Professionals
Planning built for incorporated professional practices
Professionals often carry high income, significant training debt, a professional corporation and limited time. The planning has to be efficient and it has to account for all three.
Who we work with
Common practice types
Physicians & surgeons
Corporate structure, income smoothing, disability coverage sized to real earnings and retirement funding without a workplace pension.
Dentists
Practice financing, associate-to-owner transitions, equipment cycles and eventual practice sale.
Lawyers & accountants
Partnership income, professional corporations and partner buy-in or exit funding.
Engineers & consultants
Contract income variability, incorporation decisions and personal coverage where no group plan exists.
Veterinarians & optometrists
Clinic ownership, staff benefits and succession to an associate.
Residents & new practitioners
Debt sequencing, first coverage decisions and building a plan before income grows.
What we focus on
Own-occupation disability
For most professionals, the ability to practise is the largest asset. Coverage definitions matter more than price.
Corporate versus personal
Where savings should be held, and how compensation is structured — with your accountant.
Practice transition
Buying in, buying out, or selling to an associate, and funding the transaction.
Time-efficient reviews
Structured annual reviews rather than open-ended meetings.
Speak with an advisor who works with professionals
Tell us your practice type and stage and we'll match you appropriately.
Investco Financial does not provide legal, accounting or practice valuation services. Professional corporation structures should be established and maintained with your lawyer and accountant.