Financial peace of mind for the entire family

Physicians take care of our families, so we take care of theirs. We look after your family’s financial well-being so you can all enjoy what matters most to you.

We work with physicians and their extended families

Our only clients are physicians and their families. This gives us unparalleled understanding of your family’s financial circumstances and challenges. With a physician in the family, you have unique needs which present special opportunities to plan as a family. That’s why you have access to MD Financial Management (MD)’s services now and in the future, even if the physician in your family is no longer with MD.

Who qualifies to use our services as a family member?

Extended family who qualify for service at MD include a physician’s:

  • spouse
  • parents
  • children
  • siblings
  • in-laws
  • nephews, nieces
  • grandchildren and great-grandchildren1
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Benefits for the entire family

There’s a benefit to having your entire family at MD, including ease of financial planning, wealth and estate transfer and the ability to take advantage of our family pricing offer, where bundling your MD Private Investment Counsel or MD Plus™ accounts with a family member could lower your investment account fees by as much as 13% (MDPIC) and 5.9% (MD Plus™).2

A suite of financial services in one place

At MD, you have access to one-on-one advice and service from a dedicated MD Advisor2, and a team of specialists who look at all aspects of your financial health. We can help you plan for now and the future. We offer:

An MD Advisor can help you establish your personal financial goals based on what is most important to you, and help you implement a budget and/or debt management plan to get you there.

An MD Advisor will work with you (and/or with your own tax and legal professionals) to help you minimize tax.

An MD Advisor can help you set goals for the retirement you want, determine whether your retirement savings are on track, and establish a plan to ensure your retirement goals are achieved, in the most tax-effective way.

  • Permanent life insurance: MD Insurance Agency Limited Insurance Consultants are committed to finding solutions that will help you build, protect and share your personal and/or corporate assets using various tax-advantaged strategies.
  • Lifestyle protection: An MD Advisor can provide you with information and advice about combining insurance and wealth management solutions.

MD Private Trust Company Estate and Trust Advisors will help you establish a plan to ensure your final wishes are taken care of and that you leave the legacy you desire. MD Private Trust Company offers trustee and executor3 services (including agent for executor).

Many of our physician clients are incorporated. We are experienced in dealing with small businesses, from structuring debt, deciding if/when to incorporate, income planning, and planning for families that own a business.

We understand the challenges — and opportunities — of owning a business in Canada, including the different requirements and tax advantages of corporations in each province and the evolving taxation implications. MD Advisors are trained in incorporation and have specialized financial-planning technology and tools that focus on incorporation decisions. This enables our Advisors to show you how incorporation can affect your financial planning at different stages of your life, what the advantages are, and what you need to be aware of.

We address your unique needs through holistic financial planning that align the personal and corporate components in your financial plan.

We can help you with:

  • integrated personal and corporate financial plans
  • passive-income rules
  • tax reduction through income planning
  • retirement planning
  • corporate-owned investments
  • corporate-owned insurance
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Planning as a family

There’s a benefit to having your entire family at MD, including ease of financial planning, wealth and estate transfer and the ability to take advantage of our family pricing offer, where bundling your MD Private Investment Counsel or MD Plus™ accounts with a family member could lower your investment account fees by as much as 13% (MDPIC) and 5.9% (MD Plus™).4

Our commitment to you is: comprehensive solutions, advice you can trust, and a focus on putting the needs of you and your family first — always.

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Advisors who care about you and your family

Your dedicated MD Advisor will focus on discovering what’s important to you and your family. They will work with you and a team of specialists to develop a plan that will help you meet your own goals and those you share with your family.

What’s new with MD

Go beyond the numbers with our best thinking on investing, personal finance and well-being for physicians.

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Can I book a meeting with someone who can help?

Prefer to talk it through face to face? MD Advisors* would be happy to meet with you.

1 For a detailed list of those who qualify as a "family member" and are eligible to work with MD Financial Management, please contact an MD Advisor.

2 MD Advisor refers to an MD Management Limited Financial Consultant or Investment Advisor (in Quebec).

3 An "executor" is called a "liquidator" in the province of Quebec and an "estate trustee" in the province of Ontario.

4 Family pricing is offered on MD Private Investment Counsel and MD Plus™ accounts. 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 Advisor refers to an MD Management Limited Financial Consultant or Investment Advisor (in Quebec), or an MD Private Investment Counsel Portfolio Manager.