Archive for September, 2026

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 […]

Most business owners insure their building, their equipment, and their inventory without a second thought. Far fewer insure the thing their business actually depends on most: the people who run it. If you or a key partner became critically ill, disabled, or passed away, would the business survive the transition — financially and operationally — […]

Running a dental practice means juggling two very different financial lives at once: the practice’s cash flow and your own personal finances. Equipment loans, staff payroll, lab fees, and lease payments all draw from the same account that eventually pays you — and when cash flow gets tight, it’s tempting to patch the gap with […]

Nobody teaches you money in medical school. You learn anatomy, pharmacology, how to read an EKG under pressure — but not what to do with your first real paycheque, or how a professional corporation actually changes your tax picture. Most physicians and dentists end up piecing their financial plan together in their spare time, usually […]