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Specialist advice

Specialist advice

For medical professionals

Specialist advice for medical professionals

Specialised financial advice that protects and grows your wealth

As a doctor running a medical practice, you face unique challenges – long hours, intense yet rewarding work and the constant pressure to achieve entrepreneurial success. When you’re so busy, it’s easy to miss out on what’s really important in life – spending time with family and friends and enjoying the rewards of your hard work.

As specialist advisers to medical professionals, Perpetual understands these universal challenges doctors face. We also know that you have unique circumstances and dreams for yourself and your family.

We take the time to understand you and your goals. We will work with you to create a tailored financial strategy and portfolio of investments to help you achieve them. With the right plan in place to protect and grow the wealth of your family and practice, you’ll have more time to spend on what really matters to you.

Whether you’re setting up your practice, growing your practice or planning for business succession, our team also has the experience to guide through the business and investment decisions you will face along the way, so you stay organised and in control.

Perpetual has been a trusted financial adviser for doctors in private practice for decades. We think of client relationships as long-term partnerships, built on trust, with our advice both relevant and transparent. We also explain complex situations simply.

Get in touch with us today to create your blueprint for financial freedom and life-long security for your family.

Your journey

 

Our financial advisers - in their own words

"Doctors spend so many years training – that makes a financial plan right throughout their career even more important. At Perpetual and Priority Life, we follow doctors’ careers and provide the financial education and guidance they need – whether they’re training, getting into a program, starting a fellowship or even going into private practice. Every stage is a huge milestone and I love being a part of it." – Bradley Gecelter, Partner, Priority Life

"Over the last 30 years I have been privileged to work with hundreds of medical specialists, enabling me to build a thorough understanding of the unique challenges they face. Putting in place a tailored financial plan to achieve lifestyle and financial goals is just one way we help our clients - a really satisfying part of my role is helping doctors build the financial knowledge they need to have a true understanding of the investment, superannuation and insurance programs they have in place. It’s very rewarding to watch doctors who have the right planning and financial education achieve their goals, whilst at the same time doing what they do best – helping others!" – Phillip Hines, Partner, Perpetual Private

 

Meet the team

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Phillip Hines
Partner, Private Clients NSW
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Warren Skinner
Associate Partner, Private Clients NSW
CFP®
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Daniel Gallacher
Associate Partner
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James O'Keefe
Financial Adviser, NSW/ACT
DipFP, MAppFin
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Monique Doney
Senior Financial Adviser, QLD
BCom, DipFP, AdvDipFP, MFinPlan, CFP ®
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Reymon Makkar
Senior Financial Adviser, VIC/TAS
GradDipFP, MFinPlan, AFP ®
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Andrew Hiscock
Senior Financial Adviser, SA/TAS
GradDipFP, MFinPlan, AFP ®
Phillip Hines
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Phillip Hines

Partner, Private Clients NSW
Bio

Phill is the Partner of NSW’s Medical division.

He is responsible for the development, oversight and implementation of the national advice strategy and capability for medical specialists.  

Phill has specialised in providing financial advice to healthcare professionals since 1989, with the first 18 years of his career being in the UK, before emigrating to Australia with his family in 2008.

Prior to moving to Australia, Phill held senior management, strategy development and advisory positions, in two of the UK’s largest financial institutions, before setting up his own practice in 1999.

In 2003, he was a founding partner in one of the UK’s largest privately owned Independent Financial Advisory firms.

Phill’s expertise extends across a broad range of financial matters including superannuation (including SMSFs), investment strategies, personal and business risk management, as well as debt management. As a regular presenter at Business and Financial Lifestyle courses for Medical Specialists across the country, he takes his role as a financial mentor, coach and educator very seriously and his relationships with his clients are collaborative ones, characterised by the aim of helping his clients achieve their desired lifestyle.

Warren Skinner
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Warren Skinner

Associate Partner, Private Clients NSW CFP®
Bio

Warren works as a Specialist Medical Senior Adviser based at Perpetual’s Sydney office.

Warren has been providing financial advice to clients since 1990 and has been involved in the financial services industry since 1985. 

Prior to establishing his own practice in 1990, Warren worked for one of Australian's largest financial institutions, providing training services and technical assistance to many of Australia's pre-eminent financial advisers. Warren has also held senior product development positions within another of Australia's largest financial groups.

