Financial advice for doctors and health professionals in New Zealand
A demanding career leaves little time to manage money well. MoneyPlan builds you an independent plan around your real income and time, with no products to sell.
Request a free discovery sessionWhere health professionals usually need help
The jump in income
Training ends, income rises fast, and spending rises with it. A plan made at this point decides whether the extra income builds freedom or just a bigger lifestyle.
Variable and private income
Locum work, private lists and bonuses make cash flow uneven. A simple automated system smooths it out so saving happens without monthly decisions.
Protecting your income
Your ability to work is your biggest asset. Cover should match what your family depends on, not what a policy pays an adviser.
Buying into a practice
One of the largest financial decisions you will make. Understand what the numbers support before the deal moves faster than you can.
Starting late
Long training often means starting to invest later. A clear plan shows what it takes to catch up and when work can become optional.
No time to manage it
The problem is rarely knowledge. It is bandwidth. Your plan and every agreed action live in your private MoneyPlan Hub.
Book a free discovery session Buying a medical practice See fees
Articles for health professionals
- When Should a Health Professional Start Working With a Financial Adviser?Most people wait until things feel settled before getting financial advice, but the earlier years are usually where a plan compounds the most.
- What Does a Financial Plan for a Health Professional Actually Look Like?A walk through the real sections of a financial plan, using a clearly hypothetical example, so you know what you're actually paying for.
- Insurance for Doctors and Health Professionals in NZ: What You Actually Need and What You Don'tA general guide to the categories of personal insurance worth assessing, and why that assessment should happen before any policy is chosen.
- Financial Diagnostic for Health ProfessionalsFor people in demanding, high-responsibility careers, the problem with money usually isn't a lack of knowledge, it's a lack of bandwidth.
- The Best That Money Can Buy Is Freedom: Rich vs Free for Health ProfessionalsRich and free are not the same thing, and building genuine freedom takes a different set of decisions than building the appearance of wealth.
- You Earn Well. So Why Does It Feel Like It's Never Quite Enough?As income rises, the definition of enough tends to quietly rise with it, and the fix is naming a number in writing before your lifestyle does it for you.
Common questions
When should a doctor or health professional get financial advice?
Earlier than most do. The years when income rises sharply, such as the end of training, a move into private work or a practice buy-in, are where decisions compound most. Waiting until things feel settled usually means locking in habits and products chosen in a hurry.
What does a financial plan for a health professional cover?
Cash flow around variable or private income, student loan strategy, KiwiSaver and investments, insurance needs such as income protection, practice purchase or ownership, and a timeline toward financial independence or retirement. It is written down in a Statement of Advice with the reasons for each recommendation.
Do you sell insurance to doctors?
No. MoneyPlan assesses what cover you actually need without any commission. You then apply directly with the insurer, or through a licensed broker partner if your situation is complex, such as health history or business cover.
Can you help with buying into a medical practice?
Yes. MoneyPlan helps you understand what the numbers support and how ownership fits your plan, working alongside your lawyer and accountant rather than in place of them.
Busy career? Get a plan that runs without you.
Start with a free, no-obligation 30-minute discovery session.
Request a free discovery session