Most Australians assume doctors are financially secure. They train for years, enter high-earning brackets, and carry the reputation of being among the most stable professionals. Yet behind the scenes, many doctors face financial stress. High incomes do not automatically translate into wealth, and without structure or strategy, even the best-paid doctors can find themselves under pressure.
This is the pattern that Medcentric, founded by Ravi Agarwal and Mina Andrawis, was created to address. The firm exists because doctors often need more than standard accounting support. Their financial lives are complex, and generic advice is rarely enough.
A doctor’s career path creates challenges most people never face. Income arrives later because training lasts longer. When it finally grows, it often jumps sharply into the highest tax brackets. Doctors are then balancing practice loans, personal mortgages, school fees, property investments, and retirement planning, often without a clear roadmap. The result is that many feel they are working constantly but still not building lasting wealth.
The problem is rarely discipline. Doctors are highly skilled, hardworking professionals. The issue is fragmentation. An accountant might manage tax returns, a planner might advise on superannuation, and a lawyer might handle practice structures. Each does their job, but no one connects the dots. That lack of coordination can create costly mistakes. A practice might be structured in a way that blocks succession. Investments might conflict with tax planning. Insurance might not protect the risks doctors face daily.
Medcentric argues that the solution lies in strategy. Financial planning for doctors must connect tax, superannuation, investments, risk, and practice management into one system. By doing so, every part of a doctor’s financial life supports the rest. Without strategy, money leaks away; with strategy, income is transformed into long-term security.
Ravi Agarwal explains that many doctors arrive at Medcentric with the same frustration: they earn well but feel financially stuck. Their income is strong, yet high tax bills, lifestyle costs, and unclear planning leave them uncertain about the future. This is why Medcentric puts emphasis on alignment. When every decision is tied to a broader plan, the results are not just financial but also psychological. Doctors feel confident rather than overwhelmed.
For Mina Andrawis, the purpose of Medcentric is about more than numbers. It is about restoring freedom. Doctors who know their financial framework is sound can choose how they work and live. They can scale back hours, dedicate time to research or community service, or retire on their terms. Without strategy, those choices are lost, no matter how much money flows in each year.
The lesson for doctors across Australia is clear. Being in medicine does not protect anyone from financial mess. In fact, the complexity of the profession makes planning even more essential. Generic accountants and fragmented advisers may be enough for other industries, but doctors need partners who understand their unique world. That is the change Medcentric was created to deliver.
By focusing exclusively on doctors, Ravi Agarwal and Mina Andrawis have built an approach that recognises the realities of medical life and turns them into structured, long-term strategies. The message is simple. Income is not the same as wealth, and without strategy, even doctors can fall behind. Medcentric’s role is to ensure that does not happen.