Today, as a specialist financial adviser exclusively to healthcare professionals, Warren works closely with clients to help them build and protect their wealth by designing and implementing strategies that dovetail with their personal and financial goals.  This often involves working hand in hand with a client’s tax accountant and estate planning lawyer to achieve end to end financial solutions.

Due to his extensive background and experience, he is regularly asked to advise both domestic and international banks, fund managers, and insurers on product development initiatives that aim to address the unique needs of healthcare professionals.

Warren holds the internationally recognised Certified Financial Planner ® or CFP ® qualification and has completed a Diploma of Financial Planning. Warren is active within a number of professional associations including the Financial Planning Association.

Daniel Gallacher
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Daniel Gallacher

Associate Partner
Bio

Daniel is an Associate Partner at Perpetual's Perth office and his role is to provide Financial Advice to clients and Manage the Perth Adviser team.

He started his career in financial services at Westpac Bank in 2008, within their business banking segment, before commencing as a Financial Adviser in 2010.

Daniel has now been with Perpetual for nearly a decade and provides Advice and guidance to high net worth clients and their families.

He provides tailored advice in investment management, retirement planning, superannuation, taxation, estate planning and strategic structures.

Daniel also has extensive and ongoing day to day experience providing investment advice and guidance to Not for Profit Organizations and First Nations Communities.
This involves understanding and tailoring portfolios and strategies so these organisations can best achieve their community missions.

Daniel holds a Graduate and Advanced Diploma of Financial planning and certificates in Self-Managed Super Funds, Margin Lending and Gearing and Certificate in Finance and Mortgage Broking.

Daniel is a proud Father of two children. He loves this role the most and he feels it helps him be the best Adviser he can be to his clients.

Perpetual’s board range of services and experts allow Daniel to provide comprehensive solutions to his clients and support the Perth team of Advisers.

James O'Keefe
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James O'Keefe

Financial Adviser, NSW/ACT DipFP, MAppFin
Bio

James is a Specialist Medical Financial Adviser, commencing his career in financial services in 2006. His experience is built on a strong foundation of preparing financial plans for medical practitioners.

This experience has enabled James to develop a deep appreciation of the various stages of a medical professional’s career lifecycle and the key challenges faced by this cohort.

This is evidenced in his exceptional knowledge of the superannuation and insurance landscape, often being called upon by his peers to provide technical assistance on complex cases and to facilitate training programs across the country. 

His passion in delivering exceptional outcomes is only eclipsed by his technical nous which his clients attest to being an important value add in their relationship.

James holds a Diploma in Financial Planning and a Masters of Applied Finance, Majoring in Wealth Management.

Monique Doney
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Monique Doney

Senior Financial Adviser, QLD BCom, DipFP, AdvDipFP, MFinPlan, CFP ®
Bio

Monique is a Specialist Medical Senior Adviser located in Perpetual’s Brisbane office.

Drawing on close to a decade of experience, Monique has built an extensive knowledge base and skill set across self-managed superannuation funds, retirement planning, insurance, investment, estate planning, and aged care advice. Her recent experience includes roles at AMP Financial planning and Avant Mutual’s Doctors Wealth Management division.

Monique’s core focus is developing long-term wealth creation and protection strategies that align with her clients long-term personal, financial and business goals. She understands that doctors lead busy lives and aims to make complex financial situations simple.

Monique has a Bachelor of Commerce (Finance), Bachelor of Economics (International Trade & Finance), Master of Financial Planning and is a CERTIFIED FINANCIAL PLANNER®.

Reymon Makkar
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Reymon Makkar

Senior Financial Adviser, VIC/TAS GradDipFP, MFinPlan, AFP ®
Bio

Rey is a Specialist Medical Senior Adviser responsible for delivering solutions to Perpetual Private’s medical clients in Victoria and Tasmania, based in Toorak and Melbourne CBD

Rey’s career in financial services commenced in 2008 and he has extensive experience providing advice to medical and high net worth clients across wealth creation and protection, asset structuring, investments and tax strategies.

Having held senior roles with two of Australia’s largest private banking advisory firms, with the specific responsibility of delivering insurance and investment solutions, Rey has an extensive background in managing the often complex needs of medical specialists.

Rey has a strong technical background and has presented product analysis and recommendations to board and executive levels and is passionate about the simplification of providing financial advice through the use of technology and forming long-lasting, trust based relationships with his clients. 

