Disclosures

Educational content, not individualized advice

Everything published here is general information for Ontario physicians and dentists. It is not tax, legal or investment advice for your situation, and reading it does not make anyone your advisor. Your accountant and your lawyer should see any plan before you act on it.

Insurance licensing

Insurance products and advice are provided by licensed advisors of AT Financial Group. Licensed in Ontario.

Life and health insurance advice in Ontario is provided by advisors licensed with the Financial Services Regulatory Authority of Ontario. How we are licensed.

Commissions

When you buy an insurance policy through us, the insurance company pays the advisor a commission. That is a conflict of interest and we name it rather than bury it: we will tell you which insurers we represent, and which one is paying on your policy. Fees and how we are paid.

Illustrations and assumptions

The calculators and any planning summary are illustrations. They use Ontario and federal figures for the 2026 tax year, they simplify in ways each tool states on the page, and they are not a projection of what will happen. Change one assumption and the answer changes. Actual results depend on your return, your corporation and rules that move every year.

Testimonials

Any testimonial on this site is published with the client's written consent, is not compensated in any way, and describes one person's experience. It is not a guarantee. Testimonials shown with the word Placeholder are examples of format only and are not from real clients.

The assistant on this site

The assistant on this site is an AI tool that provides educational information only. It draws on the articles published here, it can be wrong, and it is not a licensed advisor. It will not recommend a specific product or investment. Conversations are stored so that an advisor can follow up and so we can keep the records our licensing requires.

Photography

Where a photograph has not been supplied yet, this site shows a plain panel rather than a stock image of someone else. Nothing here depicts a client.