MoneyPlan
- INDEPENDENT FINANCIAL PLANNING - NEW ZEALAND
You've mastered saving lives.
Let's master your finances.
Most health professionals earn well. Few have a plan that reflects it.
A written financial strategy, built for the income complexity, time pressure, and career stages unique to NZ doctors, dentists, and health professionals. Fee-only. No commissions. Zero conflicts of interest.
✓ Virtual or in-person across New Zealand
- THE REALITY FOR MOST HEALTH PROFESSIONALS
Does any of this sound familiar?
You've spent years becoming exceptional at what you do. But nobody ever taught you how to handle the financial complexity that comes with a health career.
That's not a personal failing. It's a structural gap and it's exactly why MoneyPlan exists.
You earn well, but wonder where it all goes. Your income puts you in the top bracket, yet your savings don't reflect your salary, and you're not sure why.
You suspect you're paying too much tax. Between salary, locum income, and practice distributions, your tax structure feels like a black box nobody's properly explained.
Buying or owning a practice is financially overwhelming. The numbers are big, the decisions are permanent, and you're not sure you're looking at the right ones.
Retirement feels abstract but expensive. You know you should have a plan, but between work and family there's never a good time to figure it out.
Student debt is a weight you're carrying alone. You're making progress, but you don't know if your repayment strategy is optimal.
You've spoken to an adviser before and felt like they were selling you something. You left with a product, not a plan. You want real advice, not a commission in disguise.
This is what MoneyPlan is built to solve. Not with generic tips, with a written financial strategy designed around your specific career stage, income structure, and goals.
Trusted by doctors, dentists and health professionals across New Zealand
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.
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 spent years working in and alongside the health sector, watching talented, hardworking professionals struggle with the same financial problems, year after year, because nobody was giving them advice built for their reality.
So I built MoneyPlan on three principles most advisers won't commit to: fee-only independence, a written plan for every client, and deep understanding of how health professionals earn, spend, and grow wealth differently from everyone else.
- WHY WORK WITH ME?
I reached Financial Independence before 50.
I lived this path
Not in theory. Not from a textbook. From the same decisions I now help my clients make.
Luis Silva
FOUNDER · LICENSED FINANCIAL ADVISER · FSP1009370
48
Financial Independence, Retire Early, achieved before founding MoneyPlan. I didn't just study the path my clients want to walk. I walked it. That's not something any competitor can say, and it changes everything about how I advise.
I understand the Health Sector inside out
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
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
Preparing for retirement without losing sight of today’s needs
- HOW IT WORKS?
Four deliberate steps, no generic templates, no vague recommendations. At each stage you know exactly what's happening, what it costs, and what you'll have at the end.
FIRST CHAT
LET'S BEGIN
OUTLINE YOUR PLAN
WALK TOGETHER
A free, no-obligation 30-minute session to understand your situation and see if we're the right fit. No preparation needed on your side.
When you're ready, you subscribe. Clear scope, transparent fees, complete clarity — before any commitment is made.
Three focused sessions to build your written financial plan — tailored to your income, career stage, family, goals, and risk tolerance.
Monthly check-ins to track progress and adjust for life changes — ensuring your plan stays aligned with where you're going.
You leave with at least one concrete financial insight — regardless of next steps.
You know exactly what you're getting and what it costs before signing anything.
A complete written strategy. Not a brochure — a working document you can act on.
Your plan evolves with your career. Never a document that goes stale.
From uncertainty to clarity.
The FLOW process.
Purpose-built tools,
from day one.
Your plan isn't a PDF that sits in an email. From the moment we start, you have access to real-time tools that make your financial strategy visible, trackable, and alive.
Secure Client Portal
Access your full financial plan, track progress against goals, store documents, and manage your journey — on any device, any time.
Long term Scenario Planning
Simulate multiple financial futures. See how decisions today — debt repayment, investment timing, practice purchase — affect your freedom in 10 and 20 years.
Budget & Cashflow clarity
Know exactly where every dollar is coming from and going — so your money moves toward your goals with intention, not by accident.
If you're interested in exploring whether specialised financial planning might benefit your situation, I'm offering complimentary 30-minute discovery sessions to health professionals.
What to Expect from a Discovery Session
Duration
30 minutes, virtual or in-person at your convenience. No preparation required on your part.
Purpose
Understand your current situation, discuss your goals, and determine if specialised financial planning would be beneficial.
Deliverable
You'll receive a high-level assessment of your financial position and at least one actionable insight, regardless of whether we work together.
No Obligation
This is an exploratory conversation, not a sales meeting. You'll have complete clarity on costs and scope before any commitment.
Prefer to reach out directly?
