Financial Resources
CAPD is graciously supported by the following organizations who offer financial services.
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MD Financial Management
Through the Canadian Association of Physicians with Disabilities’ partnership with MD Financial Management (MD) and Scotiabank Healthcare+, you get access to a combination of MD’s unparalleled understanding of physicians’ financial needs and Scotiabank’s deep banking expertise.
The result is a robust suite of comprehensive financial services tailored specifically to physicians’ needs and circumstances, and includes:
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MD Financial Management’s comprehensive financial planning
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Scotiabank Healthcare+ Physician Banking Program, which provides tailored advice and banking solutions geared to the needs of physicians and medical learners
And together, MD and Scotiabank have established Medicus Pension Plan™, the first multi-employer pension plan for Canada’s incorporated physicians.
With more than 50 years of experience supporting physicians, MD is the only national financial services firm dedicated exclusively to the financial well-being of Canada’s physicians and their families. A leading bank in the Americas, Scotiabank helps its customers, their families and their communities achieve success through a broad range of advice, products and services.
>If you’re a physician or family member: Contact an MD* or Scotiabank advisor to find out how they can help.
>If you’re a medical student or resident: Contact MD’s team of Advisors and Early Career Specialists, who are dedicated to supporting you.
Resources
Medical school cost calculator
Medicus pension benefit estimator
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*MD Advisor refers to an MD Management Limited Financial Consultant or Investment Advisor (in Quebec), or an MD Private Investment Counsel Portfolio Manager.
Medicus Pension Plan™ is a trademark of The Bank of Nova Scotia (Scotiabank), used under licence. Scotiabank is the sponsor of the Medicus Pension Plan, which is a registered pension plan and is registered under the Pension Benefits Act (Ontario) and the Income Tax Act (Canada). To determine if the Medicus Pension Plan is appropriate for your retirement planning needs and retirement income objectives, please consult with a financial advisor.
A Medicus Pension Plan is eligible for incorporated physicians. Please refer to medicuspensionplan.com for a current list of eligible provinces.
All banking and credit products and services available through the Scotiabank Healthcare+ Physician Banking Program are offered by The Bank of Nova Scotia (Scotiabank). Credit and lending products are subject to credit approval by Scotiabank. ®Registered Trademark of The Bank of Nova Scotia, used under licence.
All insurance products are sold through Scotia Wealth Insurance Services Inc., an insurance agency and subsidiary of Scotia Capital Inc., a member of the Scotiabank group of companies. When discussing life insurance products, advisors are acting as Insurance Advisors (Financial Security Advisors in Quebec) representing Scotia Wealth Insurance Services Inc.
The information contained in this document is not intended to offer foreign or domestic taxation, legal, accounting or similar professional advice, nor is it intended to replace the advice of independent tax, accounting or legal professionals. Incorporation guidance is limited to asset allocation and integrating corporate entities into financial plans and wealth strategies. Any tax-related information is applicable to Canadian residents only and is in accordance with current Canadian tax law including judicial and administrative interpretation. The information and strategies presented here may not be suitable for U.S. persons (citizens, residents or green card holders) or non-residents of Canada, or for situations involving such individuals. Employees of the MD Group of Companies are not authorized to make any determination of a client’s U.S. status or tax filing obligations, whether foreign or domestic. The MD ExO® service provides financial products and guidance to clients, delivered through the MD Group of Companies (MD Financial Management Inc., MD Management Limited, MD Private Trust Company and MD Life Insurance Company). MD Management Limited was the first of the MD Group of Companies to be founded, in 1969. For a detailed list of these companies, visit md.ca. MD Financial Management provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies and Scotia Wealth Insurance Services Inc.
