Incorporating Your Medical Practice? Here’s How a Section 85 Rollover Protects You From an Unexpected Tax Bill If you’re a Canadian physician or dentist moving from a sole proprietorship into a Professional Corporation (PC), the mechanics of how you transfer your practice’s assets matter just as much as the decision to incorporate itself. Done incorrectly, […]

Own-Occupation Disability Insurance: Why Early-Career Surgeons and Specialists Can’t Rely on a Standard Policy For most Canadian professionals, disability insurance is a box to check during onboarding at a new job. For a surgeon, interventional cardiologist, or specialist dentist, it’s one of the most consequential financial decisions of an entire career — and the standard […]

Every new resident in Canada eventually asks some version of the same question: with a six-figure line of credit balance and a modest resident’s salary, should every spare dollar go toward debt — or should some of it go into a First Home Savings Account (FHSA) while the contribution room is still available? There’s no […]

If you’re a doctor, dentist, or other incorporated professional, the last two weeks brought news worth pausing on. On July 15, the Bank of Canada held its policy rate at 2.25% for a sixth straight decision, and on July 20, Statistics Canada reported that annual inflation cooled to 2.8% in June, down from May’s 3.2%. […]

Between running a practice or business, managing staff, and trying to have a life outside of work, financial planning is often the first thing that gets pushed to next quarter. But for business owners and incorporated professionals in Calgary, a real financial plan is what turns years of hard-earned income into lasting, tax-efficient wealth. Why […]

A simple guide to estate planning for high-net-worth individuals, covering estate freezes, preferred and common shares, Section 85 and 86 rollovers, and trusts. Estate Planning for High-Net-Worth Individuals: A Simple Guide to Estate Freezes If you’ve built real wealth, whether through a business, a professional corporation, or years of smart investing, estate planning stops being […]

Retirement planning for doctors, dentists, and incorporated professionals works differently than a typical 9-to-5. Here’s a simple, practical guide to doing it right. Retirement Planning for Doctors: A Simple Guide for Physicians, Dentists, and Incorporated Professionals If you’re a physician, dentist, or another incorporated professional, here’s something you already know deep down: retirement planning for […]