind. Before acting on anything you hear, we recommend seeking advice from a qualified professional who can assess your specific circumstances. Affluens360 Wealth Management Pty Ltd is an authorised representative of Advisory Circle Pty Ltd (AFSL No. 513052). For more information, visit affluens360.com.au.

Episodes

  1. 1d ago

    Mid Career Doctors: Wealth Structures That Hold

    The self managed super fund borrowing rules changed on 10 August 2026, and for established consultants building an asset base, that's only half the story. Felix Taing and Abraham Aguilan work through what mid career actually demands: the entity structures that protect what you've built, the income protection fine print that quietly excludes your specialty, and the property play that turns one title into two. Wealth management for doctors who are earning well and assuming that's enough. The question they close on is the one worth sitting with. Key Takeaways: Effective asset protection strategies are paramount for mid-career professionals, emphasising the need for comprehensive insurance coverage. A proactive approach to managing superannuation contributions, especially in light of regulatory changes affecting residential borrowing within self-managed super funds, can make a significant difference. Diversifying assets through strategic property investments requires a thoughtful consideration of current market regulations and personal financial goals. Building and maintaining a lucrative practice involves assessing readiness to bring in partners and associates to ensure continuity and growth. As medical professionals approach peak earning stages, the focus shifts to sustaining income through passive revenue channels and strategic business expansions. Notable Quotes: "At this stage of your career, you've actually got a bit more to play with and can be more creative with your investments." - Felix Taing "Having the right structures is critical, setting the foundational work in terms of tax and asset protection." - Abe Aguilan "It's about manufacturing wealth with what you already have." - Felix Taing "If I'm at my peak earning years, can I take a step back and just let my business generate income?" - Abe Aguilan "We should never look at a property asset in isolation; it's always viewed more holistically." - Felix Taing

  2. Aug 26

    Doctor Home Loans: No LMI. Your $20k Headstart

    Most doctors get their first surplus in their early thirties and spend it on a holiday or a car. Felix Taing and Abraham Aguilan make the case for treating it as deposit capital instead, starting with the lending advantage almost no other profession holds: LMI waived by most major lenders at up to 95% LVR, worth ten to twenty thousand dollars on day one. They cover what to buy, where, and in whose name. Then the question that reorders everything. Are you building an asset, or chasing a deduction?   Key Takeaways: Medical professionals can benefit from waived Lenders Mortgage Insurance (LMI), saving them significant sums on property investments. Early-career doctors should focus on investment properties over personal residence to avoid overcapitalizing and ensure better growth. As one's career progresses, utilizing strategic asset structuring can optimize tax benefits and boost financial growth. Diversification of investments, including real estate and superannuation, is crucial in a long-term financial plan for medical professionals. Each financial decision should be tailored according to individual circumstances, avoiding a one-size-fits-all approach. Notable Quotes: "Doctors can get LMI waived by most major lenders… sometimes even up to 95%. No LMI, and I think that's maybe one of, if not the biggest lever that a medical professional has up their sleeve." – Abe Aguilan "Are we buying assets to grow wealth, or are we trying to get a tax deduction?" – Felix Taing "In my view, there's no better time to buy than today." – B "We're very in tune with, hey, we want to build assets through property, tax is a consequence of actually investing in property." – Felix Taing "Every individual's different… there's a diversity of the world that we live in… your team of advisers around you should understand that." – Felix Taing

  3. Aug 12

    Your Accountant Looks Back. Your Adviser Looks Forward.

    Earning well is one thing. Keeping what you earn is another. Felix Taing and Abraham Aguilan explore why most medical professionals have their finances spread across specialists who never speak to each other, and what changes when they finally share a room. They trace the gap from first principles through real cases, including a radiologist earning $700,000 who could not get a home loan, and land on a clear prescription: who you need on your advisory team, and when you need them, from second year registrar to established specialist. Key Takeaways: Having both an accountant and a financial planner collaborate can bridge the gap between past financial management and future wealth planning. The synergy between different financial advisors can optimize investment strategies, tax minimization, and wealth protection. Specific case studies illustrate the importance of specialized advice in effectively managing large income streams and navigating complex tax structures. Education bonds can serve as a tax-efficient investment for long-term education funding, minimizing the impact of future educational expenses on one's financial portfolio. For medical professionals, building a robust support team akin to a medical practice setup can ensure their personal financial goals are systematically addressed and achieved. Notable Quotes: "An accountant is there to help you minimize tax—they're looking in the past. Whereas an advisor is very forward-looking." - Abraham Aguilan "The financial professionals who build real long-term wealth are not the ones with the best individual advisors but those whose advisors work together." - Felix Taing "An education bond allows you to invest money and potentially pay zero capital gains tax after 10 years—a powerful investment tool." - Abraham Aguilan "Your life doesn't revolve around just tax returns or super funds; it needs a holistic approach." - Abraham Aguilan "The client must always be at the center, with advisors aligning goals towards their prospects." - Felix Taing Resources: Affluens Wealth Advisory Services: https://affluens360.com.au/

