Incorporation
Should I incorporate as a physician in Ontario?
When a medicine professional corporation starts paying for itself in Ontario, what CPSO requires, who can hold shares, and the trade-offs the deferral argument leaves out.
7 min read
Durham Region
Financial planner for doctors in Durham Region
For physicians practising in Whitby, Oshawa, Ajax, Pickering and Clarington, and for those who live east of Toronto and drive in. Ontario rules, Ontario figures, and an advisor who can meet you between clinic days.
Why local matters here
Most of the firms that advertise to physicians are downtown, and a review that costs you two hours in traffic gets postponed until it does not happen. We work the other way round: reviews in person in Durham Region, and small dinners in a private room within driving distance of Lakeridge Health.
Being nearby also means the room is full of people in the same position. The conversation at a Durham dinner is about hospital privileges, locum income and the same handful of corporate questions, not a general seminar for business owners.
Where you are in your career
Residents and new attendings
The first three years decide how the next thirty start.
Incorporated physicians
Money is collecting in the corporation. What now?
Approaching retirement
Taking the money out costs more than putting it in.
Start with these three
Corporate tax
Salary or dividends for an incorporated physician in 2026?
Integration makes the tax cost of salary and dividends close. What separates them is RRSP room, CPP, HOOPP eligibility and the passive income grind.
7 min read
Insurance
Physician disability insurance in Canada: how much and what kind
What own-occupation means, how much coverage an Ontario physician needs, why guaranteed premiums matter, and where association coverage stops.
6 min read
The next Durham dinner
Nov
14
6:30 pm · In person
Durham physicians
Beyond The Practice: a private wealth dinner for physicians
Turning millions in corporate wealth into personal wealth tax efficiently.
Durham Region · 24 seats
Ask a Durham question
Tell us where you practise and what is on your mind. We will reply within one business day, and we will say if a meeting is not worth your time.