Doctors are unlike any other profession when it comes to finances. Years of training mean they start earning later in life, and when they do, their income often jumps quickly into the highest tax brackets. They face complex practice structures, exposure to regulatory requirements, and lifestyle pressures that can drain savings. In Australia, these realities make doctors some of the most financially vulnerable high earners. The problem is that most of them are still relying on generic accountants who do not understand their world.
That gap is exactly what Medcentric, founded by Ravi Agarwal and Mina Andrawis, was created to solve. Medcentric is not an ordinary advisory firm. It was built from the ground up to serve doctors only, giving medical professionals in Australia a financial partner who understands every stage of their career.
The truth is that generic accountants are not incompetent. They simply operate with playbooks written for small business owners or everyday employees. Doctors do not fit these molds. A general practitioner might juggle contractor income with practice ownership, property investments, and superannuation. A surgeon could be managing hospital contracts, private operating lists, and a complex practice entity. These situations demand far more than routine bookkeeping or tax preparation.
What usually happens is that doctors follow the advice given, only to find they are paying unnecessary tax or holding investments that do not align with their career stage. Many discover too late that their practice was not structured to allow for succession or retirement. The cost of these mistakes is measured not just in lost wealth but in years of stress and uncertainty.
Medcentric changes this by offering an integrated model. Tax minimisation, investment planning, superannuation growth, risk protection, property advocacy, and estate planning are brought together under one strategy. Instead of shuffling between multiple advisers, doctors finally have a single partner whose entire focus is on their profession.
Ravi Agarwal explains that the difference comes from specialisation. Doctors live with financial complexity from the moment they finish training, and without a strategy built for that complexity, they lose ground year after year. Many come to Medcentric feeling like they are working harder than ever but still making little financial progress. The missing piece is not effort but alignment.
Mina Andrawis points out that the firm’s mission is not simply about accumulating wealth. It is about creating freedom. Doctors who are confident in their financial framework can choose how they spend their time. They can reduce hours, expand their practice, or even volunteer abroad without being held back by financial uncertainty. In a profession where time is often consumed by patients, paperwork, and compliance, the return of control over personal finances is life changing.
For doctors in Australia, this represents a much-needed shift. The old model of relying on generic accountants is no longer good enough. Medicine demands financial solutions that are just as specialised as the work doctors do every day. Medcentric delivers that clarity, connecting every part of a doctor’s financial life into one clear plan.
The message is straightforward. Doctors have been underserved for too long, and the cost has been measured in tax bills, missed opportunities, and unnecessary stress. With Medcentric, founded by Ravi Agarwal and Mina Andrawis, there is finally a firm in Australia that is dedicated solely to doctors and determined to bring lasting change to the way they manage their wealth.
