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A plan that connects every decision.

Financial
Planning

Our five-pillar framework keeps your finances coordinated and up-to-date.

  • Pay-yourself-first system with automated transfers on every pay cycle.
  • Right-sized emergency reserve (6 - 12 months for physicians/practice owners).
  • Smart debt strategy (rate-order payoff, refinance, and LOC discipline).
  • Separate “big-ticket” sinking funds (tax, vacations, vehicles, renovations).
  • Practice cash buffer for payroll, rent, and supplier timing.
  • RESP/education funding plan without starving retirement savings.
  • Needs analysis for life, disability, critical illness, health/dental, long-term care.
  • Policy design: term vs permanent, riders, and conversion paths.
  • Personal vs. corporate ownership and beneficiary alignment.
  • Integration with wills and shareholder/buy-sell agreements.
  • Annual review for coverage amounts as income, debt, or family changes.
  • Claims and paperwork support when you need it most.
  • Salary/dividend mix optimized with your accountant.
  • RRSP/TFSA timing and deduction strategy; RRSP ↔ RRIF roadmap.
  • IPP/PPP evaluation for incorporated professionals.
  • Surplus extraction & corporate planning (CDA/RDTOH, holdco use).
  • Income-splitting opportunities (spousal RRSPs, prescribed-rate loans, trusts).
  • Charitable giving & medical expense strategies to reduce lifetime tax.
  • Evidence-based asset allocation matched to risk capacity and goals.
  • Asset location across RRSP/TFSA/RRIF, non-registered, and holdco accounts.
  • Disciplined rebalancing and fee-transparent implementation.
  • Contribution schedule and “buy the dip” rules to avoid timing mistakes.
  • Retirement drawdown sequencing (RRIF, TFSA, non-reg; CPP/OAS coordination).
  • Written Investment Policy Statement (IPS) to keep decisions consistent.
  • Up-to-date Wills and Powers of Attorney; digital estate checklist.
  • Beneficiary designations reviewed (registered plans, insurance, contingent).
  • Estate liquidity plan (e.g., joint-last-to-die) to fund taxes and legacies.
  • Probate and tax-minimization tactics (named beneficiaries, secondary wills, rollovers).
  • Trusts where appropriate (family, alter-ego/joint partner) and guardianship notes.
  • Business succession and buy-sell funding aligned with shareholder agreements.

Grow and protect wealth – tax-first, goal-driven.

Wealth
Management

We construct evidence-based portfolios and plan contributions/withdrawals across registered and non-registered accounts to minimize lifetime tax.

RRSP

Pre-tax savings, tax-deferred growth.
Use RRSPs in peak-income years to lower taxes now and grow faster inside the plan. We’ll size contributions, pick diversified mandates (or GIC ladders), and plan the conversion to RRIF at 71 – coordinating spousal RRSPs for income splitting.
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TFSA

After-tax savings, tax-free growth.
Your flexible, tax-free bucket for opportunities and early-retirement bridging. We align TFSA risk to your goals so gains and withdrawals stay tax-free, and we coordinate room tracking with your other accounts.
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RRIF

Turn savings into a paycheque.
Your RRSP in “income mode.” We map withdrawals, minimums, and withholding; sync timing with CPP/OAS; and manage sequencing to reduce clawbacks and taxes – while keeping your portfolio aligned to longevity and cash-flow needs.
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Non-Registered

Flexible investing outside registered plans.
Build after-tax wealth with attention to asset location, capital-gains deferral, and T-slip management. We can use corporate-class solutions and disciplined rebalancing to improve after-tax returns – especially for holdcos.
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Protect what enables your future

Risk
Management

Your greatest asset is your ability to earn and provide. We design coverage that fits your life stage, corporate structure, and cash-flow – so risk never derails the plan.

Life Insurance
  • Estate liquidity & tax-efficient transfer
  • Income replacement & debt payoff
  • Term vs. permanent strategy with conversion paths
  • Personal vs. corporate ownership & beneficiary review
  • Integration with wills/shareholder agreements

Term Life

Budget-friendly coverage for time-bound needs (mortgage, dependents, locum debt) with conversion options later.

Whole Life (par)

Lifetime protection plus participating cash values for long-term estate and philanthropy goals.

Universal Life

Flexible premiums and investment choices to tailor protection and tax-sheltered growth.

Joint-Last-to-Die

Efficient estate tax funding for couples and corporate succession plans.

  • Own-occupation disability income protection
  • Critical illness lump-sum for recovery time & care
  • Extended health & dental beyond provincial plans
  • Long-term care for support and independence
  • Business Overhead Expense to keep clinic costs paid

Disability Insurance

Replace a portion of income if you can’t work. Options for own-occupation definitions, partial/residual benefits, and indexing.

Critical Illness

One-time benefit on covered diagnoses to fund treatment, time off, or debt reduction – paid regardless of actual expenses.

Extended Health & Dental

Drug, paramedical, vision, and routine dental coverage tailored for families and incorporated professionals.

Long-Term Care / BOE

Monthly benefit for home or facility care; BOE covers clinic rent, staff, and utilities while you recover.

  • Emergency medical & evacuation
  • Trip interruption/delay coverage
  • Baggage loss or damage
  • Visitor & Super Visa compliant plans
  • Student coverage for study periods

Out-of-Province Emergency

Hospital, physician, and evacuation coverage when your provincial plan is out of bounds.

Visitor to Canada

Required medical protection for visitors and new arrivals; flexible lengths and limits.

Super Visa Insurance

Meets IRCC coverage requirements for parents and grandparents with annual renewable options.

Student Plans

Health coverage for international or out-of-province students during academic terms.

  • Own-occupation definition tailored to your specialty
  • Residual/partial benefit for reduced hours or duties
  • Elimination period & benefit period sized to your emergency fund
  • Cost-of-living indexing (COLA) to keep benefits in step with inflation
  • Future Increase Option to raise coverage without new medicals
  • Business Overhead Expense to keep clinic rent, staff, and utilities paid

Own-Occ Disability

Specialty-specific protection that pays when you can’t perform the duties you’re trained for.

Residual / Partial

Benefits for income drops from reduced hours or responsibilities, not just total disability.

Riders & Options

COLA, FIO, catastrophic, regular occupation, student/resident discounts – configured to your career path.

Business Overhead Expense

Reimburses practice expenses monthly while you recover so your business is there when you return.

  • Comprehensive condition list with partial payouts for early-stage events
  • 30-day survival period and waiting-period options explained clearly
  • Return of Premium on death or at expiry if you don’t claim
  • Multiple-event/reset riders to keep protection after a claim
  • Child & family CI with conversion options
  • Corporate/funding uses for key-person or buy – sell needs

Standalone CI

One-time benefit you can direct to care, recovery time, or travel – paid regardless of actual expenses.

CI+Return of Premium

Get premiums back on death or at policy end if there’s no claim; builds commitment to the plan.

Family/Child CI

Affordable protection for children with future conversion to adult coverage.

Key-Person / Buy – Sell CI

Business-owned CI to protect cash flow, replace a key producer, or fund shareholder agreements.

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