Most people can manage their finances with the help of a capable accountant and some general investment advice. For doctors in Australia, the situation is entirely different. Their financial lives are complicated by late career starts, high tax brackets, practice ownership, and personal commitments that stretch from mortgages to private schooling. What makes matters worse is that many doctors mix their business and personal finances, creating confusion that generic advisers are rarely equipped to untangle.
This is the gap that Medcentric, founded by Ravi Agarwal and Mina Andrawis, is determined to close. The firm exists because doctors cannot afford to treat their finances as if they were ordinary employees or small business owners. Their challenges are unique, and they demand an approach that is just as specialised as the work they do in medicine.
The core problem lies in fragmentation. A doctor might rely on one accountant for tax returns, another adviser for superannuation, and a separate lawyer for business structures. Each may give competent advice, but none sees the whole picture. As a result, personal savings decisions might conflict with practice planning, or tax strategies may not align with long-term retirement goals. The outcome is often wasted money, higher risk, and a lingering sense of financial instability.
Ravi Agarwal argues that this is not about doctors being careless. It is about time. The demands of medicine leave little room to monitor every detail of financial planning. Doctors are trained to focus on patients, not to scrutinise balance sheets or monitor compliance rules. Without a partner who understands the pressures of their profession, mistakes creep in and opportunities are missed.
Medcentric provides a different path. By integrating tax planning, investment management, practice structuring, property advocacy, and estate protection, the firm ensures that every decision supports a doctor’s overall financial plan. This means fewer surprises, less stress, and a clear roadmap from the early years of practice through to retirement. For doctors used to running between advisers and still feeling uncertain, the difference is immediate.
The struggles that Medcentric addresses are both financial and emotional. Many doctors admit they do not know exactly where their money is going. They earn well but feel constantly behind, convinced that colleagues are making smarter investments or paying less tax. Some worry that they will never be able to retire on their terms. Others live with the stress of not knowing whether their practice is protected if something goes wrong.
For Mina Andrawis, the solution is not just technical but also cultural. Medcentric was founded on the belief that doctors deserve clarity. They deserve to feel confident about their future and to trust that their years of sacrifice will result in lasting security. Financial freedom is not about extravagance; it is about choice. A doctor with a sound financial plan can scale back hours, take time to volunteer, or expand a practice without fear of losing stability.
This is why generic financial advice is not enough. Doctors need a partner who understands the full scope of their profession and can bring every element into alignment. Medcentric is not trying to be all things to all people. It exists only for doctors, and that focus gives it the ability to deliver solutions that actually work.
For medical professionals across Australia, this represents a long-awaited shift. No more patchwork advice, no more confusion between personal and business finances, and no more wondering if their strategies are keeping up with their peers. With Medcentric, founded by Ravi Agarwal and Mina Andrawis, doctors finally have access to a financial partner that sees the whole picture and provides the clarity they have been missing.