Our medical wealth specialists
ZAI Wealth Management, a division of Zenith Advisory Inc., is built around one idea: a physician's finances work differently from anyone else's.
In short: ZAI Wealth Management is a team of licensed financial advisors who work only with physicians. Every doctor who works with ZAI Wealth has a dedicated advisor who knows their file, backed by the whole team's experience with Medical Professional Corporations, corporate tax planning and insurance structuring. The firm is a division of Zenith Advisory Inc., based in Saskatoon, Saskatchewan, and serves physicians in nine provinces.
Built for physicians
Cookie-cutter wealth plans routinely miss what matters to doctors: professional corporations, provincial billing, and career timelines that often start later than most.
We specialize in connecting medical practice with smart corporate financial planning, for two groups: Canadian-trained physicians growing established practices, and internationally trained physicians (IMGs) building their careers across Canada.
Based in Saskatoon, we have worked with 50+ internationally trained physicians across Canada.
Our advisors
ZAI Wealth Management is a team of licensed advisors. Every physician we work with has a dedicated advisor who knows their file, backed by the whole team's experience with professional corporations, tax planning and insurance.
Financial expertise for medicine
We bring together corporate tax planning, estate planning and insurance strategy, and we work alongside your accountant and lawyer. Think of us as the CFO for your household and your practice, not just someone managing a portfolio.
We know the challenges physicians face: leaving residency, managing assets in more than one country, keeping corporate investments from eroding your small business rate, and planning years ahead for the eventual sale or transition of your practice.
Our core commitments
Built for MPCs
Every plan is designed around the rules that govern Medical Professional Corporations, not adapted from a generic template.
Aligned with CRA rules
We keep plans in step with current Canada Revenue Agency rules, including traps like the tax on split income (TOSI).
Clear, direct guidance
Your practice runs on trust. We give straightforward advice focused on growing your family's net wealth.
How we work
Strategy call
We look at your goals, your corporation and where the biggest opportunities are.
Your financial plan
Tax strategy, investing, insurance, retirement and estate planning, tailored to your income structure.
Ongoing support
Annual reviews and updates as your career and family change.
Common questions
Who does ZAI Wealth Management work with?
ZAI Wealth Management works with physicians across Canada, with a particular focus on internationally trained doctors. Clients include physicians who are already incorporated and those deciding whether to set up a Medical Professional Corporation. The firm has served more than 50 internationally trained physicians and serves doctors in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland & Labrador.
Will ZAI Wealth work with my accountant?
Yes. ZAI Wealth Management works alongside each physician's accountant and lawyer so the tax plan, legal structure and financial plan fit together. The firm does not replace an accountant; it coordinates with them on salary versus dividend decisions, corporate investing and incorporation timing.
Which provinces does ZAI Wealth serve?
ZAI Wealth Management serves physicians in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland & Labrador. Advisors are licensed in Saskatchewan, Alberta and Ontario, and the firm meets doctors in person in Saskatoon and by video everywhere else.
How is ZAI Wealth different from a bank or a general financial advisor?
ZAI Wealth Management works only with physicians, so the planning starts from the realities of a medical career: a Medical Professional Corporation, a late start for internationally trained doctors, irregular billings, and provincial rules such as Ontario's CPSO Certificate of Authorization. Many general advisors charge 1% to 2% of assets every year; ZAI Wealth charges no out-of-pocket planning fee.
Talk it through with a physician-focused advisor
A 30-minute strategy call. We look at your corporation, your draw, and where tax is leaking. No prep needed.