Financial planning guides for Canadian physicians

Clear answers on your Medical Professional Corporation, paying yourself, investing, and planning by province. Start with the Physician Tax Savings Calculator or the corporate tax check-up.

In short: ZAI Wealth Management publishes plain-language financial planning guides for Canadian physicians, covering Medical Professional Corporations, salary versus dividends, the corporate passive income clawback, provincial tax rules and wealth planning for internationally trained doctors. Each guide is written by the ZAI Wealth advisory team and updated as federal and provincial tax rules change.

Core guides

Physician Tax Strategy & Corporate Wealth Planning in Canada

Corporate Wealth Planning for Internationally Trained Physicians

Protect Your MPC from the Passive Income Tax Trap

Provincial guides

British Columbia

Alberta

Saskatchewan

Ontario

Nova Scotia

Newfoundland & Labrador

Corporate investing

Worked Example: How the Passive Income Clawback Can Cost a Physician $48,000 a Year

Why Ordinary Mutual Funds Inside a Medical Corporation Can Create a Hidden Tax Cost

Paying yourself

The "Tax-Free Dividend" Strategy for Canadian MPCs: Fact vs. Fiction

Retirement & exit

Winding Down a Medical Professional Corporation: Retirement, Departure Tax and Liquidation

Corporate structure

Holding Company vs. Medical Professional Corporation: When Does a Holdco Make Sense?

Group Clinics: How to Protect Your Own Small Business Deduction

Buying Your Clinic Building: Why It Usually Shouldn't Sit Inside Your MPC

Selling Your Condo to Your Medical Corporation: Why It Usually Backfires

Retirement planning

Accountant vs. Advisor: The Disagreement Over Individual Pension Plans

New to practice

When Should a New Physician Incorporate? The First-Year Timing Question

Female physicians

The Maternity Leave Tax and Cash Flow Guide for Canadian Female Physicians

Female Physicians and the Wealth Gap: Planning Around Career Breaks

Child Care Deductions for Incorporated Physicians: Getting the Rules Right

Corporate Estate Planning for Single Female Physicians: Avoiding Double Tax

UK doctors in Canada

The NHS Pension Guide for UK Doctors Moving to Canada

The UK ISA and Rental Property Tax Guide for UK Physicians in Canada

From NHS to CCPC: The First-Year Incorporation Guide for UK Doctors in Canada

Talk it through with a physician-focused advisor