Ravi Agarwal

Managing Partner

Ravi Agarwal is an experienced adviser whose key objective is to assist medical professionals throughout Australia to make smart, financial and business decisions to allow them to achieve their life goals and dreams.

In 2010, Ravi established MEDIQ Financial Services, a premier Financial Planning, Accounting, Investment, Insurance, Legal & Finance practice for medical professionals and their families. The business has grown organically to a team of 35, serving clients nationally.

Ravi has been recognised by the Association of Financial Advisers with the 2013 AFA Rising Star award, in recognition for his excellence in the advice industry and outstanding commitment to his clients, their community and the Medical Profession. He was also awarded ‘Multi-service Practitioner of the Year’ in 2015 and ‘Practice Principal of the Year’ in both 2014 and 2015 in the IFA Excellence Awards.

In 2017, under the leadership of Ravi, MEDIQ was awarded the AFA Practice of the Year – the highest accolade available for a practice in the financial advice profession.

Professional Memberships / Qualifications:

  • Chartered Tax Advisor
  • SMSF Specialist Advisor
  • Fellow – Institute of Public Accountants (FIPA)
  • LL. B Law

Max Moodley

Principal NSW

Max Moodley is the founder of what is now the Sydney arm of the firm. From a standing start the practise grew to accommodate a large number of clients, predominantly medical specialists. The focus has been on holistic advice for time poor professionals in this field. Tax planning and proper structuring has always been a key motivation. He has over 20 years of experience in the provision of financial and tax advice.


Professional Memberships/Qualifications:

  • Master of Laws (LLM)
  • Chartered Tax Adviser (CTA)
  • Certified Financial Planner (CFP)
  • Specialist Superannuation Adviser (SSA)
  • Licensed Real Estate Agent (LREA)
  • Member – The Tax Institute
  • Member – SMSF Association

Mina Andrawis

Partner - Wealth & Legal

Mina graduated with a double degree in Bachelor of Commerce/Law with majors in Finance and Financial Planning. He started his career with the NAB legal team then worked his way through the property and banking and finance division of mid-tier law firm Gadens Lawyers. Mina has over ten years of experience in servicing doctors and understands the intricacies surrounding legal and financial matters specifically for doctors.

Commercially-minded and practical, Mina is highly valued for his technical knowledge and practical approach to commercial negotiations and is praised by clients for his ability to provide simple advice on complex matters.

Professional Memberships / Qualifications:

  • Member of the Law Institute of Victoria
  • Bachelor of Commerce/Law with majors in Finance and Financial Planning

Paul Pun

Partner - Accounting & Taxation

Paul’s strategic approach and passion for the people he works with enables him to deliver a vital role that encompasses a holistic view of clients’ needs. Acting as a strategic business partner, Paul supports clients by highlighting and dealing with potential issues to best achieve desired outcomes. With an ability to solve complex financial problems and deliver solutions in an easy-to-understand format, Paul is regularly engaged to assist clients with:

  • Tax structuring, including review of old structures that no longer work or serve the wider objectives of the business owners
  • Ongoing tax advice that facilitates business growth and wealth creation
  • Identifying and implementing tax efficient strategies
  • Minimising business risk and protecting business and family assets
  • Business succession, retirement and estate planning

Professional Memberships / Qualifications:

  • Chartered Accountant (CA)
  • Chartered Tax Advisor (CTA)
  • Graduate Diploma (CA ANZ)
  • Bachelor of Commerce (Accounting)

Herbert Mai

Director - Lending and Finance

Herbert Mai is an experienced credit and finance adviser with over 12 years experience in residential and commercial property finance.

He graduated the University of Melbourne with a Bachelor of Urban planning and Development, and combined these skills with property finance over 12 years with the Westpac Group.

Along the way he also received his Diploma in Financial Planning.

With an understanding of both the growth of the Australian property market and Banking credit requirements, he is able to assist clients over the short and long term in achieving financial goals based around the acquisition of property and helping them find the right finance for all circumstances.

He looks to tailor specific solutions for each client, as he understands every client is in a different unique situation.

Professional Memberships/Qualifications

  • Bachelor of Urban Planning & Development
  • Diploma in Financial Planning RG146
  • Certificate 4 in Finance and Mortgage Broking
  • Member – Mortgage & Finance Association of Australia (MFAA)

Margaret Patrick

Senior Associate

Margaret graduated with a Master of Laws (Juris Doctor) degree from Monash University and was admitted to practice in the Supreme Court of Victoria in June 2017. She has since developed her legal career in corporate and commercial law in large mid-tier firms (HWL Ebsworth) as well as boutique firms (Nicholson Ryan Lawyers) before joining MEDIQ Legal.

Margaret aims to provide practical and tailored solutions to clients which are informed by a deep understanding of a client’s business and circumstances.

When Margaret is not working, she is thoroughly and happily consumed with family life and in particular, all things involving her toddler.

Professional Memberships/Qualifications

  • Member of the Law Institute of Victoria
  • Member of Victorian Women Lawyers
  • Master of Laws (Juris Doctor)

Ankur Dogra

Client Director

Ankur has more than 15 years of experience in Business Services, Business Advisory, and Superannuation.

He is driven to provide the best outcomes for his clients and is passionate about providing quality and timely service.

Ankur prides himself on gaining a deep understanding of his client’s business and personal circumstances in order to achieve their wealth creation and life goals.

Professional Memberships / Qualifications:

  • Certified Practicing Accountant (CPA)
  • Bachelor of Commerce (Accounting)

Joy Xu

Client Director

Joy is a CPA and holds a Master of Accounting (Macquarie University). She has over 20 years of experience as an accountant, tax advisor and strategist. Since August 2007, she has been advising medical professionals and practices in all aspects of accounting and tax. This includes highly structured and complex arrangements involving companies, trusts, partnerships and super funds.


Professional Memberships / Qualifications:

  • Master of Accounting (Macquarie University)
  • Certified Practising Accountant (CPA)

 

William Ma

Client Director

With 15 years of experience as a tax advisor, William has a wealth of experience advising medical professionals and practices in all aspects of accounting and tax, including the acquisition and sale of medical practices, as well as setting up greenfield sites. He enjoys guiding his clients across the myriad of structuring options and creating comprehensive group tax strategies.

Outside of work, William enjoys cycling and spending time with his young family.

Professional Memberships / Qualifications:

  • Chartered Accountant (CA)
  • Australian solicitor
  • Graduate Diploma in Law (Tax)
  • Bachelor of Law
  • Bachelor of Commerce
  • Diploma in Modern Languages (Japanese)

Suman Ghosal

Senior Credit Advisor

Suman is a passionate professional with over 20 years of experience (including 16 years overseas experience) in Credit and Business Development particulrly in Banking & Finance Industry.

He graduated from Calcutta University with Economics Honours and completed MBA Finance from Sikkim Manipal University. In his 16 years of overseas career he has worked with Big 3 Banks in India, particularly in Mortgage and SME Finance and then finally with Tata Financial in Real Estate Finance before moving to Australia permanently in 2019. In Australia, he worked with HSBC Bank & Aussie Home Loans after getting accredited in Finance and Mortgage Broking.

With his vast understanding of the mortgages and construction finance business, he is able to engage with clients by understanding their needs, assisting them fulfilling their requirements.


Professional Memberships / Qualifications:

  • B.Sc (Economics Hons)
  • MBA (Finance)
  • Certificate 4 in Finance and Mortgage Broking

 

Nikunj Agrawal

Client Manager

Nikunj is an accountant who’s been with the firm since 2018 after studying at Monash University in Melbourne. He loves helping clients with their questions, especially when it comes to taxes, GST, and payroll. Beyond work, He is an avid reader of business books. Lately, He has been exploring ways to make his work smarter and more efficient through automation. Being professional and providing top-notch service are my priorities. If you need assistance or have questions about your finances, He is here to make it easy and stress-free. Let’s navigate your financial journey together!

Professional Memberships / Qualifications:

  • Bachelor of Business

Adrian Do

Accountant

Adrian has a Bachelor of Commerce – Professional Accounting and has partially completed the CPA program. He has a good all-round grounding in various aspects of accounting and taxation. From tax preparation, BAS and general reconciliation, Adrian also has strong accounting software skills and has really helped his clients with their own bookkeeping processes. He is also currently developing further experience in the administration of SMSFs.


Professional Memberships / Qualifications:

  • Bachelor of Commerce (Professional Accounting)
  • Certified Practising Accountant (in-progress)

 

Milan Karki

Accountant

Milan Karki has completed his Master’s degree in Professional Accounting and is working towards becoming a Certified Public Accountant (CPA). He can assist with Bookkeeping, Payroll, Capital Gains Tax (CGT) calculations, Business Activity Statements (BAS), and Tax Returns. Milan is dedicated to keeping up-to-date with the latest accounting practices and taxation law developments. Furthermore, he enjoys reading news and articles about business automation, strategic planning, and administration.
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Professional Memberships / Qualifications:

  • Master of Professional Accounting
  • Certified Practising Accountant (in-progress)

 

Lynn Bosman

Client Services Administrator

After being an Associate in town planning for many years, Lynn decided on a career change and moved into the world of accounting and tax.

With her solid client services background, Lynn enjoys building and maintaining client relationships. In addition to being the client liaision for ATO matters, Lynn also heads up our ASIC Compliance Management department. In her spare time, Lynn enjoys relaxing with friends and family whilst exploring the city of Melbourne and surrounding areas.

Olivia Ho

Client Services Manager

Olivia is our Client Manager. She has been working in financial services for several years in areas such as Superannuation, Insurance, Financial Planning, Accounting and Property finance. She ensures that all processes and procedures are adhered to and has a wealth of knowledge.
Olivia is a key point of contact from time to time and her multifaceted role is an important part of our service offering. Her passion lies in the intricacies of finance and she is dedicated to delivering optimal results when enhancing clients’ financial futures.


Professional Memberships / Qualifications:

  • Bachelor of Commerce (Marketing & Finance)