There is nothing more essential than the work you do. Thank you.

While you’re focused on the health of your patients, MD Financial Management (MD) and Scotiabank are committed to helping you navigate the effects of the pandemic on your personal and business finances. Visit MD Financial Management’s COVID-19 financial resources page and for the latest news and updates,  and information on relief measures such as the Canada Emergency Business Account.

MD Financial Management provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies. For a detailed list of these companies, visit

At CSIM, together with MD Financial Management (MD), we provide our members with comprehensive financial planning and financial education, as well as other types of support.

MD is the only national financial services firm dedicated exclusively to the financial well-being of Canada’s physicians and their families. With 50 years of experience supporting physicians at every step of their lives and careers, we have an unparalleled understanding of physicians’ financial needs.

MD has the resources, information and tools you need, and understands the challenges facing physicians and physicians in training.

If you’re a physician, contact an MD Advisor near you to find out how MD can help. If you’re a medical student or resident, MD has a team of Advisors and Early Career Specialists dedicated to supporting you.

Expert advice for every stage of your life and career


Paying for medical school
Debt management


Pay down debt or invest
Starting a family
Buying a home


Growing your assets
Retirement planning


Retirement income
Estate planning

Tools and calculators

Banking products and services are offered by The Bank of Nova Scotia “Scotiabank”. Credit and lending products are subject to credit approval by Scotiabank. Insurance products are distributed by MD Insurance Agency Limited. All MD employees dealing with clients regarding insurance products hold life licences. Estate and trust services are offered through MD Private Trust Company.

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, MD Life Insurance Company and MD Insurance Agency Limited). For a detailed list of these companies,