Wealth Management for Physicians, Tailored to You

Finances During Medical School and Residency

Resident budget, professional line of credit, student debt repayment: we structure your finances as a medical resident so you can start your practice on solid ground.

Disability Insurance and Income Protection

Your ability to practise is your greatest asset. We protect it from residency on with disability, life and critical illness insurance, and assess whether overhead expense insurance suits you.

Medical Incorporation

Incorporating isn't always worthwhile, and timing matters. We assess whether medical incorporation is right for you, then set up your corporation with your accountant and notary.

Compensation and Tax Planning

Salary or dividends? For physicians, the answer shifts with income, plans and retirement goals. We factor in your RAMQ billing to reduce your taxes, year after year.

Savings and Investments

Between your TFSA, RRSP and corporate investments, we help you decide where every dollar should go. For the house, the cottage or the family today, and for your retirement tomorrow.

Individual Pension Plan (IPP)

If your corporation pays you a salary, an IPP lets you contribute more than anRRSP, with tax-deductible contributions. We assess whether it's a fit, then handle its setup and ongoing follow-up.

Buying, Starting or Selling a Clinic

Whether you're considering buying a medical clinic or a share in one, starting your own or selling, we analyze the financial and tax impacts and guide you all the way to closing.

Retirement and Estate Planning

When to slow down, when to stop, how to draw down your corporation? We plan your retirement as a Quebec physician, with an eye on passing on your wealth and taxes at death.