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MD Signature, Private Wealth Management

Protect your wealth and simplify your life with personalized advice and comprehensive service — built uniquely around you

AN ELEVATED LEVEL OF SERVICE

DESIGNED TO UNLEASH YOUR LIFE’S

potential

MD Signature Private Wealth Management (MD Signature) eliminates the complexity of managing your own wealth — giving you the freedom to focus on the things that matter most to you.

AN ELEVATED LEVEL OF SERVICE

Our exclusive MD Signature service delivers a level of advice and expertise beyond that which you may be familiar with and is available to physicians and their families who have $3 million or more in investable household assets. You’ll benefit from an enhanced level of comprehensive advice, customized service and specialized expertise. All brought to you by an MD Signature Team that has deep knowledge of complex financial situations like yours — and that can deliver solutions designed specifically to enhance your life.

HALF A CENTURY OF PHYSICIAN-FOCUSED EXPERIENCE

With MD Signature, you can rest easy, secure in the knowledge that your wealth is managed by MD Financial Management Inc. (MD), a company that understands physicians and their families — and their unique needs — better than anyone else does.

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Explore MD Signature

Discover unparalleled support in three key areas:

SOME SEE COMPLEXITY.

WE SEE SIMPLICITY WAITING TO BE

set free

As you progress through your medical career, your wealth grows — but so do the complexities of managing your finances. As an MD Signature client, you’ll enjoy:

Comprehensive advice

Knowledge and support from a dedicated MD Signature Financial Planner, backed by an MD Signature Private Wealth Strategy Team that’s made up of MD professionals with extensive experience in investment strategy, estate and trust, insurance, incorporation and tax, and more. All seamlessly coordinated by your trusted MD Signature Advisor.

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Seamless coordination of advice

As an MD Signature client, you’ll receive robust advice that covers every aspect of your financial life. You’ll enjoy the support of a dedicated MD Signature Advisor who understands the needs of physicians and their families — something you won’t find at other financial institutions.

Your MD Signature Advisor will seamlessly coordinate advice from the exclusive MD Signature Team and work with your trusted specialists to provide a comprehensive service focused on your unique financial needs.

Your MD Signature Team

Coordination Infographic You MD Signature Advisory Team MD Signature Advisor MD Signature Client Associate MD Signature Financial Planner MD Signature Private Wealth Strategy Team Estate and Trust Insurance Incorporation Tax Your trusted specialists Accountant Lawyer Scotia Wealth Management® Private Banker
Coordination Infographic - mobile view You MD Signature Advisory Team MD Signature Advisor MD Signature Client Associate MD Signature Financial Planner MD Signature Private Wealth Strategy Team Estate and Trust Insurance Incorporation Tax Your trusted specialists Accountant Lawyer Scotia Wealth Management® Private Banker

The MD Signature difference

We can help you:

  • gain a deeper understanding of your values, vision and goals
  • understand the unique requirements for corporations in your province/territory
  • discover investment and financial-planning strategies that can reduce your tax burden
  • fund your retirement — and determine how you want to enjoy it
  • discover provincial alternative funding plans (AFPs)
  • strategize how to maximize the wealth you transfer to your loved ones
  • explore whether Scotia Wealth Management® Private Banking is right for you
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Personalized planning

An enhanced level of one-on-one advice coupled with specialized tools that deliver a values-based discovery — an exercise that can help you uncover what matters most to you — and a deeper level of planning. The result: recommendations that go beyond financial planning — they’re about life planning.

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Your values are important — and should be reflected in your financial planning

Together, we’ll fully explore your situation, taking you through our MD Signature values exercise, to help you uncover your most important personal values, and take a deep dive into your unique circumstances. Then, we’ll deliver recommendations that can directly benefit your financial health and future. The results might surprise you.

Your financial planning road map

MD Signature Process Infographic s Assessment Gather your personal financial information. Discovery Uncover your family’s values, vision and current financial circumstances. Prioritize your goals. Advice presentation Receive a personalized financial plan. Highlight any areas of concern or opportunity (if applicable). Implementation Meet with local MD ExO® specialists (e.g., in estate, trust, insurance, etc.) and other resources to help put your plan successfully into action. MD Signature financial planning process Monitor and adjust Conduct ongoing reviews and adjust your plan as your needs — and goals — change.
MD Signature Process Infographic - mobile view MD Signature financial planning process 1. Assessment Gather your personal financial information. 2. Discovery Uncover your family’s valtues, vision and current financial circumstances. Prioritize your goals. 3. Advice presentation Receive a personalized financial plan. Highlight any areas of concern or opportunity (if applicable). 4. Implementation Meet with local MD ExO® specialists (e.g., in estate, trust, insurance, etc.) and other resources to help put your plan successfully into action. 5. Monitor and adjust Conduct ongoing reviews and adjust your plan as your needs — and goals — change.

It’s not just financial planning — it’s life planning

Your profession is unlike most others. Your financial situation is likely complicated — and that’s why our ongoing planning process is so important to your financial well-being, at every stage of your life.

We use the knowledge we gain through the MD Signature values exercise to provide “living, breathing” financial planning that not only helps you reach your goals, but also changes as your priorities change.

What a creative exercise to go through! I felt this was something very new and it was changing what used to be a dry and factual process into something that really took into consideration emotional factors and what drives our behaviour.

Dr. Helen Spenser
Psychiatrist and Family Physician
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Simplified solutions

Comprehensive and customized services and solutions that not only simplify your financial affairs today, but also evolve with you as you navigate every stage of your life and career.

