Personal Financial Planning
Cash flow, savings, and goal-setting alongside a demanding career and a variable or incorporated income.
For Professionals
Financial Planning for Dentists, Physicians, Physiotherapists, Psychologists and Other Healthcare Professionals
Clear, holistic financial planning for professionals balancing a demanding career, a practice or professional corporation, and long-term personal goals.
Focus Areas
What this planning can help clarify.
Business Protection
Income interruption, key-person risk, and buy-sell considerations if you own or co-own a practice.
Corporate Benefits
Reviewing group benefits and how they fit alongside any personal or corporate-owned coverage.
Insurance Planning
Life, disability, and critical illness coverage reviewed against your actual income, debt, and dependents.
Retirement Planning
Registered accounts, corporate retained earnings, and long-term income planning for professionals without a workplace pension.
Estate Planning
Coordinating beneficiaries, corporate structure, and life insurance for incorporated professionals.
Investment Planning
Connecting personal and, where relevant, corporate investment decisions to your broader goals.
Planning For Incorporated Professionals
Thinking through how salary, dividends, and retained earnings inside a professional corporation affect personal planning.
Related
Explore related planning topics.
Insurance & Protection Planning
Life, disability, critical illness, and business protection basics.
Retirement & Investment Planning
Registered accounts, income sources, and long-term planning.
Small Business Planning
Connecting practice and personal finances, including succession.
Related reading: Corporate life insurance & estate tax liquidity · Corporate insurance & business continuity
Questions
Questions this can help answer.
Do you work specifically with dentists, physicians, physiotherapists, and psychologists?
Yes — professionals across these fields often share similar planning questions: incorporated income, business protection, and coordinating personal and corporate finances. Planning starts with your specific situation, not a one-size-fits-all package.
I have a professional corporation. Does that change how planning works?
It can. Salary versus dividends, retained earnings, and corporate-owned insurance are all things that may be worth reviewing alongside your personal plan. A conversation can help identify what applies to your structure.
Do I need to already have a corporation or established practice to start?
No. Many professionals start this conversation early — while still employed, just starting a practice, or considering incorporation — so a plan can grow alongside the practice rather than catching up later.
Is the first conversation really free?
Yes. The first session is a complimentary 30-minute discovery and strategy conversation, with no pressure or obligation.
Ready for a conversation about your practice and your plan?
No unsupported claims, no pressure — just a clear look at how your income, protection, and goals fit together.