Comprehensive Financial Solutions for Internationally Trained Physicians
From services to strategies — everything internationally trained doctors need.
Retirement
Planning
Investment
Strategy
Tax Planning
Insurance
Optimization
Financial Life
Planning
Estate & Legacy
Planning
Retirement
Financial Freedom On Your Terms
Retire on your terms with a clear, personalized Financial Life Plan — and the confidence to follow it.
Retirement Income Analysis
Explore the RFL Buckets to align your funds with your goals, your timeline, and your ideal lifestyle.
Long term investment strategies
Grow your portfolio with stable, tax-efficient investments designed to fuel your retirement — not just chase returns.
Tax-free retirement income
Use expert strategies to turn taxable corporate income into tax free retirement income.
Investing
Build Long-Term Wealth
Grow your investments with flat-fee, physician-first portfolios — no commissions, no conflicts.
Tax Free Insurance Wrappers
Let your money grow quietly, tax-free — while supporting your long-term goals.
0% Fee on RFL Wealth Advisory Services
We don’t charge percentage-based fees so you keep more of your returns — potentially saving thousands every year.
Portfolio Analysis & Recommendations
We review your current investments, identify hidden fees, and recommend smarter ways to grow your wealth.
Tax Planning
Your MPC is Your Superpower
Turn your medical corporation into a tax-saving engine and lay the foundation for lifelong wealth.
Corporate and personal tax filing
Enjoy stress-free filing for both your corporation and personal return — in accordance with your MPC and your goals.
Corporate & personal Tax Analysis
We review your entire tax picture to uncover savings opportunities, adjust your strategy, and help you keep more of what you earn.
Tax loss harvesting
Offset gains and reduce what you owe by using losses strategically — without disrupting your long-term investment plan.
Insurance
Cover What Can’t Be Replaced
Safeguard your income and family with coverage that fits — no fluff, no pressure.
Insurance Optimization
We’ll tailor a plan that includes the right mix of insurance to keep your income, family, and future secure. Protecting your most valuable asset.
Your Most Valuable Asset
We assess your risk so your income never misses a beat — because your greatest asset isn’t your home or clinic, it’s you.
Group benefits
Explore cost-effective group benefits for your team or clinic — built to attract, retain, and support those who support you.
Real Estate
Invest in Property or Move Boldly
Plan for that second property, your dream home, or real estate diversification.
Property performance analysis
Understand how your current or future properties are performing — and how they fit into your long-term wealth strategy.
Ownership structuring
We’ll help you choose the most tax-efficient way to own property — whether personally, through your MPC, or via a holding company.
Own your clinic planning
Start building equity in your own space. We’ll help you plan, save, and structure the purchase of your future clinic.
Estate Planning
Pass Down Values, Not Tax Bills
Leave behind clarity, not complexity. Build a legacy that protects what you’ve built.
Estate Planning
Reduce the tax burden on your estate — so more goes to your family, and less to the CRA.
Ownership structuring
Once your plan is in place, we’ll work with your lawyer to ensure your wills and trusts are properly set up and aligned.
Own your clinic planning
We’ll help you set up a family charitable foundation or gifting strategy that reflects your values and vision.
Legacy
Educate & Uplift Your Family
Whether it’s school, support, or security — we help you show up financially for the people you love.
Children’s education
Plan ahead for private school, post-secondary, or supporting children’s future plans — without disrupting your bigger financial picture.
Lifestyle funding
Create a plan that supports the kind of life you want your family to experience — now and in the future.
Budget & cashflow analysis
Legacy starts with structure. We help you manage your cashflow so you can give, grow, and provide — consistently and confidently.
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What does Financial Planning look like at RFL Wealth Management?