Guidance for Physicians at Every Stage

Your practice is busy, your family is growing, and you're managing the complexities of a professional corporation. Our role is to build a coordinated financial plan that works as hard as you do, so you can focus on what matters most.

undefined

You Take Care of Others. Let Us Take Care of Everything Else.

It's 10:30 p.m. The clinic notes are finally done. Your family's asleep. And you're staring at your account statement, wondering if you're actually on track.

You didn't go into medicine to manage corporate cash flow, insurance optimization, and long-term investment strategy. But if you're incorporated, you're effectively running a financial business, with no COO.

As a physician, your time is limited and your financial life is complex. You're managing a demanding practice, supporting a family, and trying to make smart decisions in a system that doesn’t always make that easy.

Between managing patient care, clinic operations, and family life, your personal finances can easily become a second job. Your professional corporation is a powerful tool, but without a coordinated strategy, it can lead to missed opportunities and unnecessary risks.

Are you paying yourself in the most tax-efficient way? Is the cash in your corporate account strategically invested? Have you structured things optimally to benefit your family and fund your retirement? These are common questions that arise when your financial plan hasn't kept pace with your career.

Our role is to provide the coordination. We integrate corporate and personal financial planning, ensuring your investments, tax strategy, insurance, and estate plan all work together. The result is confidence and clarity, knowing your financial future is as well-cared for as your patients.

Financial Coordination for Your Entire Career

Financial documents and a calculator, representing organization and growth.

For Early & Mid-Career Physicians


Your challenge is managing complexity and optimizing growth. We provide the structure.

 Debt & Cash Flow Management:
We create a plan to efficiently manage student debt while optimizing cash flow for personal and practice needs.
Strategic Incorporation:
We help you decide the right time to incorporate and establish the optimal corporate structure for tax benefits.
Risk Management:
We coordinate a review of your personal and corporate insurance needs to protect your income and your family.
Growing Your Investments:
We establish a disciplined investment plan for your personal (TFSA, RRSP) and corporate accounts.
A mature tree, symbolizing legacy, preservation, and generational wealth.

For Established & Late-Career Physicians


Your challenge is preserving and transitioning wealth. We provide the orchestration.

 Corporate Investment Strategy:
We actively manage your corporate portfolio to optimize for tax-efficient growth and income.
Retirement Maximization:
We evaluate advanced strategies like IPPs and leverage corporate assets to secure your post-practice lifestyle.
Corporate Cash Flow Conversion
We develop a roadmap for your professional corporation to generate predictable tax-efficient income.
Estate & Legacy Planning:
We coordinate with legal counsel to ensure your will, trusts, and corporate structure are aligned to transition wealth efficiently.

Your Corporation is a Tool.
We Help You Use It Properly.

Pay Yourself Tax-Efficiently

We structure a salary and dividend mix that minimizes your personal tax bill while meeting your family's cash flow needs.

Manage Corporate Investments

Put the retained earnings in your corporation to work with a portfolio designed to grow tax-efficiently and fund future goals.

Split Income with Family

Legally and effectively share income with your spouse and children through prescribed-rate loans and other family trust strategies.

Fund Retirement from the MPC

Build a tax-deductible nest egg inside your corporation using tools like an Individual Pension Plan (IPP) to maximize your savings.

Backed by BMO Private Wealth

Our team is backed by BMO Private Wealth, one of Canada's largest platforms for healthcare professionals.

This means coordinated advice across banking, investments, tax, and estate planning, all under one roof.

Physician's Financial Health Check

If your financial plan hasn't kept pace with your practice, gaps can appear. Check any boxes that apply to you to see where you stand.

Your Personal Family Office

We bring together the investment, planning, and administrative expertise of a full family office; integrated through one advisory team and coordinated with your accountant, lawyer, and other advisors.

INVEST
  • Public Equity and Fixed Income Portfolios
  • Access to Alternative Investments
  • Disciplined Portfolio Construction
  • Lending Solutions via BMO Private Banking
  • Institution Research and Due Diligence
PLAN
  • Dedicated Advisory Team For Your Family
  • Cash Flow and Retirement Modelling
  • Estate and Succession Planning Support
  • Insurance and Risk Management Integration
  • Specialized Transition Planning Expertise
COORDINATE
  • Collaboration with Your Advisors
  • Tax Strategy Aligned Planning
  • Philanthropic and Foundation Guidance
  • Proactive Account Administration
  • Continuity Planning for Next-Generation

Frequently Asked Questions

Who do you typically work with?

Canadian families and individuals with meaningful complexity, multiple accounts or entities, concentrated positions, cross‑border considerations, or multi‑generational goals. Most have $1M+ in investable assets, but fit and complexity matter more than thresholds.

What does working together look like in the first 90 days?

We map your balance sheet and cash flows, consolidate accounts and documents, identify quick wins (tax, risk, liquidity), and establish a written plan and Investment Policy Statement. We also set the cadence for coordination with your accountant and lawyer.

Do I need to move all my assets to work with you?

No. Many families begin with planning and coordination, then transition portfolios over time. We can manage assets where appropriate and advise on held‑away accounts so the whole plan stays aligned.

How do you work with my accountant and lawyer?

We act as your coordinating advisor: shared agendas, clear responsibilities, and one calendar. We prepare materials in advance, run point on follow‑ups, and ensure tax, legal, insurance, and investment decisions integrate into one plan.

How are you compensated?

Transparent, fee‑based compensation. For discretionary portfolios we charge an asset‑based fee; for planning and coordination we outline the scope and associated fees up front. Our incentives are aligned with long‑term outcomes.

What’s the minimum portfolio size?

Typical starting point is around $1M in investable assets, but we prioritize fit and the value of coordination. If you’re facing complexity, we’re happy to start the conversation.

Ready to Talk Strategy?

We'll help you bring the moving parts together.

Book a Strategy Session