  4. Jul 29

    SMSF Borrowing Ban: A Doctor's Next Move

    From 10 August 2026, self managed super funds can no longer borrow to buy residential property. For medical professionals with an SMSF, or weighing one up, that raises a sharper question: why run one at all. Felix Taing and senior financial planner Aaron Phuong walk through what still works, from commercial property and becoming your own landlord to unlisted investments and the tax edge super holds over your own name. This Wealth Management episode reframes a rule change as a prompt. The door has narrowed. The opportunity has not. Here is where doctors go next.   Key Takeaways: Changes in SMSF regulations now prohibit borrowing for residential properties, effective from August 10, 2023. Commercial property remains unaffected by these changes, presenting a strategic alternative for SMSF investors. Diversification in SMSFs can include investments in unlisted companies and investment trusts, offering broader control and unique opportunities. The tax advantages of SMSFs, such as a maximum tax rate of 15% and 10% on long-term capital gains, are compelling compared to traditional property investments. Professional advice is vital for setting up an SMSF, ensuring compliance and maximising financial potential through strategic planning. Notable Quotes: "You become your own landlord in the business, even though the business itself doesn't own the property." - Aaron Phuong "You can actually use your super to buy that commercial premises." - Aaron Phuong "A lot of people do rule out the potential to step in a self-managed fund because their balances may not be quite there." - Felix Taing "You need the right advice behind you so that you're stuck with a quality asset when you do transition." - Felix Taing "The superannuation legislation that governs how an SMSF, what they need to do to remain compliant, that has to be strictly followed." - Aaron Phuong Resources: Affluens Wealth Advisory Services: https://affluens360.com.au/

  5. Jul 15

    Wealth Traps Every Doctor Falls Into Without Knowing

    Half a million dollars a year sounds like financial freedom. For most Australian doctors, it isn't. Lifestyle creep, a misunderstood tax bracket, and advisers who aren't in the same room quietly erode what should be serious wealth. Felix Taing and Abraham Aguilan break down the traps keeping high income medical professionals earning hard and building little: the real cost of $500K after tax and mortgage, why most wealth structures are set up in the wrong order, and three things you can do today to start pulling ahead. Key Takeaways: Lifestyle Creep Danger: Even high-income earners can struggle financially due to lifestyle inflation, emphasizing the need for early and disciplined financial planning. Good vs. Bad Debt: Understanding the characteristics of debt can help medical professionals leverage it to their advantage for investments and tax deductions. Tax Planning: Awareness and management of tax obligations are crucial to avoid unexpected debts and to maintain financial stability. Building a Professional Financial Team: Like a surgical team, having accountants, financial advisors, and mortgage brokers on the same page is essential for targeted and effective wealth management. Education and Investment Strategies: Utilizing instruments like education bonds and understanding the importance of the liquidity and timeline of investments can significantly impact financial outcomes. Notable Quotes: "Lifestyle creep is where your income might increase, but expenses just catch up every year." – Abraham Aguilan "A doctor earning 500,000, but spending 450k, is worse off than someone earning 150,000, spending 100k." – Abraham Aguilan "Pay yourself in assets first. Buy an asset that produces income, then use what's left for your lifestyle." – Abraham Aguilan "The reality today is that even with half a million dollars, it's not easy to live the lifestyle you want." – Abraham Aguilan "Having a team of accountants, brokers, advisors, and buyer's agents ensures that your goal is their objective." – Abraham Aguilan Resources: Affluens Wealth Advisory Services: https://affluens360.com.au/

