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For nurses, midwives and nurse practitioners
Reviewed by Panbo Ye, CFP®, FCPA Last reviewed
We help nurses and midwives use salary packaging well, claim what they’re entitled to and plan for retirement.
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 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 |
Salary packaging
Your employer type decides your cap. We check you are using what you are entitled to.
| Public and not-for-profit hospitals | Generally up to a $17,000 grossed-up cap each FBT year (1 April to 31 March). |
|---|---|
| Charities and PBIs, including many not-for-profit aged care providers | Generally up to a $30,000 grossed-up cap each FBT year. |
| On top of the cap | A separate cap for meal entertainment and venue hire, plus options such as novated car leases. |
| Watch out for | Changing employers mid-year, a second job, and how packaged amounts affect the income tests for HELP repayments, family payments and some super concessions. |
Tax time
Working for yourself
Shifts paid to your ABN usually have no tax withheld and may not include super. Set aside tax each fortnight and check whether the agency should be paying your super.
Since November 2024, nurse practitioners and participating midwives no longer need a formal collaborative arrangement with a doctor to provide Medicare-rebated services. That opens new ways to practise, and new business decisions about billing, rooms and structure.
Medical services are generally GST-free, but cosmetic procedures that are not medically necessary are usually taxable. Clinics offering injectables need the GST and structure right from the start.
Your future
Part-time years, career breaks and caring roles often leave nurses, especially women, with less super than they’d planned. A few steps can help.
If your super balance is under $500,000, unused concessional cap amounts from up to five previous years can be used in a higher-income year.
A partner’s contribution to your super can attract a tax offset for them and build your balance.
Reducing hours, transition to retirement and when to stop work. Our in-house financial planners model the options with you. Retirement planning →
How it works
Book online
Choose a time that suits 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).