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Most advisers will tell you what a plan contains. Very few will show you one. Here's a complete, real-format example — built for a cardiologist, but familiar to every doctor, dentist and specialist in New Zealand.

A Health Professional's Guide to the 3-Fund Portfolio As a health professional, you make decisions using evidence, probabilities, and risk management. Investing deserves the same mindset, especially when your time is limited and your work is demanding. One approach I often consider for clients is the 3-fund portfolio : a simple, low-cost structure designed to capture broad market returns with minimal moving parts. It is not the only good option, and it is not a criticism of a

February 2026 | Luis Silva, Founder of MoneyPlan I'll be sponsoring the Taranaki Medical Foundation Golf Day , and I wanted to take a moment to explain why this matters to me, both professionally and personally. The Foundation does critical work supporting medical education and research in our region. As someone who's built a practice around serving health professionals exclusively, I've seen firsthand the dedication you bring to your work. Supporting the Foundation is a smal

When you're busy looking after others, it's easy to leave your own money in the "later" pile.   If you work in health, you already know what it feels like to be flat-out: long days, high responsibility, and a brain that's made a thousand decisions before lunch. So it's completely normal that your finances sit in the background, half-organised, "good enough," waiting for a calmer season that never really arrives.   And when you finally do look at money, the first thing you see

One of my favourite lines is: “High aspirations, moderate expectations, and low needs.” For health professionals, this matters even more. Your income can be an incredible tool—but only if it’s used to buy freedom , not just upgrade lifestyle. Most people say they want to be “rich”. In practice that often looks like: bigger house, nicer car, better holidays, more “proof” that the grind is worth it. But here’s the uncomfortable truth: a lot of “rich” is expensive theatre.The bi

When it comes to managing your money, having a solid financial plan is like having a trusted roadmap. It guides you through the twists and turns of life’s expenses, investments, and savings goals. I know it can feel overwhelming at first, but trust me, crafting a successful financial plan is within your reach. Let’s walk through it together, step by step, so you can gain clarity, confidence, and freedom with your finances. Why Financial Plan Success Matters You might wonder w

Managing your finances can sometimes feel like juggling too many balls at once. Bills, savings, investments, and daily expenses all demand your attention. But what if I told you there’s a way to make this juggling act a lot easier? That’s where online financial tools come in. These handy resources can help you organise, plan, and track your money with ease. Today, I want to share how you can streamline your finances using these tools, making your financial journey smoother a

I work with people who are excellent at what they do—health professionals, other professionals, and small business owners—who still feel financially exposed. Not because they’re bad with money. Because when your income depends on your capacity to perform, life and business risk are always sitting in the background . And most people don’t plan properly until something forces them to. A concept I keep coming back to is this: Prevention is the cure.  Your financial plan should n