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/

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 for privacy information.

Market sentiment does not always reflect underlying opportunity. While many Victorian investors are looking interstate, selected Melbourne and regional pockets are showing renewed growth, particularly in affordable, infrastructure-backed corridors.

Property advisor Julian Muldoon of 1Group joins the Bongiorno Group’s Ricky Caldow to unpack current trends, including yield versus capital growth, outer-suburb momentum, infrastructure impact and tax considerations. They explore why strategy, fundamentals and personal objectives should drive investment decisions.

1Group
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/

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 for privacy information.

Efforts to prevent, treat and ultimately cure cancer rely not only on clinical excellence, but also on sustained investment in research. Tour de Cure, an Australian charity dedicated to funding cancer research, prevention and support programs, has raised more than $150 million and helped deliver hundreds of research breakthroughs across the country.

Sports broadcaster and former Sunrise team member Mark Beretta reflects on his long association with the charity and the impact it has had on patients, families and researchers. A board member for more than a decade, Beretta shares the story behind Tour de Cure’s growth from a small cycling initiative into one of Australia’s most significant contributors to cancer research funding.

Paul Fox, Director of the Bongiorno Group, joins Mark as they explore the human, financial and societal impact of cancer, the importance of prevention and research, and how individuals and organisations can contribute to the mission.

To participate or learn more about Tour de Force: https://tourdecure.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/

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 for privacy information.

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/

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/

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 for privacy information.

An unwelcome surprise can arrive at tax time, particularly for doctors whose income has increased during the year. The Medicare Levy Surcharge can catch trainees and junior doctors by surprise when they exceed the threshold through overtime and penalty rates.

The Bongiorno Group’s Nicolas Pereira and Chantelle Turner clarify when the surcharge applies, how it is calculated, and the role of appropriate hospital cover, providing practical guidance for doctors at every stage of their career.

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/

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 for privacy information.

Soon, employers will be expected to pay superannuation to their employees at the same time as wages. This change, known as Payday Super, becomes mandatory from 1 July 2026 and represents a once-in-a-generation reform to the superannuation system. The reform has major implications for practice owners and employers, particularly those running weekly or fortnightly payrolls, as late payments attract SG charges, interest, and loss of tax deductibility. The Bongiorno Group’s Ricky Caldow and Chantelle Turner discuss the changes and what you should be aware of between now at July.

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/

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 for privacy information.

Retirement is one of the most significant transitions in a professional career, yet it is often delayed or under-planned. The Bongiorno Groups Jim Tsirtsakis and Trevor Baxter explore what retirement truly means — beyond simply stepping away from work. They discuss the importance of defining purpose and lifestyle goals, aligning business exit strategies with personal objectives, and ensuring financial independence is sustainable over the long term.

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/

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 for privacy information.

A clear investment plan begins long before any money enters the market. New investors who define their goals, diversify effectively and stay disciplined through market shifts give themselves the strongest foundation for long-term success. Beatrice Yeo, Investment Strategist for the Multi-Asset Solutions Business at BlackRock, outlines the essential principles every first-time investor should understand.

She explains why goal-setting matters, how diversification has evolved in today’s market environment and why managing costs and maintaining discipline are critical. Beatrice also discusses the role of multi-asset portfolios, the growing influence of technology and AI in portfolio construction and some of the common mistakes to avoid when beginning an investment journey.

BlackRock
https://www.blackrock.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/

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 for privacy information.