Integrated Advice. Private Client Clarity.

Financial planning for physicians, business owners, and families with complexity.

We are an independent, fee-only, advice-only planning practice for physicians at every stage, from residency and locum work to incorporated practice and retirement. We help coordinate investments, tax, cash flow, retirement income, and family planning so you can make confident decisions and keep your plan current year after year.

Get Started Explore Services

Who We Work With

Built for complex financial lives.

For physicians and clients whose personal, corporate, tax and estate decisions need to work together.

Physicians

Doctors at every stage, from residency and locum work to incorporated practice, making compensation, tax, corporate investing, practice-model and retirement-income decisions.

Planning for physicians ->

Business owners

Owners and families coordinating corporate assets, tax, succession, estate planning and intergenerational wealth while protecting family harmony and after-tax wealth.

See the services we offer

The Missing Piece

Who is coordinating the whole financial picture?

Many physicians and business owners have capable professionals around them: an accountant who handles tax filings, and often an investment advisor or self-directed account.

But often, no one is planning the personal and professional financial future together beyond the next quarter or the next year. That is where we add value: a clear picture of where you are, what you can afford, what tradeoffs matter, and what decisions should be made next. Done well, planning can more than pay for itself through better investment decisions, tax efficiency, cash-flow coordination, and a deeper understanding of the government programs available to you.

Planning that connects the pieces

Personal cash flow and corporate cash flow in one view
Salary, dividends, RRSP room, CPP and retained earnings coordinated together
Investments, tax, retirement income and estate decisions aligned to one plan
Clear next steps for what to do now, what to defer and what to revisit each year

Financial Planning

We answer the questions that get more expensive when they drift.

Whether you are training, building a practice, working locums or contracts, running a corporation, growing a business, or preparing for retirement, we connect the decisions that are usually reviewed in isolation: cash flow, tax, investments, insurance, retirement income, estate planning and family goals.

Book with Us

As a resident or new physician, how much should I save, repay, insure and invest while income is changing?
As a locum, contract or fee-for-service physician, how do I plan for uneven income, taxes and benefits?
When does incorporation make sense, and how should salary, dividends, RRSP room and CPP be coordinated?
How much cash should stay in the corporation, and when should money move personally?
Should corporate retained earnings be invested, used for debt repayment, or set aside for future flexibility?
For business owners, how do personal spending, corporate cash flow, tax installments and retained earnings fit together?
How do we prepare for a sale, succession, slowdown or transition out of the business?
How do we coordinate CPP, OAS, RRSP/RRIF, corporate withdrawals and non-registered investments in retirement?
What tax, insurance and estate decisions should be handled before they become urgent?
How do we support family goals, protect after-tax wealth, and pass assets on fairly?

How We Work

A plan to start, and a partner for the years ahead.

Great financial decisions aren't made once. We begin with a comprehensive plan, help you put it in place, then stay alongside you as life, markets and tax rules change.

Step 01 - Plan

Build the roadmap

A comprehensive, holistic plan covering income, tax, investments, risk and estate - so every part of your situation works in sync.

Step 02 - Implement

Put it in motion

We translate the plan into clear, prioritized actions, explained in plain language so you know exactly what to do and when.

Step 03 - Ongoing

Stay on course

Life changes, and so should your plan. We review annually, fine-tune your income and tax strategy, and answer your questions year after year.

Explore ongoing planning

Your Personal Dashboard

A living dashboard, built around your plan.

Every client of ours gets a private, interactive dashboard - your personal and corporate financial future in one place, that you can actually explore. Drag through the years and watch income, taxes, withdrawals, government benefits, estate values and net worth update in real time.

Year-by-year slider, see any year of your plan instantly
Live cash-flow view showing salary, dividends, withdrawals and personal spending
Net-worth trajectory across personal, registered, non-registered and corporate assets
Tax, CPP, OAS, corporate assets and after-tax estate projections, updated for every year
Upcoming milestones, annual highlights, and your full report and commentary in one place

See your plan come to life

2026AGE 59

Working

Net Worth

$1.35M

Total Income

$105K

Income Tax

$23K

Net Worth Trajectory

Real Results

The value of a plan, made visible.

Each client's situation is different and results vary. Here is what one recent plan delivered for a couple.

$358,645Net lifetime benefit

$173,645Lifetime tax reduced

$185,000Extra from CPP/OAS timing

2 yearsRetired earlier than expected

See the full case study ->

In Their Own Words

Trusted by people just like you.

We would like to thank Ken Doll for the professional manner in which he handled our financial planning. The results of his hard work will allow us to make the right decisions we need ... We would highly recommend Ken.

- Dr. Wendell & Mrs. Jeanine Olsen

Read all testimonials