Physician corporate wealth planning & tax strategy in Toronto
We work with Toronto and Ontario physicians by video, with the same physician-first planning we offer in Saskatoon.
In short: ZAI Wealth Management serves Toronto and Ontario physicians by video and phone, with advisors licensed in Ontario. Planning focuses on Ontario Medical Professional Corporation structure, the CPSO Certificate of Authorization, the province's roughly 11.2% small business rate, salary versus dividends and the passive income clawback.
Financial planning for Toronto physicians
Running a medical practice in Toronto calls for a wealth partner who understands both provincial healthcare rules and local costs, from clinic overhead to group and contract arrangements.
ZAI Wealth Management provides corporate wealth planning, tax strategy and protection planning for specialists, family physicians and surgeons across the Greater Toronto Area and across Ontario.
Ontario physicians practise through a corporation with a Certificate of Authorization from the CPSO. We help you decide when it makes sense and how to run it once it's in place.
Housing costs in the Greater Toronto Area make cash flow planning just as important as tax planning. We build both into one plan, including how salary supports mortgage approval.
- How we meetBy video, anywhere in Ontario
- Head officeUnit 301, 39 23 St E, Saskatoon, SK S7K 0H6
- Phone+1 (800) 647-8656
- Emailinfo@zenithadvisoryinc.com
- Also servingMississauga, Brampton, Hamilton, Ottawa, London, Kitchener-Waterloo and across Ontario
Custom MPC optimization for Ontario doctors
Each province has its own tax rates and corporate rules, which shape how your Medical Professional Corporation should be run.
Built around Ontario's rates
We set up your corporation and your pay to make full use of Ontario's small business rate, with a permit through the College of Physicians and Surgeons of Ontario (CPSO).
Debt & cash flowPaying down debt on purpose
Practice setup loans, clinic space and your mortgage: we plan your draw so debt comes down on a schedule while surplus keeps growing.
TransitionsPlanning your next move
Relocating, retiring or selling your practice, including purification planning if the Lifetime Capital Gains Exemption may apply.
Connect with a ZAI advisor
Don't let an unplanned corporate structure cost you over a whole career. We meet Toronto and Ontario physicians by video, at times that fit clinic and hospital schedules. Book a corporate financial review and start building a tax-efficient plan. Trained abroad? Read our guide for internationally trained physicians.
Common questions
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.
Does ZAI Wealth Management have an office in Toronto?
ZAI Wealth Management does not have a Toronto office; its advisors are licensed in Ontario and meet Toronto and Ontario physicians by video and phone from the firm's Saskatoon head office. Planning for Ontario doctors centres on the Ontario Medical Professional Corporation, the CPSO Certificate of Authorization, the province's roughly 11.2% small business rate versus a 53.53% top personal rate, and the passive income clawback.
Physician wealth planning in Toronto
A 30-minute strategy call. We look at your corporation, your draw, and where tax is leaking. No prep needed.