Physicians, thank you for taking care of Canada.

MD Financial Management (MD) and Scotiabank are here to help you and your family whenever they can and are committed to protecting everything you’ve worked so hard to achieve.

Visit MD’s COVID-19 financial resources page to learn more.

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


À tous les médecins : merci de prendre soin de la population canadienne

Gestion financière MD (MD) et la Banque Scotia sont là pour vous aider, vous et votre famille, et elles sont déterminés à protéger le fruit de votre dur labeur.

Vous voulez en savoir plus? Visitez la page COVID-19 : ressources financières pour les médecins canadiens sur le site de MD.

Gestion financière MD offre des produits et services financiers, la famille de fonds MD et des services-conseils en placement par l’entremise du groupe de sociétés MD. Pour obtenir une liste détaillée de ces sociétés, veuillez consulter notre site à l’adresse


At FMWC, 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, MD has an unparalleled understanding of physicians’ financial needs.

Female physicians have distinct financial planning issues to consider. In general, women live longer than men do (83 versus 79 years[1]) and are more likely to take time out of their careers for maternity leave and child care.

These two factors mean that female physicians often have fewer earning years than their male counterparts. They need to plan for increased savings or retirement funds. 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.

Advice for every stage of your life and career

Student Resident Practising  Retired
  • Budgeting
  • Paying for medical school
  • Debt management
  • Pay down debt or invest
  • Starting a family
  • Buying a home
  • Incorporation
  • ·Growing your assets
  • Retirement planning
  • Insurance
  • Retirement income
  • Estate planning


Tools and calculators

Cash Flow Calculator Life Insurance Calculator
Compound Growth Calculator Net Worth Calculator
Disability Insurance Calculator Rent or Buy


[1] Statistics Canada.
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, visit MD Financial Management provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies.
MD Management Limited was the first of the MD Group of Companies to be founded in 1969. MD Financial Management Inc. wholly owns MD Management Limited. For a detailed list of the MD Group of Companies, visit
*MD Advisor refers to an MD Management Limited Financial Consultant or Investment Advisor (in Quebec), or an MD Private Investment Counsel Portfolio Manager.