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About MD

More than 50 years ago, the Canadian Medical Association (CMA) realized that Canada’s physicians needed an effective and affordable way to save for retirement. That led to the creation of the registered retirement savings plans that all Canadians enjoy today — and, in 1969, to the creation of MD Financial Management (MD).

Today, MD is the only national financial services firm that focuses solely on the unique needs of physicians and their families.

Where we are

MD is headquartered in Ottawa with more than 50 regional offices throughout Canada’s provinces and territories. MD Advisors are also available for online meetings, at your convenience.

Find an office Contact an MD Advisor

Committed to physicians

Our mandate is to help Canada’s physicians and their families achieve their financial goals at every stage of their career, from the first day of medical school to practising and through retirement.

MD Advisors work primarily on salary — and are not paid any commissions for selling one investment product rather than another. Our Advisors provide objective advice that is in our clients’ best interests.

Our clients have access to a suite of financial services, all in one place. They can also get one-on-one advice on every aspect of their financial health — from tax-efficient investments to insurance, retirement planning and estate planning.

We’re committed to putting physicians first.

Community connections

MD has deep connections in the medical community.


We believe that physician-member organizations play a vital role in the Canadian healthcare system. That’s why we partner with collaborative physician-based organizations that share our values and, most importantly, are looking for opportunities to innovate. We want to help our partners build long-term, sustainable programming and support the physician community.

We are the exclusive financial services partner of more than 40 physician-based organizations. Some of these include:


We sponsor numerous events, awards and programs throughout the year. Learn about our application process and apply for support.


MD, Scotiabank, and the CMA have pledged $115 million over 10 years to support the CMA’s vision of a vibrant medical profession and a healthy population.


We regularly consult with the MD Physician Council, a diverse group of physicians who meet four times a year to discuss MD’s product and service offerings, along with trends and issues affecting Canadian physicians.

In the words of our clients

No one is going to care as much about your money as you, but MD comes a close second. Many companies don’t really get how our practices are run and the issues we face as physicians; the personal care I get from my PIC advisor is outstanding and I’m proud to call him my trusted advisor and friend.

- Dr. George Miller,
General Surgery, Saskatchewan

The History of MD