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For interns, residents, registrars and hospital specialists
Reviewed by Panbo Ye, CFP®, FCPA Last reviewed
We help interns, residents and registrars get salary packaging, deductions, super and insurance set up properly from the start.
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 with a working paper reviewed by a senior tax manager, a salary packaging check, 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 |
What hospital doctors often miss
Public and not-for-profit hospital staff can generally package up to a $17,000 grossed-up cap each FBT year, plus a separate cap for meal entertainment and venue hire. Many doctors leave part of it unused, or lose track when they rotate between health districts.
Rotations, secondments and casual shifts often mean several payslips in one year. Claiming the tax-free threshold with more than one employer is a common cause of a tax bill at the end of the year.
AHPRA registration, college fees, exam and course costs connected to your current role, indemnity insurance, conferences and professional equipment can generally be claimed when the records are right.
Home-to-work travel is generally private. Travel between workplaces, or to an alternate site during a shift, can be deductible with a logbook or diary.
Locum income usually has no tax withheld. Setting aside tax, and knowing whether super is payable on the engagement, avoids an unpleasant surprise.
Compulsory HELP repayments rise with income. We plan around them, along with saving for a first home and managing cash flow on a training salary.
| Stage | What matters most | How we help |
|---|---|---|
| Intern and resident | Salary packaging, first tax returns, cash flow | A simple deduction checklist and a packaging review each year |
| Registrar | Exam costs, locum work, rising income, family | Tax planning, locum setup, super and insurance while premiums are lower |
| New fellow | Private rooms, VMO contracts, structure | Contract review, ABN and GST setup, a plan for the move into private practice |
| Established specialist | Investment, Division 293, asset protection | Coordinated tax, investment and estate planning with your lawyer |
Protecting your future
Your future earnings are your biggest asset. Cover that fits how doctors are paid, and an occupation definition that suits your specialty. Income protection for doctors →
Check your fund, fees and insurance inside super. Small decisions early make a large difference over a 40-year career.
Before you sign rooms or a service agreement, read our guide. Contracts and structures →
How it works
Book online
Choose a time that works around your roster. 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).