Rey holds a Graduate Diploma of Financial Planning, Masters Degree in Financial Planning and is a member of the Financial Planning Association. 

Andrew Hiscock
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Andrew Hiscock

Senior Financial Adviser, SA/TAS GradDipFP, MFinPlan, AFP ®
Bio

Andrew is a Specialist Medical Senior Adviser, commencing his financial services career in 2003. He is responsible for delivering solutions to Perpetual Private’s medical clients in South Australia and Tasmania.

Andrew specialises in providing advice to medical specialists, including superannuation strategies (including advice on defined benefit schemes), salary sacrifice, insurance and transition to retirement. He has a wealth of experience advising clients in the healthcare sector and understands the complex nature of the superannuation relationship between public and private practice, industry and government funds and the needs of his clients.

Andrew holds a Bachelor of Arts (Hons), a Graduate Diploma in Financial Planning and an Advanced Diploma of Financial Services (Financial Planning). Andrew is a Certified Financial Planner (CFP®) with the Financial Planning Association and is registered with the Tax Practitioners Board as a Tax (Financial) Adviser.

Why Perpetual

From what our clients tell us the only constant in the career of a medical professional is an unwavering dedication to patient care. Everything else is in a constant state of flux – learning to run a practice, earning higher incomes, acquiring bigger homes and debts, more responsibilities and complexity. That’s why your financial strategy needs to evolve with you.

We understand your life

Making considered decisions early can ensure your high income is optimised throughout your career. Many of our medical professional clients benefit from advice on tax-effective ways to convert their income into growing capital, how to protect their family and assets, getting their practice ready for sale and managing their super so they can carry their current lifestyle into retirement.

We understand the shifting challenges you face as a medical professional – whether you’re commencing your practice, at your career peak or preparing for life after work. A tailored financial strategy that builds and protects your wealth takes time and planning. But the benefits can be significant and life changing – and Perpetual would be happy to help you.

All the services you need for your practice
Do you need help with:

  • staff contracts?
  • legal support when taking on another partner?
  • billing?
  • managing and balancing accounts?

Through our education partners, we work closely with a variety of business experts who can help your practice run smoothly as it grows. 

Perpetual is an ASX-listed, diversified financial services company which has been serving Australians since 1886 when it was established as a trustee company by a group of businessmen including Sir Edmund Barton, later to be Australia’s first Prime Minister. That trustee heritage – and the culture it created around putting clients first – is what makes Perpetual unique.

We have been earning the trust of our clients for more than 130 years and pride ourselves on our long-standing client relationships – some of which span five generations.

Trust is earned, every day.

Our investment philosophy is to protect and grow your wealth by carefully selecting suitable investments that reflect the level of risk you're comfortable with, as well as your investments objectives. To achieve this, we diversify risk across asset classes, within asset classes, across countries and fund managers. We take a long-term approach to investing because we believe quality investments yield benefits in the long run. Our advisers and investment specialists have a high duty of care in developing portfolios and ensuring Perpetual’s stringent quality investment filters are met.

Visit the Investment Management page for more in-depth information and insights.

Take your first step - contact us on 1800 631 381

Or please submit the form below and a specialist adviser will contact you.

* Our accounting firm Fordham, specialising in work with business owners and managers, achieved an exceptional NPS score of 75 in 2020.

 

Perpetual Private advice and services are provided by Perpetual Trustee Company Limited (PTCo) ABN 42 000 001 007, AFSL 236643. This webpage contains general information only and is not intended to provide you with financial advice or take into account your objectives, financial situation or needs. You should consider, with a financial or other adviser, who can provide you with the relevant Financial Services Guide, whether the information is suitable for your circumstances. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information. Perpetual Private advice and services are provided by Perpetual Trustee Company Limited (PTCo) ABN 42 000 001 007, AFSL 236643. This information was prepared by PTCo. The information is believed to be accurate at the time of compilation and is provided in good faith. This information, including any assumptions and conclusions is not intended to be a comprehensive statement of relevant practice or law that is often complex and can change. This article may contain information contributed by third parties. PTCo do not warrant the accuracy or completeness of any information contributed by a third party. Any views expressed in this article are opinions of the author at the time of writing and do not constitute a recommendation to act. No company in the Perpetual Group (Perpetual Limited ABN 86 000 431 827 and its subsidiaries) guarantees the performance of any fund or the return of an investor’s capital. Past performance is not indicative of future performance.