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Empower your family’s financial future with MD

A tailored suite of services for physician families, helping you navigate and secure your financial future.

Talk to an MD advisor*

Helping you achieve financial success is our priority

At MD Financial Management (MD) our only clients are physicians and their family members, giving us an unparalleled understanding of your family’s circumstances and giving you the opportunity to plan as a family. MD Advisors* are dedicated to building a relationship to establish your personal financial goals based on what truly matters to you.

Why trust MD for all your family’s financial needs?

Competitive family pricing

Our transparent and competitive fees reflect our commitment to your financial success, ensuring you feel confident in the service you receive.

Objective physician-focused advice

Trust an MD Advisor for advice and support, knowing they’ll always act in your best interest with tailored, objective recommendations.

Sophisticated products

Our financial products and solutions are designed to meet your unique financial and personal needs throughout the course of your lifetime.

Unlock personalized financial services and exclusive family benefits

At MD we offer a comprehensive suite of financial services tailored to meet your needs. Benefit from one-on-one advice with a dedicated MD Advisor and a team of specialists who consider every aspect of your financial health. When you sponsor a family member at MD, you unlock exclusive family pricing offers and bundled investment account fees. This simplifies financial planning to enable seamless wealth and estate transfer, targeting significant savings for your family over time.

Financial management

We’ll work with you to create a financial plan that reflects your goals and aspirations, adapting it as the needs of you and your family evolve.

Tax planning

We’ll help you integrate tax planning into your financial strategy, for tax-optimized accounts tailored to your unique life and career goals.

Retirement planning

Let us help you plan for retirement by creating a personalized plan that reflects your career, helping you work toward a fulfilling retirement.

Estate planning

Estate planning clarifies final wishes, preventing confusion. Our specialists will help ensure your assets are distributed as you desire, minimize taxes and transfer assets efficiently.

Incorporation

Forming a medical professional corporation can help manage your debt, expenses and taxes. It’s a significant decision that requires careful consideration, and we’re here to support you every step of the way.

Banking solutions

No matter your career stage, the Scotiabank Healthcare+ Physician Banking Program offers tailored banking solutions with preferred benefits for physicians.

Who is eligible to be an MD client?

If they’re important to you, they’re important to us.

At MD, we believe your family deserves the same exceptional products and services that you enjoy. We understand the uniqueness of your journey, and we’re here to support you every step of the way.

Infographic: family tree Parents and grandparents Siblings and their families Spouse’s siblings and their families Spouse’s parents and grandparents Spouse and children and children’s families
Infographic for mobile: family tree C D B A E
  1. Spouse and children and children’s families
  2. Siblings and their families
  3. Parents and grandparents
  4. Spouse’s parents and grandparents
  5. Spouse’s siblings and their families

Family resources

Navigate estate planning as a blended family

Read article

How finances are different when your spouse is a physician

Read article

My spouse has a six-figure debt. Should we keep our finances separate?

Read article

The Flipside Life is an organization that champions physician families at all stages of training and practice. Its mission is to foster meaningful connection and create a diverse, inclusive community that supports, empowers and enhances the lives of physician families through connection, advocacy, events and education.

“ As the wife of a physician, mother, and advocate for physician family mental health and well-being, I am grateful for the support and expertise of an advisor who truly understands the unique experiences and financial needs of physician families. ”

Hayley Harlock
Founder, The Flipside Life

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