We’re on a mission to redefine Wealth Management for Internationally Trained Doctors in Canada
We’re here to help you grow wealth on your terms — with a flat-fee, physician-first approach that puts clarity, and strategy at the center.
RFL Wealth exists for internationally trained physicians living and working in Canada
That’s it. No generalists. No sales quotas. No outdated AUM fees and advice from people who don’t understand your world.
Your advisors at RFL Wealth understand the nuances of:
- Immigrating to Canada and starting over
- Setting up your MPC and optimizing taxes
- Growing wealth while supporting family here and back home
- Building a legacy without getting buried in complexity
If that’s your story — you’re exactly who we built this for.
Testimonials
“RFL Wealth gave me clarity and peace of mind—now I focus on living, not worrying about my future.”
Darshan Khangura
Endocrinologist
“We sleep easier knowing we have a concrete plan for our family’s future.”
Dr. Chamberlain
Family Medicine
“RFL Wealth gave us structure and clarity—we know exactly what we’re working towards now.”
Frank Ossai
Family Medicine
What You Can Expect
Advice that’s aligned with you — not commissions
You pay a flat fee for expert guidance. No AUM percentages. No product agendas. Just clarity and transparency, from day one.
A plan built for your career and your life
We’re not generalists. Everything we do is designed for physicians like you, with specific knowledge of medical corporations, tax loopholes, and legacy planning.
Support for real-life decisions, not just portfolios
This is about more than returns. It’s about knowing how to structure your income, protect your family, invest wisely, and create options for your future — all with less stress.
Your RFL Wealth Team
We’re redefining financial planning for doctors — with a team of specialists who turn complex decisions into clear, confident strategies.
Frequently Asked Questions
Who does RFL Wealth serve?
We specialize in working exclusively with internationally trained physicians and dentists practicing in Canada. Our deep understanding of the unique financial challenges and opportunities faced by medical professionals who have immigrated to Canada allows us to provide tailored advice that aligns with your career trajectory and personal goals.
What services does RFL Wealth offer?
We provide comprehensive, flat-fee financial planning tailored for internationally trained doctors in Canada. Our services span seven key areas:
- Investing — 0% AUM advisory, portfolio analysis, and tax-efficient strategies
- Taxes & MPC — Corporate and personal tax planning, filing, and structuring
- Retirement — Financial Life Plans, income analysis, and long-term investment guidance
- Insurance — Risk assessment, coverage strategy, and group benefit planning
- Real Estate — Property performance reviews and ownership structuring
- Legacy — Education funding, lifestyle planning, and family support strategies
- Estate Planning — Wills, trusts, charitable giving, and intergenerational planning
Services are offered through three transparent flat-fee tiers — Premium, Platinum, and Titanium — depending on the level of complexity and support you need.
Who does RFL Wealth serve?
We specialize in working exclusively with internationally trained physicians and dentists practicing in Canada. Our deep understanding of the unique financial challenges and opportunities faced by medical professionals who have immigrated to Canada allows us to provide tailored advice that aligns with your career trajectory and personal goals.
What makes RFL Wealth different from traditional financial advisors?
Unlike many traditional advisors who may earn commissions or charge percentage-based fees, RFL Wealth operates on a flat-fee, fiduciary model. This means our only incentive is to act in your best interest, providing unbiased advice without any hidden agendas or product-pushing.
How does the flat-fee model work?
Our flat-fee structure means you pay a predetermined fee for our services, regardless of your asset size. This approach eliminates conflicts of interest and ensures that our advice is solely focused on helping you achieve your financial goals.
Do I need to have a certain amount of assets to work with RFL Wealth?
No. We believe that quality financial advice should be accessible to all medical professionals, regardless of their current asset level. Our services are designed to provide value at every stage of your financial journey.
How do I get started with RFL Wealth?
Simply book a free strategy call with us. During this initial conversation, we’ll discuss your financial goals, assess your current situation, and outline how our services can support your path to financial freedom.
I’m interested in accounting services, what’s included in each package?
All of our tiers include seamless communication with your advisor and accountant, strategic tax planning, and guidance on tax loss harvesting.
From there, your accounting support expands based on your package:
- Platinum Tier includes filing for 2 personal returns, 2 corporate returns, bookkeeping, up to 3 investment properties, and 3 T5s — with review of previous year filings.
- Titanium Tier covers everything in Platinum, plus filing for additional corporations and T5s, support for up to 5 properties, and complex real estate, trust, and estate coordination.
Do I need to transfer my funds over to work with RFL Wealth?
You don’t need to move any of your money over to get started with RFL Wealth Management planning services but with 0% AUM fees for our advisory services – its not a bad idea.
Still Exploring?
What does Financial Planning look like at RFL Wealth Management?
