How We Helped a Doctor Save $10K Annually and Build Long-Term Wealth
Vania Wang • January 14, 2025
Case Study: How We Helped a Doctor Save $10K Annually
and Build Long-Term Wealth
One of our clients, a cardiologist, came to us feeling frustrated. They were earning a strong income and investing regularly, but their wealth wasn’t growing as fast as they’d hoped.
After reviewing their situation, we found several areas for improvement. Their investments were held in their own name, which meant they were paying taxes at the top marginal rate.
They were also missing out on key deductions and weren’t using their superannuation accounts to their full potential. We worked together to restructure their finances. By moving their investments into a family trust, they could distribute income to family members on lower tax rates.
We also restructured their loans to reduce interest payments, freeing up cash flow for other investments. One of their properties was operating at a loss, but we used negative gearing to offset their taxable income, saving them thousands.
Finally, we optimised both their and their spouse’s super accounts, taking advantage of lower tax rates to build long-term wealth. The results were immediate. They now save $10K annually in taxes and have better cash flow, allowing them to invest more effectively.
Their assets are also insulated from potential litigation, giving them peace of mind about the future. This is a perfect example of how the right advice can make a world of difference. If you’re feeling stuck or unsure about your financial progress, a specialist accountant can help you unlock new opportunities and achieve your goals faster.
You’ve worked hard for your success, it’s time your finances reflected that.

If you own a thriving business, especially as a high-net-worth individual navigating growth, efficiency, and profit can be both exciting and overwhelming. You might already work with a business consultant or a financial advisor, but is your advisory team truly helping you unlock every opportunity? The rise of strategic business advisors is changing the game for business owners like you who want more than just “business as usual.” Understanding how strategic advice differs from traditional consulting will help you choose the right partner to propel your business and personal wealth to new heights. Business Advisor vs. Business Consultant: What's the Real Difference? At first glance, a business advisor and a business consultant might sound like they offer the same service. But when you look closer, their roles and value are distinct. A business consultant typically steps in for specific projects or problems. Think of them as specialists brought in to solve a challenge—like implementing a new software system, improving workflow, or launching a product. Consultants provide recommendations, often focusing on short-term improvements, process tweaks, or compliance needs. A business advisor, on the other hand, is your long-term partner. Their approach isn’t just about fixing a problem—it’s about setting your entire business up for sustained success. A strategic business advisor helps you clarify your vision, plan for growth, spot risks, and tie your business goals directly to your personal financial ambitions. Especially if you have complex assets or structures, the advisor’s goal is to help you achieve balance, prosperity, and peace of mind. How a Business Advisor Helps You Move Forward What do the best business advisors actually do? Their real value is in helping you see the bigger picture—beyond day-to-day operations. Here’s how a strategic business advisor supports you: Growth Planning: They help you identify opportunities for expansion, whether that's opening a new location, acquiring a competitor, or launching into new markets. Profit Maximisation: Advisors look to unlock hidden potential, reduce costs, and streamline operations to make your business more profitable—fast. Risk Management: You'll get help identifying and mitigating risks, protecting your assets and reputation along the way. Succession and Exit Planning: When it’s time to move on, a business advisor ensures you extract the most value from your business, whether through a sale, merger, or handing it down. Personalised Tax Strategies: Enjoy access to business advisory services sydney that integrate effective tax planning, ensuring you keep more of what you earn. In short, a strategic business advisor doesn’t just focus on your business—they bring your entire financial landscape into focus, aligning your business performance with your wealth-creation goals. What Do Business Advisory Services Include? If you’ve ever wondered what’s involved with business advisory services, you’re not alone. For high-net-worth business owners, today’s advisors no longer simply review financial statements or offer occasional advice. Instead, they offer a complete, integrated suite of services tailored to your unique circumstances. Business advisory services may include: Financial and Tax Strategy: Smart structuring is key to minimising tax and boosting cash flow. Advisors connect you with leading tax advice sydney so you pay only what you need to. Operational Reviews: Streamlining processes, improving efficiency, and identifying cost savings opportunities. Profitability Tracking: Identifying quick wins and long-term strategies to boost your bottom line. Wealth and Asset Protection: Shielding assets from unnecessary risks with proactive planning. Succession & Transition Planning: Ensuring a smooth handover when the time is right. Advisory services are particularly powerful for high-net-worth individuals. If you have multiple entities, complex investments, or a family business, customised support ensures your wealth is always working in your favour. The Strategic Business Advisor: Your Partner for Sustainable Success So, what is a strategic business advisor—and what sets them apart? A strategic business advisor goes far beyond the basics. They act as your business’s “co-pilot,” guiding you every step of the way rather than stepping in only when you call for help. Their support is future-focused and proactive, helping you anticipate challenges before they become headaches. For many high-performing business owners, partnering with a strategic business advisor in sydney is the fastest way to turn ambitious goals into reality. Key qualities that distinguish a strategic advisor: Holistic View: They see the connections between your business performance and personal wealth. Proactive Mindset: You'll get regular check-ins and forward-thinking advice, not just a year-end meeting. Custom Solutions: No cookie-cutter plans—everything is tailored to your goals, your industry, and your financial landscape. If you’re ready to grow, streamline, and maximise profit while protecting what you’ve built, a strategic business advisor will help you unlock your full potential. Choosing the Right Partner: What to Look For The advisor you trust should not only have deep expertise, but understand your unique ambitions as a business owner and wealth creator. Look for an advisor who: Has experience working with high-net-worth individuals and complex business structures Offers personalised solutions, not off-the-shelf plans Communicates proactively—so you’re never left in the dark Delivers measurable results through clear action plans Choosing wisely can lead to faster growth, stronger profits, and true peace of mind. Unlock Your Next Opportunity Having a strategic adviser by your side means you’re always ready to act, adapt, and win—no matter what the market throws your way. Whether you’re focused on expansion, optimising your tax position, or planning for succession, their tailored guidance ensures you’re never leaving money—or opportunity—on the table. If you’re questioning whether your current advisors are giving you the clarity and proactive support you deserve, now is the perfect time to rethink your approach. By partnering with the right team, you can turn your ambition into action and enjoy lasting success. Ready to get more from your business and your wealth? A strategic business advisor might just be the catalyst you need to unlock your best years yet.