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Choose your plan. Pay only for what you need. 

We offer 3 tiers of transparent, flat-fee pricing designed especially for internationally trained doctors. No hidden fees. No Asset Management Fees.

Save 10% when billed annually.

RFL Wealth Builder

Best for high-earning, incorporated physicians and dentists who want a complete, hands-on plan built around every aspect of their financial life — without AUM fees or hidden agendas.

$1,499 /yearly

Save 10% when billed annually.

Select Plan

Features:

  • Membership for you & your spouse
  • 0% AUM for Advisory Services
  • Unlimited access to our fiduciary advisors
  • Plans for investing, retirement, cash flow

RFL Prestige

Best for incorporated professionals who want hands-on planning, tax filing, and real estate strategy — all managed by a dedicated team, with every detail streamlined and personalized. 

$4,499 /yearly

Save 10% when billed annually.

Select Plan

Features:

  • Tax Filing
  • Strategic planning and projections
  • Real estate (up to 3 properties)
  • Membership for you & your spouse
  • 0% AUM for Advisory Services
  • Unlimited access to our fiduciary advisors
  • Plans for investing, retirement, cash flow

RFL Elite Fulfillment

Best for physicians and clinic owners who want complete financial life management — including tax filing, investment guidance, legacy planning, and support for family, clinic, and real estate assets. 

$7,999 /yearly

Save 10% when billed annually.

Select Plan

Features:

  • Tax Filing
  • Any number of corporate taxes
  • Support for alternative investment planning
  • Strategic planning and projections
  • Real estate (up to 5 properties)
  • Bookkeeping review for self-employed
  • Membership for you & your spouse
  • 0% AUM for Advisory Services
  • Unlimited access to our fiduciary advisors
  • Plans for investing, retirement, cash flow

Premium

Best for high-earning, incorporated physicians and dentists who want a complete, hands-on plan built around every aspect of their financial life — without AUM fees or hidden agendas.

$1,133 /semi-annually

Requires one year commitment

Select Plan

Features:

  • Membership for you & your spouse
  • 0% AUM for Advisory Services
  • Unlimited access to our fiduciary advisors
  • Plans for investing, retirement, cash flow

Platinum

Best for incorporated professionals who want hands-on planning, tax filing, and real estate strategy — all managed by a dedicated team, with every detail streamlined and personalized. 

$3,025 /semi-annually

Requires one year commitment

Select Plan

Features:

  • Tax Filing
  • Strategic planning and projections
  • Real estate (up to 3 properties)
  • Membership for you & your spouse
  • 0% AUM for Advisory Services
  • Unlimited access to our fiduciary advisors
  • Plans for investing, retirement, cash flow

Titanium

Best for physicians and clinic owners who want complete financial life management — including tax filing, investment guidance, legacy planning, and support for family, clinic, and real estate assets. 

$4,491 /semi-annually

Requires one year commitment

Select Plan

Features:

  • Tax Filing
  • Any number of corporate taxes
  • Support for alternative investment planning
  • Strategic planning and projections
  • Real estate (up to 5 properties)
  • Bookkeeping review for self-employed
  • Membership for you & your spouse
  • 0% AUM for Advisory Services
  • Unlimited access to our fiduciary advisors
  • Plans for investing, retirement, cash flow

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Engagement

Microsoft Teams onboarding with your Advisor

(10+ meetings in the first year to help you accomplish all of your Rich, Fulfilling Life goals)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Microsoft Teams calls with your Advisor

(As needed)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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All-in-One Financial Life Plan

(Retirement, Children education, Vacations, Rich Fulfilling Life Money, Tax savings, Protecting Your Income)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Unlimited messaging with your team of experts

(Financial planner, Investment Advisor, Insurance Specialist, Service manager)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Goal Tracking & Prioritization

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Membership Account For You and Your Spouse

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Investment Planning

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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0% Fee on RFL Wealth Advisory Services

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Risk Profile Assessment

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Portfolio Analysis & Recommendations

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Tax Loss Harvesting

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Tax Free Insurance Wrappers

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Infinite Banking

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Tax Filing & Planning

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Seamless Communication Between Your Advisor and Accountant

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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2 Personal Taxes

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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2 Corporate Taxes

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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More than 2 Corporate Taxes

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Annual Bookkeeping

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Real Estate Investment Properties (up to 3)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Real Estate Investment Properties (up to 5)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Fee for Each Additional Investment Property

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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100$

Filing for 3 T5's

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Filing for up to 5 T5s

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Fee for Each Additional T5

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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100$

Review of Previous Year Filing (Not Audit)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Real Estate Planning

Property Analysis

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Depreciation Schedule Review

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Performance Analysis (Sell vs. Keep)

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Ownership Structuring Planning

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Own Your Clinic Planning

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Rich, Fulfilling Life Planning

Retirement Planning

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Children's Education Planning

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Debt Management

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Vacations

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Rich, Fulfilling Life Money

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Insurance

Critical Illness

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Disability

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Life Insurance

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Group Benefits

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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HSA

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Estate Planning

Evaluation of Existing Estate Plan

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Creation of Estate Plan Guidance

RFL Wealth Builder

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RFL Prestige

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RFL Elite Fulfillment

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Creation of Will Documents

RFL Wealth Builder

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$250

RFL Prestige

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RFL Elite Fulfillment

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Creation of Trust Documents

RFL Wealth Builder

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Additional Fee

RFL Prestige

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RFL Elite Fulfillment

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Creation of Power of Attorney for Health and Finances

RFL Wealth Builder

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$250

RFL Prestige

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RFL Elite Fulfillment

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See How Much AUM Fees Really Cost You

What other doctors are saying about RFL Wealth

“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

Read More Success Stories

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.

You get physician-specific tax advice and filing support — without chasing multiple professionals or worrying about what’s been missed.

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.