Advice for a happy, healthy, wealthy life

Who we are

At The Wealth Doctors our mission is to empower Australians to achieve financial well-being and live their happiest lives.

Through personalised financial planning, expert advice, and innovative strategies, we diagnose your financial challenges, prescribe actionable steps and monitor your progress as you achieve lasting prosperity.

We are dedicated to helping you build, protect, and optimise your wealth with care, clarity, and confidence—because a healthy financial future starts with the right plan today.

Meet your wealth doctor

Monique Doney is a Senior Financial Adviser with over a decade of experience helping thousands of people through ethical financial planning advice.

From young people wanting to save to buy their first home to multi-million dollar families wishing to structure their assets to leave a legacy, Monique strives to make a difference.

Monique is a Certified Financial Planner® with the Financial Advice Association of Australia, has a Master of Financial Planning, Bachelor of Commerce and Bachelor of Economics, reflecting her commitment to professional excellence.

Her career includes roles at AMP Financial Planning, Avant Mutual's Doctors Wealth Management division and Perpetual Private Wealth.

Monique's holistic approach and dedication to client success make her a trusted adviser for those seeking to navigate the complexities of financial planning.

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Explore what we offer

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Cashflow management

We will examine your current spending patterns and help you identify ways that you can save. We will also help you decide where to direct your new found surplus, whether that is towards debt repayments, superannuation or investments.

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Wealth Protection

We can’t prevent accidents from happening but we can protect you from the financial impact they cause. We will assess your insurance needs, structure your cover to minimise cost and match you with a provider that meets your needs.

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Investment Strategies

We will help you identify what level of investment risk you are happy to take whilst still being able to sleep at night. We will put together a portfolio of investments to meet your individual needs.

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Debt Management

Are you struggling to understand which debt you should pay off in which order? We can help you understand how to structure your loan repayments to increase your tax deductions and pay less interest.

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Superannuation advice

We help you compare funds, investment options, fees and performance so you can invest in options that make you happy. We will prescribe a contribution strategy that will save tax and build your assets so that you can retire well.

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Centrelink Applications

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We speak the same language as Centrelink and know all the rules and requirements. We advocate for you so that you receive all that benefits that you are entitled to which will help you retire with a little more in your pocket.

Retirement Planning

We help you understand when you can afford to retire and what kind of lifestyle you will be able to live. We will help you optimise your assets to provide yourself an adequate income in retirement.

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Aged Care Assessments

We calculate the fees you will be asked to pay and let you know how to best fund them. We support you through the application process and handle the paperwork for you so you can stress less in a challenging time.

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Estate Planning

We are dedicated to looking after your finances now and helping you leave a legacy for future generations. That means working with your solicitors to organise & execute your wishes. We can also help you minimise both tax and stress.

The Advice Process

Step 1 - Initial Consultation

Book in for a complimentary tele-wealth appointment where we will discuss your current situation and what you want to achieve over the phone or via a video meeting. Bring along a list of your current assets, liabilities, income and expenses as well as a rough idea of your financial goals. We will make an initial assessment to determine if we are able to help you.

Step 2 - Investigations & Diagnosis

We conduct a full wealth scan, gathering information from you, your accountant, your super & insurers to ensure we have accurate information to make our assessment and recommendations. We spot small problems before they grow into larger ones.

Step 3 - Treatment plan

We'll present an overview of our proposed strategies, supported by in-depth research and analysis. We'll discuss how these ideas align with your preferences and goals. Your feedback will help refine the strategy to ensure it meets your needs and preferences.

Step 4 - Wealth Prescription

We’ll explain our comprehensive advice to you and show you the results you should expect to receive by following the plan. Together we will complete all necessary paperwork to put the plan in place.

Step 5 - Ongoing Monitoring

We keep our finger on the pulse of financial markets and monitor your investment performance on a daily basis. We’ll schedule regular check-ins to see how your spending and savings plans are tracking against your targets.

We are on top of ever changing tax laws and legislation that might affect you so you can sleep well knowing we will be in touch if your financial plan needs tweaking.

You’ll be invited for an annual wealth check on your 12 month anniversary to ensure you are progressing in line with your plan and it still meets your goals and circumstances.

Fees

Everyone’s situation is different and that means everyone requires different advice. That is why at The Wealth Doctor, we provide the advice you need at the time that you need it. You get what you pay for, and you don’t pay for what you don’t need.

Let us know the scope of work you’d like us to cover so that we can provide you a quote based on your circumstances. Importantly, you will pay a flat $ fee based on the scope of work requested rather than a % of your assets. That way, you aren’t penalised for growing your wealth. As an example, most advice fees fall between the range $3,750 to $13,500/year.

What our clients have to say

  • We have paid the Suncorp loan off!!! We want to thank you immensely for all that you do for us! Enjoy Christmas!🍾

    - A couple who reduced the term of their mortgage by 6 years and saved $201,496 in interest.

  • Thanks for everything you’ve done. You are a godsend for what you have been able to do for us as we have been trying for more than five years to get to where you got us today. We are both breathing a little easier tonight knowing that a lot of the financial pressure on us has been eased somewhat. We look forward to what other little gems of inspiration and advice you come up with as we continue this journey together.

    - A family who were able to reduce their insurance premiums and improve their cashflow drastically.

  • Many thanks for all you work on this, we truly appreciate having someone we can put our full trust in! I am looking forward to our ‘part retirement’ 😊

    - A couple who simplified their life by winding up their SMSF and saved over $40,000 in tax by following Monique’s advice

  • Thanks so much for your comprehensive Statement of Advice. We have also sought the advice of our tax agent who agrees that the advice you have provided is clear, detailed and comprehensive. We feel that the advice you have provided for us is invaluable. We will call on you again in the future as and when our future plans become a little clearer. You have been incredibly kind, helpful and supportive and for this we want to sincerely thank you.

    - A couple who saved their children $159,800 in “inheritance tax” when they inherit their super in the future.

  • We really appreciate what you have done for us. We couldn't have done it without you. We will put you on the Christmas card list!

    - A couple who didn’t understand the super system and had never made additional contributions. They saved $130,100 by implementing the contribution strategy without reducing their personal cashflow.

  • Thanks for meeting with Brooke yesterday - she found it really helpful and it’s great that it is not coming from me and coming from an expert and a really nice person who gets life! I hope she can check in with you once a year just to keep on track with financial stuff. Much appreciation.

    - A client who’s daughter booked in for a “finance 101” session with Monique

Set up a complimentary tele-wealth appointment

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Contact Us