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The MD difference

At MD Financial Management (MD), we believe that health and wellness are some of life’s most valuable assets. For more than 50 years, we’ve dedicated our business to you - Canada's physicians and your families - with the understanding that financial well-being plays a lead role in building healthier lives.

Welcome to MD
What we offer

Exclusively for physicians and their families

As a physician, your finances are complex. Your financial needs and priorities change throughout your career in a unique way – from funding your education, transitioning to practice, repaying debt, deciding whether to incorporate, buying a home, saving for children’s education and your retirement, and more. If you’re the spouse of a physician, all of this impacts you, too – and can present special opportunities to plan as a household.

At MD, we work exclusively with Canada’s physicians and their families to help take care of your financial health, so you’re able to enjoy all life’s possibilities.

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Secure and instant access to your account documents online with just a few simple clicks

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Advisors who act in your best interest

Dedicated to building a relationship with you and getting to know your values, priorities and vision, your MD Advisor delivers advice you can trust and focuses on putting your needs first – always.

MD Advisors are salaried and act in your best interest by providing objective financial planning personalized to what works best for your individual situation.

What sets MD apart

MD is the only national financial services firm that focuses solely on delivering financial-planning services designed for physicians and their family members.

As a physician, you have unique and special financial needs. That’s why it’s important for you to work with a company that understands the challenges you face and can anticipate your evolving needs throughout your lifetime.

We stay in touch with the medical community’s changing realities by listening to – and getting to know – physicians and their family members better than anyone else. We take the knowledge we gain and apply it to our financial-planning services to ensure our clients can meet their personal financial goals, no matter what complex and ever-changing challenges they face.

Each year, MD Advisors* spend over 75,0001 hours with our clients, learning about them personally and becoming better informed about their unique challenges. We also actively seek input and feedback from people and organizations that understand physicians – like the MD Physician Council, the Canadian Medical Association (CMA) and our 27 national physician specialty and representative groups, which represent more than 70,000 physicians across Canada.

At MD, we take a holistic household approach to financial planning, and leverage opportunities available through financial management, asset management, risk management, retirement planning, tax planning and estate planning.

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

How MD can work with you

  • Complete a deep discovery of your and your family’s overall situation – including things like work environment, personal preferences and life goals – and ensure ongoing planning that changes as your priorities change.
  • Provide personalized services – created with input from physicians – to help meet your financial needs with financial management, tax planning, investment planning, retirement income planning, insurance planning and estate planning.
  • Deliver a team approach: your MD Advisor works with MD specialists in insurance and estate and trust, as well as your legal and tax advisors, to provide a holistic view of your overall financial picture.
  • Collaborate with you and your immediate family members to simplify your financial planning and wealth and estate transfer, ensuring you can take advantage of any savings available to you.
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Get started with MD

An MD Advisor can work with you to ensure you're getting the value you deserve, including comprehensive solutions, advice you can trust and a focus on putting your needs first - always.

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

1 Based on a 5-year average from 2015–19.

MD Management Limited was the first of the MD Group of Companies to be founded in 1969. Since then the MD Group of Companies has grown to include MD Insurance Agency Limited (1970), MD Private Trust (1998), and MD Life Insurance Company (2000). MD Financial Management Inc. wholly owns or has a majority interest in the MD Group of Companies.