How Doctors Lose $1M in Taxes
And the proven plan to retire tax-free in canada – Without RRSPs.
What You’ll Learn Inside
Why RRSPs work against you when you’re incorporated
How most doctors lose $1M+ to retirement taxes
What your advisor likely isn’t telling you
The 4 wealth buckets Canada’s richest doctors rely on
How to retire with up to $250K/year completely tax-free
Real case study: how Dr. Anthony fixed his RRSP mistake and saved $250K+
BONUS:
Get an easy-to-use checklist to see if this applies to 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 Ajogwu
Family Medicine
“RFL Wealth gave us structure and clarity—we know exactly what we’re working towards now.”
Frank Ossai
Family Medicine
Why We Made This
We work exclusively with internationally trained physicians. And the RRSP trap is by far the most common — and costly — mistake we see.
We created this guide to help you avoid that mistake before it costs you another decade of savings.
It’s clear, direct, and built for people who don’t have time for fluff.
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.