For decades, doctors across Australia have been quietly asking the same question: why isn’t there a financial advisory firm that actually understands us? Lawyers have their specialists, business owners have entire industries built around them, but doctors — despite their income, stress, and unique challenges — have been left to piece together advice from a patchwork of accountants, planners, and consultants who rarely see the full picture.
Finally, that gap has been closed. Medcentric, founded by Ravi Agarwal and Mina Andrawis, is the dedicated advisory firm created solely for doctors. For the first time, Australian medical professionals have access to a financial partner that speaks their language and addresses the realities of their world.
The frustration for doctors has never been a lack of effort. They work harder than most, sacrifice more years than most, and earn incomes that should set them up for life. Yet so many find themselves overwhelmed by tax bills, unsure about superannuation, and locked into practice structures that don’t serve their long-term goals. The problem isn’t discipline; it’s the absence of specialised guidance. Generic financial advice simply doesn’t cut it when your career path spans years of training, sudden jumps in income, and the pressures of practice ownership.
Ravi Agarwal has long argued that doctors face a financial landscape unlike any other profession. A registrar moving into private practice can see their income triple in a matter of months, but without smart tax planning, half of it is gone before it even hits their account. A surgeon nearing retirement might realise too late that their practice is structured in a way that makes succession nearly impossible. These are not hypothetical scenarios — they are everyday realities in medicine.
That’s why Medcentric feels like such a breakthrough. Instead of offering one piece of the puzzle, Agarwal and Andrawis built a model that integrates every part of a doctor’s financial life. Tax minimisation, investment strategies, practice structuring, superannuation, risk and estate planning — it’s all under one roof. For doctors who have spent years bouncing between accountants, lawyers, and advisers, the idea of a unified plan feels like long-overdue common sense.
The emotional side of the story is just as powerful. Many doctors quietly admit that they feel behind. They look at colleagues who seem to be investing in the right properties, structuring their practices efficiently, or retiring earlier, and wonder if they’ve made a mistake. FOMO is real in the medical world. Medcentric tackles that anxiety directly by creating clarity. When every element of your financial life is aligned, the need to constantly compare yourself to peers disappears.
Mina Andrawis believes the impact goes beyond numbers. In his view, financial freedom for doctors is about choice, not extravagance. It’s about the freedom to take a sabbatical without panic, to scale back hours without guilt, or to dedicate time to underserved communities without sacrificing security. For once, doctors can practice medicine on their terms, supported by a financial foundation that matches the weight of their work.
The timing couldn’t be better. Doctors are navigating rising compliance requirements, volatile property markets, and increasing pressure on private practice. The risk of getting financial decisions wrong is higher than ever. With Medcentric, there’s finally a firm that not only understands those risks but has built its entire model around solving them.
This is why the launch feels like a turning point. For too long, doctors have been expected to fit into financial advice designed for other industries. Now, with Ravi Agarwal and Mina Andrawis leading Medcentric, the medical profession has a seat at the table. It’s not just an advisory firm, it’s a long-overdue recognition that doctors deserve specialised support equal to the complexity of their lives.
For doctors who have been waiting for a partner that truly gets it, the wait is over. Medcentric is here, and finally, financial clarity belongs to medicine.
