MD Financial Management (MD) can provide members of CITAC 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.

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

Contact an MD Advisor* near you to find out how MD can help.

Clinician-Scientists and Money
Why It’s Different for You

Training to become a clinician-scientist typically takes 15 years — approximately eight years for the MD/PhD degree and another seven years of postgraduate clinical and research training.
This long training period means you start earning income later. Once you do start, your income will likely be lower than a full-time clinician’s because of the time you dedicate to research versus direct patient care.

We are here for you throughout your entire journey!



Early Career


·       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 

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.



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