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Thoughtful planning from MD Financial Management can help you do it.

Count on us for financial advice that’s right for physicians and their families.

Did you know?1

  • Physicians with retirement plans far outpace their peers in savings.
  • Physicians who plan earlier do better and save more.
  • Having a retirement plan creates peace of mind.

Talk to us today about how planning earlier can help you achieve your retirement and financial goals faster.


RRSP contribution room

Contribute 18% of your 2018 earned income (up to a maximum of $26,500, plus any unused contribution room from previous years, less your 2018 pension adjustment if applicable).


TFSA contribution room

Contribute up to $6,000 for 2020 and top up any unused amounts from past years (up to $69,500).

Are you getting the most out of your registered retirement savings plan (RRSP) and tax-free savings account (TFSA)?

RRSP benefits

  • Reduce your taxable income.
  • Harness the power of compound growth.
  • Withdraw from your RRSP to buy your first home.
  • Contribute to a spousal RRSP to reduce your combined tax burden.
  • Help mitigate the impact of passive income rules for affected incorporated physicians.

TFSA benefits

  • Save for your individual goals in the most tax-efficient manner at all stages of life.
  • Enjoy tax-free growth, tax-free withdrawals and tax-free transfers to your beneficiaries.
  • Withdraw from your TFSA to buy your first home.
  • Complement your retirement savings and corporate investments.
  • Expand opportunities for income splitting with your spouse, children and parents.

Plan to save more.

One of the simplest and soundest paths to successful planning is to invest early and often, throughout the year and right now — in your RRSP and TFSA. Don’t wait for the March 2, 2020, RRSP deadline — put time on your side by investing today.

The MD difference

  • 50 years of helping physicians reach their financial goals2
  • A wealth of expertise and insight — making us the financial-planning leader for Canadian physicians like you
  • Our Advisors work primarily on salary — and are not paid any commissions for selling one investment product over another
  • Some of the lowest fees in Canada3

How to maximize your RRSP and TFSA contributions and prepare for retirement

Contact an MD Advisor today

Your MD Advisor is here to help with all your financial needs.

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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.

1 MD Physician Retirement Readiness Study, 2018.

2 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

3 MD Financial Management compared the management expense ratio (MER) for MD mutual funds and MD Precision Portfolios™ with the average mutual fund MERs for comparable funds, using data from Strategic Insight as of December 31, 2018. MD Series A MERs are on average 29% lower than the industry average. MD Series F MERs are on average 49% lower than the industry average. MD Series D MERs are on average 11% lower than the industry average.