I help incorporated doctors, dentists and business owners in Calgary turn a demanding career into a tax-efficient, well-protected, fully-funded retirement — without adding another thing to your plate.
Most financial advice is generic. Physicians and dentists face specific decisions at specific points — incorporation timing, debt-versus-investing tradeoffs, income splitting, practice sale. Here’s where I typically step in.
You’re carrying student debt, figuring out cash flow on a resident’s or new grad’s income, and wondering whether an RRSP is even the right place to start. We build the budget and tax-planning foundation before the harder decisions arrive.
Should you incorporate now or wait? Should you use a corporation and family trust? How do you plan for a future practice purchase while still protecting your income if something happens to you? This is where a coordinated strategy starts paying for itself.
Income splitting, corporate-owned insurance, tax-efficient investment holding structures, and creditor-proofing your assets. Your accountant, lawyer and I work as a team so your corporate strategy and your personal plan pull in the same direction.
Practice transition or sale, corporate wind-down, estate and legacy planning, and converting your assets into reliable income — mapped out well before your last day of practice, not scrambled together at it.
Each on its own is useful. Together, they’re what actually protects and grows what you’ve built.
Corporate and personal retirement income planning that accounts for your practice, your investments, and the after-tax dollars you’ll actually live on.
Wills, trusts and estate strategy coordinated with your lawyer so more of what you’ve built goes where you intend it to.
Disability, critical illness, and life insurance — personal and corporate-owned — structured to protect your practice and your household if the unexpected happens.
Income splitting, holding company structures, and investment strategies designed specifically for incorporated professionals.
A free, no-obligation conversation about where you are and what you’re trying to solve.
I map your full financial picture — corporate and personal — into one coordinated strategy.
I work directly with your accountant and lawyer so every recommendation fits your full situation.
Your plan is reviewed and adjusted as your practice, income and goals evolve.
An early-career dentist who opened a new clinic in Calgary. She needed a financial plan that understood the realities of running a practice — not generic advice.
Navigating Canada’s financial system as a physician. Working together brought clarity to his taxes, his corporation, and his investments.
Depending on the service, I’m compensated by fee, by commission when insurance or investment products are involved, or a combination of both. What matters is that you’ll always know upfront exactly how I’m paid and why a recommendation is being made, before you decide anything.
The earlier the better, ideally in residency or your first year of practice. Decisions made early about incorporation, debt repayment order, and insurance are far cheaper to get right the first time than to fix later.
Incorporated physicians, dentists and business owners are our core specialty because corporate structures create planning opportunities that generic advice misses, but we work with professionals at every stage, including those not yet incorporated.
It depends on the service. Planning work is fee-based, and where insurance or investment products are involved, I may also be compensated by commission. Either way, you will always know upfront exactly how I am paid before we move forward, so there are no surprises.
Yes. We offer both in-person meetings at our Calgary office and virtual consultations by video call, whichever fits your schedule.
Your accountant files taxes and reports on what already happened. A financial planner builds the forward-looking strategy, retirement, estate, insurance and investment decisions, and works alongside your accountant and lawyer as a team so the plan and the paperwork stay aligned.
A free, no-obligation consultation is the first step. In-person at our Calgary office, or virtual — whichever works for your schedule.