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Solutions designed specifically to enhance your life

MD Signature delivers comprehensive yet simplified solutions for all of your financial affairs — making your life simpler and giving you the freedom to live your dreams.

A dedicated MD Signature Advisor:
Seamlessly coordinates your MD Signature Team, as well as working with your own accountant and other trusted specialists.

Scotiabank Healthcare+ Physician Banking Program:
Through Scotia Wealth Management® Private Banking, you have access to a dedicated Private Banker, customized lending options to take advantage of investment opportunities and Pursuits™, our leading-edge concierge and travel management service.
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Tiered pricing for you and your family:
Bundling accounts with a family member could lower your investment account fees by as much as 13% (MD Private Investment Counsel) or 5.9% (MD Plus).1
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Exclusive events for MD Signature clients:
Unique educational opportunities and networking events with colleagues, as well as private dining experiences, art, theatre, comedy and sporting events, as circumstances allow. Due to the pandemic, we’ve moved events to a virtual format, but will resume in-person events once the pandemic is over.

Flexible meeting options:
Virtual meetings with your MD Signature Advisor whenever it’s convenient for you, and you can be secure in the knowledge that your conversation is completely protected and private. We will resume face-to-face meetings — at an MD office or your home, your office or another location of your choice — as soon as it is safe to do so.

MD Signature services at a glance

Benefits and Privileges MD advisory offerings
($500+)
($200K+)
($3M+)
Physician-focused approach, objective advice◆◆◆
World-class asset managers◆◆◆
MD investment funds and pools◆◆◆
Scotiabank Healthcare+ Physician
Banking Program 		◆◆◆
Tiered pricing◆◆◆
MD Advisor*, MD ExO®◆◆◆
MDPIC Portfolio Manager ◆◆
MD Signature Advisory Team
(Advisor, Financial Planner, Client Associate)		  ◆
MD Signature Private Wealth Strategy Team
(estate and trust, tax, etc.) 		  ◆
Enhanced financial planning  ◆
Elevated level of service and support  ◆
Exclusive events  ◆
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COMPLEXITY

ELEGANTLY RESTORED TO

harmony

Meet our MD Signature Advisors

Dhar Atwal photo
Dhar Atwal
CFA, CFP®

MD Signature Advisor

With 25+ years of experience in financial services, Dhar believes in a holistic approach to financial planning...

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Brian Evans photo
Brian Evans
CFP®, CIM®

MD Signature Advisor

With 20+ years’ experience at MD, including 16 years as a Financial Consultant and five years as a Portfolio...

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Carol A. Fensom photo
Carol A. Fensom
CFA

MD Signature Advisor

With 25+ years of wealth management experience, Carol believes in the importance of tailoring investment solutions...

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David Irwin photo
David Irwin
CFP®, CIM®, FCSI®

MD Signature Advisor

David began his career in 2007 and has spent the last several years at MD as a Senior Financial Consultant and a...

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Paolo Larenza photo
Paolo Larenza
CFP®, CFA

MD Signature Advisor

Over the last 15+ years, Paolo has worked hard to provide solid guidance that helps his clients meet their financial needs...

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Dennis Pon photo
Dennis Pon
CFP®, CFA

MD Signature Advisor

Dennis understands the value of advice, and for 20+ years he’s built tailored investment and risk management...

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Ty Daniel Saunders photo
Ty Daniel Saunders
CFP®, CFA, CIPM®

MD Signature Advisor

For over a decade, Ty has worked diligently to guide clients through his customized financial planning and...

More about Ty

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

1 These percentages are based on the difference in account fees for a client with assets of $2,000,001.00 that are not part of a family pricing plan, versus the same account(s) bundled with family members to reach the $3 million family pricing threshold. Using this example, the savings for MDPIC accounts would be 13%; the savings for MD Plus™ accounts would be 5.9%.

MD Signature Private Wealth Management is a private wealth planning service delivered by and a trade name of MD Management Limited and MD Financial Management Inc.

All banking and credit products and services available through the Scotia Healthcare+ Physician Banking Program are offered by The Bank of Nova Scotia (Scotiabank). Credit and lending products are subject to credit approval by Scotiabank. MD ExO® and MD Plus™ are trademarks of The Bank of Nova Scotia, used under licence.

Pursuits™ is provided for clients of The Bank of Nova Scotia by Ten Lifestyle Group plc, doing business as Ten Group (“Ten Group”). All travel and entertainment services provided through Pursuits will be provided by Ten Group, an independent third party, and not The Bank of Nova Scotia or its affiliates.

The Bank of Nova Scotia and its affiliates do not make any representations, warranties, or guarantees in respect of the services offered by Ten Group, and do not accept any liability for any loss arising from any use of the services offered by Ten Group. Calls to Pursuits are charged at a local rate. Charges for the products or services provided will be notified at the time of booking. Calls may be recorded. Your contact details are held with permission so we can keep you informed of special events and access. They are never passed on to a third party. Pursuits service is made available to clients of The Bank of Nova Scotia for their convenience.

® Registered trademark of The Bank of Nova Scotia, used under licence. Scotia Wealth Management® consists of a range of financial services provided by The Bank of Nova Scotia (Scotiabank®); The Bank of Nova Scotia Trust Company (Scotiatrust®); Private Investment Counsel, a service of 1832 Asset Management L.P.; 1832 Asset Management U.S. Inc.; Scotia Wealth Insurance Services Inc.; and ScotiaMcLeod,® a division of Scotia Capital Inc. Private banking services are provided by The Bank of Nova Scotia. Scotia Capital Inc. is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada.