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For physiotherapists, psychologists, OTs, speech pathologists and other allied health professionals
Reviewed by Panbo Ye, CFP®, FCPA Last reviewed
We help physios, psychologists, OTs, speech pathologists and other allied health practitioners understand their split, manage tax and invest with purpose.
Your first meeting is at no cost, with no obligation · English or Mandarin
At a glance
| Your first meeting | Free, no obligation. Bring a recent payslip, agreement or report and your last return. We confirm scope and fees in writing before any work starts. |
|---|---|
| What’s included | Tax returns and tax planning, a review of your split or contract, GST and funding-stream advice, and super and insurance advice from our financial planners. |
| Who you’ll work with | A client manager as your single contact, a senior tax manager reviewing your work, and me, Panbo Ye (CFP®, FCPA), leading advice. |
| Fees | Personal tax return with a financial wellbeing check $330; sole-trader schedule from $550; tax planning from $1,500 (+GST). See all fees |
Where your income comes from
| Stream | What to know | What we watch |
|---|---|---|
| Private and health fund | Patients claim rebates on the spot through HICAPS or Tyro Health | Merchant fees, gap pricing and reconciliation to your bank |
| Medicare (chronic conditions) | A GP chronic condition management plan allows up to five rebated sessions a year; referrals generally last 18 months, and you report back to the GP in writing | Referral validity, session counts and rejected claims |
| Better Access (mental health) | Psychologists and eligible practitioners provide rebated sessions under a mental health treatment plan | Session limits, gap fees and bulk billing choices |
| NDIS | Supports can be GST-free when the NDIS conditions are met; payment timing depends on how the plan is managed | Debtors, price-guide changes and GST coding |
| Insurer work | Workers compensation, CTP and DVA have approved fee schedules and reporting requirements | Slow payers and unbilled reports |
Speech pathology is part of allied health, but its rules and funding mix are its own. Many practices, especially in paediatrics, rely heavily on the NDIS. These are the points we look at with speech pathologists.
Cliniko, Nookal, Splose, Coreplus, Zanda (Power Diary), Halaxy, Jane, HICAPS, Tyro Health, PRODA / NDIS portal.
Contractor or employee
Many clinics pay allied health practitioners a percentage of the fees they generate. That can be fair, but the details decide what you actually take home and who carries the tax risk.
Fees billed or money received? Before or after merchant fees, cancellations and no-shows? Is GST inside or on top?
If a contract is mainly for your labour, the super guarantee can apply even though you hold an ABN. Under Payday Super, from 1 July 2026, mistakes surface faster.
State payroll tax relief schemes were built around bulk-billed GP work and largely do not cover allied health. Clinics may build that risk into the split they offer you.
Check how far and how long a restraint reaches, and whether it covers clients you brought with you.
Services from recognised professionals are generally GST-free when generally accepted as necessary. Products you sell, such as braces, supplements or equipment, and some wellness services can be taxable.
Home visits, travel between clinics, equipment, registration and CPD. A logbook for your car often pays for itself.
How it works
Book online
Bring your agreement and a recent clinic report, and I’ll tell you plainly what we see. In English or Mandarin, in Chatswood or online. Prefer to talk first? Call 1300 913 929 or 0405 913 913.
Calendar not showing? Open the booking calendar in a new tab → or call 1300 913 929.
Reviewed for accuracy
Panbo Ye, CFP®, FCPA, SMSF Specialist Adviser™ and registered tax agent; founder of Everglow.
Last reviewed:
Rules, rates and thresholds change. Check the source, or talk to us, before acting. This page is general information, not personal advice.
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General information only. This page is general in nature and does not take into account your objectives, financial situation or needs. Rules, rates and Medicare items change; figures are current at the date of publication and should be checked against the ATO, Services Australia, MBS Online and your state revenue office before you act. Everglow is not a law firm: we review the financial, tax and commercial side of agreements and work alongside your lawyer for legal advice. Clinical and coding decisions always remain with the treating practitioner. Tax services are provided by Everglow Accounting Pty Ltd and Kam & Beadman Pty Ltd (liability limited by a scheme approved under Professional Standards Legislation). Financial advice is provided by Everglow Wealth Pty Ltd, Corporate Authorised Representative No. 1254987 of PGW Financial Services Pty Ltd (AFSL 384713).