salary packaging with
matt & mitch

“understand how the tax management system works to maximise your financial effectiveness”

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salary package effectively and keep more money in your pocket

As a new intern you have a lot on your plate – so it pays to get set up early so you can reap the benefits. One of the best ways to maximise your tax savings is by effective salary packaging which allows you to pay for selected expenses before tax.

Did you know in Victoria, you can enjoy nearly $3,000 in tax savings by getting it right from the start? Salary packaging is complex and can vary depending on the hospital provider’s plan, the timing of your rotations and any HECS you may owe. So being organised well before you start and understanding how your salary packaging will work for you means you won’t need to stress about the detail on day one.

Speak to one of our friendly doctors in training consultants to help you set a plan to make the most of your salary, keeping more of your hard-earned money in your pocket.

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salary packaging and income tax for junior doctors with
ricky & mitch

At the recent AMAV careers expo, Bongiorno consultants, Ricky and Mitch spoke about the importance of getting salary packaging right and income tax for junior doctors.

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our team

who you’ll be having
a good chat with.

Ben Bongiorno

Ben Bongiorno

Financial Consultant - Doctors in Training

Ben holds a Bachelor of Commerce, as well as a Masters in Financial Planning from Deakin University. He is also CFP qualified, a member of the FPA and has a certificate IV in Mortgage Finance Broking. After working with an accounting firm specialising in Medical Practitioners, Ben joined The Bongiorno Group team in 2010 and works with young medical professionals. Ben has also completed the education requirements set out by the Financial Adviser Standards and Ethics Authority (FASEA). FASEA was established by the Federal Government in 2017 to set the education, training and ethical standards of licensed financial advisers in Australia.

Ben spends all of his spare time shopping in Bunnings.

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Mitch McKeown

Mitch McKeown

Financial Consultant - Manager Doctors in Training

As part of the Doctors in Training team, Mitch works with young medical professionals to advise on the best financial platform to kick-start their careers. He holds a Bachelor of Business Administration (majoring in Accounting and Marketing), a Diploma of Financial Planning and a Certificate IV in Finance and Mortgage Broking.

Mitch aspires to be the next Australian to win the US Masters.

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Matthew Homewood

Matthew Homewood

Financial Consultant - Interns

Matt is a vital member of our Doctors in Training team where he is primarily responsible for medical and dental students, Interns and young professionals moving through their careers. In addition to helping guide young medical and dental professionals on the correct financial path from the start of their careers, Matt also manages the personal risk insurance for Director, Michael Waycott’s clients. Holding a Bachelor of Commerce degree from the University of Melbourne, with majors in Finance, Management and Criminology, Matt has also attained his Diploma of Financial Planning and Certificate IV in Mortgage Finance Broking.

Matt’s favourite item of clothing is his board shorts.

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Ricky Caldow

Ricky Caldow

Financial Consultant

Starting out in Private Practice Specialist, Rick has worked in the financial services industry for over 10 years. With a Bachelor of Commerce from Deakin University, an Advanced Diploma in Financial Services (Financial Planning) and a Certificate IV in Mortgage Finance Broking, Rick is well qualified to provide financial advice to his young doctor and dentist clientele. Ricky has also completed the education requirements set out by the Financial Adviser Standards and Ethics Authority (FASEA). FASEA was established by the Federal Government in 2017 to set the education, training and ethical standards of licensed financial advisers in Australia.

Rick is the master of the Weber Q!

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make every day a good day

We know how busy you are in your training years, juggling a hectic schedule and keeping up the study. Fill in your details and we’ll contact you to make a complimentary appointment at a time that suits you with one of our friendly advisers. We’ll even make you a great coffee!