  6. Jul 1

    July Is the New December - FY Reset for Doctors

    July is the financial year reset most doctors miss entirely. Wealth adviser Abraham Aguilan and buyer's agent Felix Taing break down what the first 90 days really demands: reviewing income structures, super contribution strategies including a $100,000 catch up opportunity most practice owners never knew existed, insurance cover checks, and why your accountant and mortgage broker need to be in the same room before you chase the year's big acquisition. The question they leave you with will change how you think about every July that follows. Key Takeaways: Align Finances with Fiscal Year: July marks an optimal time to set financial goals, enabling a proactive approach throughout the year. Understand Different Income Structures: Medical professionals often have complex income structures that need tailored tax strategies. Strategic Super Contributions: Taking advantage of concessional and catch-up contributions can significantly affect tax and retirement savings. Insurance Reviews are Vital: Regular reviews of income protection insurance ensure coverage aligns with income levels and professional risk. Team Alignment is Key: Having a robust financial team aligned on goals makes a tangible difference in achieving financial objectives. Notable Quotes: "Why not have a revelation in July, rather than a resolution, to plan your finances well for success?" - Felix Taing "The first 90 days in the start of the financial year is the most critical time to be planning." - Abraham Aguilan "Review your income at the start, sitting with your accountant, your advisor, and your lender to make sure that we're all aligned on what those plans are." - Abraham Aguilan "It's about every adviser having their own agenda and aligning those with your goals." - Abraham Aguilan Resources: Affluens360: Explore more about financial planning and wealth management services. The information shared on this podcast is general in nature and does not constitute personal financial, tax, legal, or investment advice. It has not been prepared with your individual objectives, financial situation, or needs in mind. Before acting on anything you hear, we recommend seeking advice from a qualified professional who can assess your specific circumstances. Affluens360 Wealth Management Pty Ltd is an authorised representative of Advisory Circle Pty Ltd (AFSL No. 513052). For more information, visit affluens360.com.au.

  7. Jun 16

    TRAILER - The Physician's Portfolio

    You've spent years becoming exceptional at what you do. But when did you last sit down and ask: is my money working as hard as you are? The Physician's Portfolio is the podcast built for Australian medical professionals who are done leaving wealth on the table. Each episode brings together financial planners, tax accountants, mortgage brokers, and buyers' agents — one integrated conversation that most high-income earners never actually get. Built for doctors who are: Earning above the top income bracket but not yet in control of where it goes Time-poor, finance-aware, and ready for strategy that keeps up with them Asking the questions a single adviser in a single discipline can't fully answer What we cover: Wealth management. Tax and business strategy. Lending. Property. No surface-level tips. No single-discipline thinking. Just the kind of integrated advice that treats your financial life as one interconnected system — because it is. Hosted by Abraham Aguilan, Wealth Adviser and Managing Director, and Felix Taing, Property Adviser and Buyers' Agent. Available from 2nd July on all podcast platforms   The information shared on this podcast is general in nature and does not constitute personal financial, tax, legal, or investment advice. It has not been prepared with your individual objectives, financial situation, or needs in mind. Before acting on anything you hear, we recommend seeking advice from a qualified professional who can assess your specific circumstances. Affluens360 Wealth Management Pty Ltd is an authorised representative of Advisory Circle Pty Ltd (AFSL No. 513052). For more information, visit affluens360.com.au.

  • 7 Episodes

About

The Physician's Portfolio is where Australia's top-earning medical professionals come to think clearly about wealth. Hosted by Felix Taing alongside the expert team at Affluens360, each episode delivers integrated, high-level strategy across investing, tax, property, and lending — built for doctors who want their money working as hard as they do. The information shared on this podcast is general in nature and does not constitute personal financial, tax, legal, or investment advice. It has not been prepared with your individual objectives, financial situation, or needs in mind. Before acting on anything you hear, we recommend seeking advice from a qualified professional who can assess your specific circumstances. Affluens360 Wealth Management Pty Ltd is an authorised representative of Advisory Circle Pty Ltd (AFSL No. 513052). For more information, visit affluens360.com.au.

Information

  • Creator
    Affluens360
  • Years Active
    2026
  • Episodes
    7
  • Rating
    Clean
  • Copyright
    © Copyright 2026 All rights reserved.
  • Show Website
    The Physician’s Portfolio