Protecting what matters most
09/09/2025
12 Stirling Highway
Nedlands WA 6009
Superannuation Advice for Doctors and Medical Professionals
Saving through the superannuation environment can be a tax effective means of accumulating wealth for retirement.
We can work with you to develop a range of superannuation strategies, designed to improve your superannuation savings balance on retirement or minimise tax in the lead up to it, considering:
- Concessional and non-concessional superannuation contributions
- Spouse contributions
- Re-contributions
- Division 293 tax
- Small business CGT contributions
- Downsizer contributions
- GESB Superannuation
We have the experience and knowledge required to assist with State Government Superannuation Schemes, whether untaxed or defined benefit.
We can help design strategies that allow you to take advantage of the unique features these funds offer.
Frequently Asked Questions
How do you help healthcare professionals optimise their super over time?
We work with healthcare professionals to maximise their superannuation savings over the long term. This could be by developing superannuation contribution strategies (salary sacrifice, personal contributions, or spouse contributions), managing super balances against the applicable superannuation balance caps, including those that apply to GESB West State, reviewing the underlying superannuation investment portfolio or evening up super account balances with your spouse.
How does superannuation work with irregular medical income?
When income is irregular, employer superannuation contributions may be, too. Where this is the case, or where you are self-employed, we may need to consider whether there is any benefit in making a ‘top up’ superannuation contribution toward the end of the financial year, as opposed to making regular contributions throughout the year.
Should I set up a self-managed super fund (SMSF)?
Self Managed Superannuation Funds can provide a great vehicle for the investment of your retirement savings base.Such a structure can offer a greater degree of flexibility, investment choice (including property or business property) and control. However, a Self Managed Superannuation Fund is not right for everyone, disadadvantages include the legislative and administrative burden, the fact that the trustees are solely responsible for ensuring Fund compliance, and potentially significant accounting, administration and audit costs.
What are the superannuation contribution limits for high-income earners?
High income earners are subject to the same superanuation contribution caps as everyone. Where income exceeds $250,000 pa, Division 293 tax will also apply, which increases the superannuation contributions tax rate by an additional 15%, to 30%.
I'm a public practitioner, what unique benefits and opportunities does my GESB West State provide?
GESB West State Super is a constitutionally protected, untaxed superannuation scheme. The fund offers unique features and flexibilities, particularly in terms of super contributions that can be made. More detail is contained in an article available on our website at
Super Contribution Strategies for the Medical Profession
How does superannuation impact my retirement planning?
Superannuation is a tax effective means of saving for your eventual retirement. Increasing the contributions made to superannuation as well as ensuring the investment of your superannuation savings are appropriate, will drive long term growth and dictate the outcome on retirement. When you do retire, it is important that your asset base is appropriately, tax effectively, structured and is able to generate a sustainable retirement income, to replace the salary you will no longer receive after ceasing work.
What tax benefits can doctors receive from super contributions?
Concessional contributions can be a tax effective means of saving for retirement. Doctors are able to make a concessional contribution up to the maximum cap, currently $30,000 pa, via salary sacrifice or a voluntary deductible contribution. It is important to note, that employer superannuation contributions count toward the cap, and if you are making a voluntary contribution, a notice of intent to claim a tax deduction should also be lodged with your superannuation fund within prescribed timeframes. In some cases, you may be able to carry forard unused concessional cap amounts from previous years.
