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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.

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.

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. 

$3,999 /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

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.

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

Premium

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Platinum

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Titanium

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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)

Premium

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Platinum

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Titanium

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Microsoft Teams calls with your Advisor

(As needed)

Premium

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Platinum

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Titanium

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All-in-One Financial Life Plan

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

Premium

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Platinum

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Titanium

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Unlimited messaging with your team of experts

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

Premium

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Platinum

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Titanium

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Goal Tracking & Prioritization

Premium

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Platinum

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Titanium

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Membership Account For You and Your Spouse

Premium

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Platinum

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Titanium

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Investment Planning

Premium

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Platinum

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Titanium

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0% Fee on RFL Wealth Advisory Services

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Platinum

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Titanium

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Risk Profile Assessment

Premium

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Platinum

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Titanium

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Portfolio Analysis & Recommendations

Premium

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Platinum

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Titanium

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Tax Loss Harvesting

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Platinum

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Titanium

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Tax Free Insurance Wrappers

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Platinum

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Titanium

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Infinite Banking

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Platinum

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Titanium

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Tax Filing & Planning

Premium

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Platinum

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Titanium

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Seamless Communication Between Your Advisor and Accountant

Premium

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Platinum

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Titanium

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2 Personal Taxes

Premium

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Platinum

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Titanium

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2 Corporate Taxes

Premium

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Platinum

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Titanium

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More than 2 Corporate Taxes

Premium

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Platinum

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Titanium

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Annual Bookkeeping

Premium

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Platinum

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Titanium

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Real Estate Investment Properties (up to 3)

Premium

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Platinum

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Titanium

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Real Estate Investment Properties (up to 5)

Premium

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Platinum

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Titanium

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Fee for Each Additional Investment Property

Premium

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Platinum

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Titanium

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100$

Filing for 3 T5's

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Platinum

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Titanium

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Filing for up to 5 T5s

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Platinum

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Titanium

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Fee for Each Additional T5

Premium

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Platinum

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Titanium

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100$

Review of Previous Year Filing (Not Audit)

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Platinum

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Titanium

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Real Estate Planning

Property Analysis

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Platinum

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Titanium

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Depreciation Schedule Review

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Platinum

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Titanium

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Performance Analysis (Sell vs. Keep)

Premium

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Platinum

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Titanium

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Ownership Structuring Planning

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Platinum

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Titanium

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Own Your Clinic Planning

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Platinum

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Titanium

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Rich, Fulfilling Life Planning

Retirement Planning

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Platinum

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Titanium

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Children's Education Planning

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Platinum

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Titanium

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Debt Management

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Platinum

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Titanium

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Vacations

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Platinum

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Titanium

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Rich, Fulfilling Life Money

Premium

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Platinum

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Titanium

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Insurance

Critical Illness

Premium

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Platinum

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Titanium

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Disability

Premium

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Platinum

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Titanium

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Life Insurance

Premium

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Platinum

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Titanium

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Group Benefits

Premium

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Platinum

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Titanium

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HSA

Premium

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Platinum

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Titanium

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Estate Planning

Evaluation of Existing Estate Plan

Premium

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Platinum

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Titanium

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Creation of Estate Plan Guidance

Premium

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Platinum

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Titanium

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Creation of Will Documents

Premium

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$250

Platinum

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Titanium

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Creation of Trust Documents

Premium

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Additional Fee

Platinum

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Titanium

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Creation of Power of Attorney for Health and Finances

Premium

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$250

Platinum

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Titanium

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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.