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Optimize your tax strategy

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Discover tax-efficient planning

Physician families have different considerations when it comes to financial planning and need an advisor with specific expertise. We understand the intricacies of a career in medicine and will work with you to develop a strategy that’s tailored to your family and your current situation.

The right approach for every stage of your career

Our MD Advisors will help ensure that proactive tax planning is part of your overall financial planning process, and that you’re optimizing tax-advantaged accounts accordingly.

If you’re a medical student, resident or new to practice, they can help you decide between opening an RRSP, TFSA or FHSA, or choosing incorporation and a corporate investment account. And if you’re a practising or retired physician, they can advise you on what to allocate to these accounts and what the longer-term tax ramifications will be.

No matter what stage of career you’re in, we have the optimal tax strategy; that’s why more than 37,0001 physician families look to us for guidance.

Tax tips for physicians

Whether you, your spouse, or both are medical students, residents, fellows, practising physicians or retired, we’ve got you covered.

Are you missing out?

A tax deduction that's commonly overlooked is carrying charges and interest expenses.

Your MD Advisor* can:

Help you optimize tax-advantaged accounts accordingly

Find appropriate tax strategies (e.g., incorporation, income splitting)

Assess your current plan and past strategies, and adjust as needed

* MD Advisor refers to an MD Management Limited Financial Consultant or Investment Advisor (in Quebec), or an MD Private Investment Counsel Portfolio Manager.

1 As of December 31, 2023, 37,153 physician households work with the MD Group of Companies (MD Financial Management Inc., MD Management Limited, MD Private Trust Company and MD Life Insurance Company).