MoneyPlan
Trusted by doctors, dentists and health professionals across New Zealand​
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Clarity
Cutting through the complexity of multiple income sources and tax structures
Protection
Making sure your hard-earned income is safeguarded from risks
Growth
Smart investing that matches your goals and time constraints
Balance
Ensuring you can enjoy life now while still building long-term security
I specialise in financial planning for health professionals - new graduates, experienced specialists and practice owners. I've helped them create financial plans that work for their busy, unpredictable lifestyles.
Why work with me?
I understand the Health Sector inside out
You’ve dedicated your career to caring for others — whether it’s in a clinic, a hospital, or your own practice. But behind the scenes, I know the financial challenges you face can be just as intense as the work you do.
I’ve been there.
I’ve worked in the health sector for many years, side-by-side with doctors, dentists, nurses, and practice owners. I’ve seen first-hand the unique pressures of:​​
Long and unpredictable hours
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The financial risks and rewards of owning or buying a practice
Complex income structures
​(public/private practice, locums, partnerships)
Balancing family life with demanding careers
High student debt and ongoing professional training costs
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Preparing for retirement without losing sight of today’s needs
How I think
Luis Silva
FOUNDER OF MONEYPLAN AND YOUR PERSONAL FINANCIAL ADVISER.
MoneyPlan is built on a simple idea: good financial outcomes come from good decisions — and good decisions come from clear thinking, clean incentives, and a plan you can actually follow.
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I provide independent, fee-only financial advice. No commissions. No product sales. No hidden agendas. My role is to help you make better decisions across your full financial life — cashflow, tax, investments, property, risk, retirement, and lifestyle — as one connected system.
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I start by understanding your context: what matters to you, what you’re optimising for, and what constraints you’re working with (time, risk, family, career, business). From there, we build a written strategy with clear priorities, assumptions, and next steps — not generic tips.
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I use scenario planning, not prediction. Markets, rates, and life change. The goal is a plan that stays robust under uncertainty and evolves as your situation evolves.
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You stay in control. I bring structure, accountability, and a calm, evidence-based approach so your money decisions feel deliberate — not reactive.
How does it work?
FLOW is my 4-step process that helps you move from uncertainty to clarity with a plan that fits your life.
FIRST CHAT
LET'S BEGIN
OUTLINE YOUR PLAN
WALK TOGETHER
Book a free session to see if we’re the right fit.
When you're ready to move forward, you’ll subscribe.
We’ll design a custom plan Delivered in three strategic sessions.
Through monthly check-ins, We’ll help you stay on track.
What clients say
Real feedback from professionals, families, and business owners I’ve had the privilege to work with.
Very kind, dedicated, professional, and reassuring. Great advice, especially for financial novices
Nadav
Health Professional
Luis is knowledgeable and helpful, showing ways and tools to improve both business and personal finances.
Chris
Small Business Owner
Trustworthy, empathetic, approachable, and reassuring. We appreciate seeing all the possibilities within our budget.
Marcela & Oscar
Young Professionals
I feel that Luis always has my best interest in mind and tailors advice to my circumstances.
Laura
Health Professional
Clear explanations that made complex concepts simple, and gave us the confidence to invest on our own.
Sharon
Health Professional
The best digital tools to empower you on your financial journey.
From day one, we will be using tools designed to support the process and visualise your plan.
Personalised portal
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A secure online space where you can access your financial plan, track progress, and manage your journey with ease.
Long term planning simulations
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Simulate your financial future and chart a course toward your best life
Budget and cashflow
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Designed to give you control and clarity over where
your money is coming from and where it is going