Financial Advisor for Doctors & Medical Professionals

Grow your Wealth.
Enjoy your life.
Make work optional.

You've invested years building your medical career. Track Wealth helps doctors and specialists across Brisbane and Queensland build the wealth to match it with strategies that account for the complexity of your income, your practice, and your tax position.
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What Sets Us Apart
  • 10+ Years advising
  • 5.0 / 5.0 Google rating
  • CPA Certified Practising Accountant
Our Services

Expert Advice Built for Medical Professionals

We understand how doctors earn, how they're taxed, and what it takes to build serious wealth on a high income with a late start.

Wealth & Retirement Planning

  • Build a strategy
  • Model your timeline
  • Make work optional
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Investment Advice

  • Make your money work harder
  • Build wealth beyond your super
  • Structures suited to your income level
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Wealth Protection & Insurance

  • Protect your income
  • Reduce your premiums
  • Cover what matters
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Self Managed Super Fund

  • Take control now
  • Invest beyond super
  • Expert setup & strategy
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Your Time Is Valuable.
We Make Every Dollar Count.

Real Client Result
$2.4M
Combined super achieved in 4 years from $1.2M through a coordinated retirement and investment strategy.
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Meet Track Wealth

Driving Results Through Strategy.

Track Wealth was built for one type of client: the high-income professional who has worked hard to get where they are and wants to make sure their money is working just as hard. For doctors and specialists, that means advice that understands the long training period, the late super start, the complexity of practice income, and the significant tax exposure that comes with a medical career at full pace.
Meet Leigh Smith
  • Director, Track Wealth
  • CPA & SMSF accredited
  • 10+ years specialist advice
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Proactive Advice

We don’t wait for you to come to us. We monitor legislation changes, investment performance and your personal circumstances so your strategy stays ahead, not behind.

  • Identify opportunities before you ask
  • Stay ahead of tax and legislative changes
  • Coordinate with your accountant, practice manager and other advisers

No two medical professionals have the same financial position. Whether you’re a salaried registrar, a visiting medical officer, or a specialist running your own practice, we build strategies around how you actually earn — not a template applied to everyone.

  • Super and investment strategy built around your income structure
  • Tax planning tailored to locum, contractor or practice income
  • Retirement modelling based on your actual lifestyle and timeline

Your finances don’t exist in silos. We coordinate across your super, investments, tax, insurance and estate plan — and work directly alongside your accountant, solicitor and practice manager so nothing falls through the cracks.

  • One strategy that covers every area of your finances
  • Direct communication with your existing advisers
  • Nothing missed at the intersection of tax and financial planning

We know you’re time-poor. Our clients have direct access to Leigh throughout the year by phone, email or meeting whenever something comes up that needs a conversation. You don’t wait for an annual review to get an answer.

  • No waiting for a scheduled review to get an answer
  • Direct access to your adviser, not a call centre
  • Proactive contact from us when things change

Find the Right Solution for Your Situation

Medical training is long. By the time most doctors are earning a full specialist income, their peers in other industries have had a decade of super contributions and compound growth ahead of them. The good news is that a high income, used correctly, can close that gap but only with the right strategy in place.

Catch-Up Contribution Strategy
We maximise concessional and non-concessional contributions to accelerate your super balance, using carry-forward provisions where available to make the most of years where income is highest.
SMSF Assessment
For doctors with the right balance and investment interests, a Self Managed Super Fund can provide significantly more control and flexibility than a standard fund. We assess whether it's the right move and set it up correctly if it is.
Spousal Contribution Strategy
If your partner earns less or has a lower super balance, we use spousal contributions and income splitting to equalise balances, reduce tax, and maximise what goes into super as a household.
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A specialist income puts you in the highest tax bracket from day one. Without a proactive strategy, a significant portion of every dollar you earn goes straight to the ATO not because you’re doing anything wrong, but because nobody has looked at the full picture and built a plan to address it.

Income Structuring for Medical Professionals
Whether you're employed, contracting, or running your own practice, the way your income is structured has a significant impact on your tax position. We identify the most effective structure for your situation.
Debt Recycling
If you're carrying a home loan, debt recycling converts non-deductible mortgage debt into tax-deductible investment debt one of the most impactful strategies available to high-income earners with surplus cash flow.
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Most doctors we work with have a number in their head an age or an income level at which they’d like to have the option to step back. The problem is they’ve never had anyone sit down and tell them whether that’s actually achievable, what it would take, and whether they’re on track.

Retirement Income Modelling
We model your retirement income across multiple scenarios based on your assets, income, and lifestyle costs so you have a clear number, a clear date, and a clear path.
Pre-Retirement Strategy
The final years of a medical career are the highest-earning and the most important for building wealth. We make sure your super, investments, and tax strategy are all optimised in that window.
Transition to Retirement Planning
When you're ready to wind down from clinical work, we manage the transition — pension phase structuring, drawdown strategy, and making sure the tax position is as efficient as possible on the way out.
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Our Clients

Trusted by Medical Professionals. Proven by Results.

We work with doctors, specialists, and medical practice owners who need advice that matches the complexity of their income, their tax position, and their life.
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10+
Years of Experience
A decade advising Brisbane's high-income professionals and high-net-worth families.
CPA
Qualified
Leigh holds CPA accreditation alongside SMSF and Tax Financial Adviser credentials giving clients confidence in the quality and breadth of advice they receive.
Unlimited
Access
Every client has direct access to Leigh throughout the year not just at review time. Phone, email, or meeting whenever something comes up.
5/5.0
Google Rating
Rated 5 stars by every client who has reviewed us on Google.
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FAQ's

Questions Medical Professionals Ask Before Getting Started

The answers to the questions we hear most often from doctors and specialists before they decide to work with us.

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I started super late due to medical studies, is it too late to catch up?

No. A high specialist income, used correctly, can close the gap significantly. We use catch-up concessional contributions, maximise salary sacrifice, and build an investment strategy outside super that works in parallel so the late start doesn’t define the outcome.

Practice income can be complex whether you’re a sole trader, contracting through a company, or distributing through a trust. We review your current structure, identify the most tax-effective way to receive your income, and coordinate with your accountant to implement it correctly.

Yes. Income protection for medical professionals is one of the most important elements of a financial plan and one of the most commonly under-reviewed. We assess your current cover, identify gaps, and restructure where necessary. We saved one client over $16,000 in annual premiums with minimal reduction in cover.

Yes, as part of a broader financial strategy. We advise on practice acquisition, commercial property through super, and how business ownership interacts with your personal wealth and retirement plan. We work alongside your accountant and solicitor on the detail.

We work directly alongside your accountant sharing strategy documentation, coordinating on tax planning ahead of year end, and making sure the financial advice and the tax advice are aligned. Most clients find the coordination between Track Wealth and their accountant improves both.

Get in Touch

Change Starts With a Conversation

Ready to get your finances sorted?
Fill out the form and we'll be in touch within one business day.
Call us at:

0478 219 115

Visit us at:

Level 2, 87 Ipswich Rd, Woolloongabba QLD 4102

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