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.

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.

$1,499 /yearly

Save 10% when billed annually.

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. 

$3,999 /yearly

Save 10% when billed annually.

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. 

$6,999 /yearly

Save 10% when billed annually.

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

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

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

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

Platinum

Titanium

Engagement

Microsoft Teams onboarding with your Advisor

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

Premium

Platinum

Titanium

Microsoft Teams calls with your Advisor

(As needed)

Premium

Platinum

Titanium

All-in-One Financial Life Plan

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

Premium

Platinum

Titanium

Unlimited messaging with your team of experts

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

Premium

Platinum

Titanium

Goal Tracking & Prioritization

Premium

Platinum

Titanium

Membership Account For You and Your Spouse

Premium

Platinum

Titanium

Investment Planning

Premium

Platinum

Titanium

0% Fee on RFL Wealth Advisory Services

Premium

Platinum

Titanium

Risk Profile Assessment

Premium

Platinum

Titanium

Portfolio Analysis & Recommendations

Premium

Platinum

Titanium

Tax Loss Harvesting

Premium

Platinum

Titanium

Tax Free Insurance Wrappers

Premium

Platinum

Titanium

Infinite Banking

Premium

Platinum

Titanium

Tax Filing & Planning

Premium

Platinum

Titanium

Seamless Communication Between Your Advisor and Accountant

Premium

Platinum

Titanium

2 Personal Taxes

Premium

Platinum

Titanium

2 Corporate Taxes

Premium

Platinum

Titanium

More than 2 Corporate Taxes

Premium

Platinum

Titanium

Annual Bookkeeping

Premium

Platinum

Titanium

Real Estate Investment Properties (up to 3)

Premium

Platinum

Titanium

Real Estate Investment Properties (up to 5)

Premium

Platinum

Titanium

Fee for Each Additional Investment Property

Premium

Platinum

Titanium

100$

Filing for 3 T5's

Premium

Platinum

Titanium

Filing for up to 5 T5s

Premium

Platinum

Titanium

Fee for Each Additional T5

Premium

Platinum

Titanium

100$

Review of Previous Year Filing (Not Audit)

Premium

Platinum

Titanium

Real Estate Planning

Property Analysis

Premium

Platinum

Titanium

Depreciation Schedule Review

Premium

Platinum

Titanium

Performance Analysis (Sell vs. Keep)

Premium

Platinum

Titanium

Ownership Structuring Planning

Premium

Platinum

Titanium

Own Your Clinic Planning

Premium

Platinum

Titanium

Rich, Fulfilling Life Planning

Retirement Planning

Premium

Platinum

Titanium

Children's Education Planning

Premium

Platinum

Titanium

Debt Management

Premium

Platinum

Titanium

Vacations

Premium

Platinum

Titanium

Rich, Fulfilling Life Money

Premium

Platinum

Titanium

Insurance

Critical Illness

Premium

Platinum

Titanium

Disability

Premium

Platinum

Titanium

Life Insurance

Premium

Platinum

Titanium

Group Benefits

Premium

Platinum

Titanium

HSA

Premium

Platinum

Titanium

Estate Planning

Evaluation of Existing Estate Plan

Premium

Platinum

Titanium

Creation of Estate Plan Guidance

Premium

Platinum

Titanium

Creation of Will Documents

Premium

$250

Platinum

Titanium

Creation of Trust Documents

Premium

Additional Fee

Platinum

Titanium

Creation of Power of Attorney for Health and Finances

Premium

$250

Platinum

Titanium

Try our Calculator

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

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.