The Money Doctors

The Hidden Risks of Outdated Insurance Cover

Insurance only works when it evolves with your life. From rising incomes and growing debt to children, career changes and mounting premiums, reviewing your cover regularly can mean the difference between being properly protected and paying for insurance that no longer fits your needs.  The Bongiorno Group’s Matt Homewood and Tom Will unpack the key triggers for reviewing income protection, life, trauma and TPD insurance. They explain how changing income, waiting periods, mortgages, school fees and lifestyle shifts should shape your insurance decisions over time.  The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/ [https://bongiorno.com.au/]  This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.    See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Federal Budget 2026-27: What It Means For You

The Federal Budget could reshape the financial landscape for doctors, business owners and investors for years to come. While none of the major reforms are law yet, the proposed changes to capital gains tax, negative gearing and discretionary trusts have already sparked urgent conversations across the financial sector.  Bongiorno Group directors Nick Fennessy and Mitch McKeown break down the biggest announcements from Treasurer Jim Chalmers’ latest budget and explain what they could mean in practical terms. They unpack the proposed overhaul of discretionary trust taxation, changes to negative gearing for future property purchases, major CGT reforms across all asset classes, and why self-managed super funds may emerge as one of the biggest winners.   They also discuss EV tax concessions, private health insurance rebate reductions, instant asset write-offs, and why investors should avoid panic while the legislation process unfolds.  The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/ [https://bongiorno.com.au/]    This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.  See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Property Update Part 3: The national market

Strong rental demand and infrastructure investment are reshaping Australia’s property landscape beyond Victoria, but elevated prices and rising optimism warrant caution. Property strategist Julian Muldoon of 1Group and the Bongiorno Group’s Ricky Caldow examine the momentum across Queensland, Sydney’s western corridor, Adelaide and key regional centres. They explore the sustainability of recent growth, the role of major projects such as the Western Sydney Aerotropolis, and where investors may still find balanced opportunities between yield, value and long-term fundamentals.  1Group https://www.1group.com.au/ [https://www.1group.com.au/]  The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.   For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/ [https://bongiorno.com.au/]    This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.   See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Property Update Part 2: The Victorian commercial market

Long-term wealth in property is built on strategic asset selection, not short-term sentiment. Property advisor Julian Muldoon of 1Group, joins the Bongiorno Group’s Ricky Caldow to examine the Victorian commercial property landscape. They explore the case for light industrial assets, the challenges facing retail, planning changes affecting medical practices, and why Melbourne may present compelling opportunities despite negative market sentiment. 1Group https://www.1group.com.au/ [https://www.1group.com.au/] The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.  For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/ [https://bongiorno.com.au/]    This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.  See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Interest Rates Are Rising – What You Need to Think About

Uncertainty in interest rates is not just a market issue, it is a personal financial decision point for every borrower. With inflation still above target and global pressures influencing the outlook, the path forward for interest rates remains unclear.  Jack Will, Finance Manager at The Bongiorno Group, is joined by Senior Finance Consultant Mark Bremner and Director Nick Fennessy to unpack the latest shifts shaping lending decisions. They explore why forecasts have changed, what rising rates mean for borrowers, and how global and local factors are interacting.  They focus on practical decision-making, including the pros and constraints of fixed and variable loans, the role of hybrid strategies, and why personal circumstances should ultimately guide the right approach.  The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.   For more information, please call 03 9863 3111 or visit https://bongiorno.com.au/ [https://bongiorno.com.au/]  This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.  See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.