Financial Planning for Canadian Physicians
Your income has grown.
Has your financial strategy grown with it?
Your professional corporation. Personal and corporate investments. Taxes. Retirement. Your family. Your estate.
We help Canadian physicians bring the pieces together into one coordinated financial strategy.
No obligation. Start with a conversation about where you are, what you’ve built and where you want to go.
Earning more doesn’t automatically make your financial life simpler.
For many physicians, the challenge isn’t earning enough.
It’s figuring out what to do with what you’ve built.
You may have money accumulating inside your professional corporation while also investing personally through accounts such as your RRSP and TFSA.
Your accountant handles the tax side. Your investments may be doing fine.
But there’s still a bigger question:
Is everything actually working together?
Does any of this sound familiar?
“I have money accumulating in my corporation. What should I be doing with it?”
“Should I be investing personally, corporately, or both?”
“How much will I actually need before I can comfortably step away from medicine?”
“I have an accountant and investments, but who is looking at my entire financial picture?”
Your finances shouldn’t operate in separate boxes.
We start with your entire financial picture. Not with a product, one account or one isolated decision.
Corporate Wealth Planning
Your professional corporation adds another layer to your financial life.
We help you look at your corporate wealth alongside your personal finances and long-term goals.
What is the money you’re building ultimately meant to do for you and your family?
Personal & Corporate Investment Planning
Your investments shouldn’t be viewed account by account.
We look at your personal and corporate investments together, considering your goals, time horizon and risk tolerance.
Tax-Aware Wealth Planning
Financial decisions can have tax consequences long before it’s time to file a return.
We consider those implications as part of the planning process and work alongside your accountant where appropriate.
Retirement & Financial Independence
Retirement doesn’t have to mean completely leaving medicine.
Maybe you want fewer shifts, more freedom, or the ability to practise because you want to, not because you need the income.
The bigger question: When does work become optional?
Estate & Legacy Planning
Eventually, wealth becomes about more than accumulation.
We help you consider what you want your wealth to accomplish for your family, future generations and the causes that matter to you.
Already have an accountant?
Good. We’re not looking to replace them.
Your accountant plays an important role in your corporation and tax affairs.
Financial planning asks a different set of questions:
- How should your personal and corporate wealth work together?
- Are your investments aligned with what you’re trying to accomplish?
- What does financial independence actually look like for you?
Where appropriate, we work alongside your accountant and other professionals.
You don’t need more professionals working separately.
You need the right professionals working together.
This conversation may be for you if…
- You have money accumulating inside your professional corporation.
- Your income has grown significantly, but your financial strategy hasn’t changed much.
- You’re investing personally and corporately and want a more coordinated approach.
- You’re starting to think seriously about financial independence.
- You already have an accountant but want someone looking at your broader financial picture.
Meet Reynolds Edokpayi
Financial Advisor | Wealth & Legacy Strategies
Reynolds works with physicians, professionals, business owners and families who want greater clarity around the wealth they’re building.
His approach begins with understanding the person behind the numbers.
- What are you building?
- What does financial independence mean to you?
- What matters to your family?
- What do you want your money to make possible?
Because two physicians earning the same income can have completely different priorities.
Their financial strategies shouldn’t look exactly the same either.
Licensed Financial Advisor • Canadian-based • Works with incorporated professionals • ZAI Wealth Management
What happens when we meet?
Understand
We start with your career, family, corporation, investments and what you’re trying to accomplish.
Identify
We look at what’s working and where there may be gaps, unanswered questions or opportunities worth exploring.
Decide
If ZAI can help, Reynolds will explain what working together could look like. You decide whether you’d like to continue.
Frequently Asked Questions
Do I need to have a professional corporation?
No.
Physicians at different stages of their careers have different planning needs. If you’re not incorporated, the conversation can focus on the financial decisions relevant to your current situation.
I already have an accountant. Does that matter?
Not at all.
We’re not looking to replace your accountant.
Where appropriate, financial planning can complement the work your accountant is already doing by looking more broadly at your investments, long-term objectives, retirement planning and overall wealth strategy.
I already have investments. Do I need to move them?
Not simply to have a conversation.
The starting point is understanding what you currently have, why you have it and whether it still aligns with your broader objectives.
Is the first meeting a commitment to work with ZAI Wealth?
No.
The first conversation is an opportunity to understand your situation and determine whether there’s a good fit.
If there’s an opportunity for us to help, we’ll explain what the next steps could look like. You decide whether you want to continue.
One career. One family. One financial picture.
Your corporation shouldn’t have one strategy while your personal investments have another and your long-term goals sit somewhere in the background.
Bring the pieces together. Let’s talk about what you’re building.
Book Your Financial Planning ConversationPrefer to talk first? Call 1 (800) 647-8656.