How Much Will You Lose to Taxes Over Your Lifetime?
You’re earning more than ever. But without the right tax strategy, millions could quietly slip through your fingers.
This free calculator shows you exactly how much income you’ll lose to taxes— based on your real numbers.
Takes less than 60 seconds.
No sign-up needed.
You’re Paying a Lot. Are You Paying More Than You Should?
Estimate your total lifetime tax paid
Understand where inefficiencies exist
Philanthropic Planning
This tool gives you answers. Fast.
Why This Matters to Internationally Trained Physicians in Canada
You’ve incorporated. You’re saving. You’re working hard. But without an optimized tax strategy, your income is leaking—quietly, year after year.
A Six-Figure Mistake Most Doctors Don’t See Coming
Without Planning
- Pay $2.5M+ in taxes over your career
- Rely on default systems that aren’t physician-specific
- Retire with less than you should
With Strategic Planning (RFL)
- Reduce your tax burden by hundreds of thousands
- Use tax strategies tailored to high-earning professionals
- Keep more of what you earn—now and in retirement
Frequently Asked Questions
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.
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.
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.
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.
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.
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.
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.
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.
Want to Keep More of What You Earn?
Start here.
Run your numbers.
Then, if the results surprise you (they usually do), let’s talk strategy.