Archive for September, 2026

If you’re a new grad working as an associate, or a few years into practice and telling yourself you’ll “figure out the money side once I have my own practice” — this post is for you. Dentistry has a financial timeline that looks different from most professions: significant training debt, an associate period with commission-based […]

“Should I incorporate?” is one of the most common questions we hear from physicians and dentists — and the honest answer is almost always “it depends on your numbers,” not a blanket yes or no. What follows is the framework we actually use to answer it, so you can tell roughly where you stand before […]

If you’re a resident, a new grad, or a few years into practice and telling yourself you’ll “get serious about money once things settle down” — this post is for you, because things rarely settle down on their own, and the decisions that matter most are easiest to get right in these first few years. […]

Critical illness insurance is one of the more intuitive tools in a physician’s or dentist’s protection plan: get diagnosed with a covered condition, receive a tax-free lump sum, use it however you need. What trips up even sophisticated, incorporated professionals is the Return-of-Premium (ROP) rider — the add-on that promises to hand back some or […]

Most incorporated physicians and dentists think about how much they’re saving long before they think about where each investment should sit. That’s a mistake. Once you’re running a professional corporation, the account an investment lives in — corporate, personal non-registered, or registered — can change its after-tax return as much as the investment choice itself. […]

Most incorporated physicians and dentists spend real effort deciding what to invest their corporate surplus in — index funds, individual equities, GICs, private placements. Far fewer spend any time deciding where those different investments should sit, or what type of income they generate once inside the corporation. That second question, known as asset location, can […]

Incorporating your practice or business is one of the biggest financial decisions a professional makes — and one of the most misunderstood. Incorporation opens the door to real tax planning opportunities, but only if you actually use the structure deliberately. Too many incorporated professionals leave money in a corporation without a plan, pay themselves inefficiently, […]

“How much does this actually cost?” is one of the most common questions people ask before booking a first meeting with a financial planner — and one of the hardest to answer with a single number, because fee-for-service planning isn’t priced the same way everywhere. Understanding how the pricing actually works makes it much easier […]

If you’re an incorporated professional or business owner in your 40s or older with a stable, high corporate income, you’ve likely heard the term Individual Pension Plan (IPP) mentioned as an alternative to your RRSP. The pitch is usually the same: higher contribution limits, more tax-deferred growth, and creditor protection. What’s often missing is a […]

Dental school leaves most new dentists with two things at the same time: the ability to earn a strong income, and a student debt balance that can easily run into six figures. That combination creates a real temptation — either throw every spare dollar at the debt as fast as possible, or ignore it and […]