Professionals
Advice built around a medical practice
Physicians earn late, earn well and carry an unusual amount of personal risk. The planning that follows is less about picking products and more about the order in which money moves.
Where we help
The recurring questions
Salary, dividends or both
Compensation structure drives RRSP room, CPP, corporate tax and how much stays invested inside the corporation.
- RRSP room
- Corporate retained earnings
- Family compensation
Corporate investing
Investing inside a medical professional corporation has its own tax mechanics — passive income rules, integration and account structure.
- Passive income limits
- Corporate class structures
- Insurance-based options
Income protection
An own-occupation disability definition matters more for a physician than almost any other client we work with.
- Own-occupation coverage
- Overhead expense
- Critical illness
By career stage
Where are you today?
Talk to an advisor who works with physicians
Bring your corporate statements and last return — most of the answers are in there.
Investco Financial is licensed in British Columbia and Alberta for insurance and related financial services. Information on this page is general in nature and is not individual advice. Coverage, eligibility and tax outcomes depend on your own circumstances and the terms of the contracts issued.