01
Put corporate savings to work
Move from retained earnings to a clearer plan for investing, withdrawing, and supporting your future.
For the life beyond your practice
Wealth planning
for Ontario
physicians.
Turn the income you earn into the life you want—with a coordinated plan for your corporation, investments, real estate, and family.
45 minutesNo chargeNo obligation
Ontario, CanadaYour practice. Your family. Your future.
Built around your life, not just your balance sheet.
Grow Protect Preserve
A strong income is only the beginningYou’ve built your practice.
You’ve built your practice.
What are you building next?
When every financial decision connects, you can see the bigger picture.
02
Bring your advice together
Connect your corporation, protection, investments, and property instead of treating them as separate decisions.
03
Make room for the life you want
Explore what needs to happen before you can work less, invest in property, or spend more time with family.
Your first step · 45 minutesLess uncertainty.
Less uncertainty.
A clearer next move.
A focused introductory conversation about where you are, what matters to you, and which decisions deserve attention first.
Let’s talk about your future No charge. No obligation. No document uploads.What we can clarify together
01
Your immediate priorities
The corporate, cash-flow, protection, or property questions on your mind.
02
Your longer-term direction
How your decisions today connect to family, investing, and retirement goals.
03
A sensible next step
What to explore further and which professionals to involve.
A detailed, personalized plan requires a fuller assessment and an agreed scope.
Our services · Built around Ontario physiciansProtect today. Build tomorrow.
Protect today. Build tomorrow.
One plan around your life.
Insurance, corporate-funded retirement, financing, estate planning, investments, and real estate—connected to your individual goals and needs.
Life, critical illness & disability
Your ability to earn deserves a plan of its own.
Life insurance, critical illness insurance, and disability coverage serve different needs. We help you review how they work together for your specialty, family, and practice.
When we can help
Starting practice, growing your family, taking on debt, or reviewing existing coverage.
- Life insurance for family and estate needs
- Critical illness coverage for eligible diagnoses
- Disability coverage suited to your occupation
Protect your income and family- 01Your responsibilities
- 02Coverage review
- 03A protected foundation
For the people and priorities that depend on you.
Illustrative imagery and planning sequence.Corporate-funded retirement
Build a retirement strategy beyond your practice.
Explore a corporate-funded, tax-efficient retirement plan that connects retained earnings, personal savings, and appropriate insurance or pension strategies to the life you want.
When we can help
Building corporate surplus, maximizing registered savings, or considering when to work less.
- Corporate and personal retirement needs
- Suitable funding and withdrawal strategies
- Tax efficiency reviewed with your accountant
Turn corporate wealth into future choices- 01Corporate resources
- 02Retirement strategy
- 03More choice over time
Your future lifestyle sets the direction.
Illustrative imagery and planning sequence.Immediate financing arrangements
Evaluate protection and access to capital together.
An immediate financing arrangement (IFA) pairs permanent life insurance with a lender-approved loan secured by the policy and potentially other assets. We help assess whether the added complexity fits your goals.
When we can help
You have strong corporate cash flow, a long-term insurance need, and capacity to manage borrowing risk.
- Insurance suitability and lender requirements
- Interest costs, collateral, and repayment risk
- Use of borrowed funds and tax-advisor review
Explore insurance-linked financing- 01Insurance need
- 02Financing assessment
- 03Suitability decision
An assessment—not a promise of financing or returns.
Illustrative imagery and planning sequence.Estate & legacy planning
Leave a legacy with fewer unanswered questions.
Connect your corporation, property, insurance, and family wishes in an estate plan. We coordinate the financial picture with your legal and tax advisors.
When we can help
Your family changes, your assets grow, or you are preparing for succession or retirement.
- Estate liquidity and potential tax obligations
- Beneficiaries and corporate-owned insurance
- Coordination of wills and ownership structures
Plan what passes to the next generation- 01Family wishes
- 02Estate coordination
- 03A considered legacy
A clearer direction for the next generation.
Illustrative imagery and planning sequence.Investment growth
Give your investments a role in your bigger plan.
Align personal and corporate portfolios with your goals, time horizon, cash-flow needs, and risk tolerance—working with appropriate investment professionals.
When we can help
Cash is accumulating, accounts feel disconnected, or your goals and risk tolerance have changed.
- Diversification and portfolio coordination
- Investment costs, liquidity, and risk
- A long-term approach—not a promised return
Invest with a purpose and perspective- 01Goals & time horizon
- 02Investment approach
- 03Ongoing review
Growth potential balanced with the risks you can take.
Illustrative imagery and planning sequence.Real estate portfolios
Build a property portfolio with the whole picture in view.
Explore residential, commercial, and multifamily investments alongside your corporate wealth, insurance, and retirement strategy—not as a separate financial decision.
When we can help
Considering a first rental, expanding a portfolio, or deciding how much capital to commit.
- Cash flow after financing and expenses
- Ownership structures and tax considerations
- Concentration risk and long-term retirement fit
Make property part of your wealth plan- 01Available capital
- 02Property assessment
- 03Portfolio fit
Property is one part of the plan—not the entire plan.
Illustrative imagery and planning sequence.Strategies depend on your circumstances. Insurance is subject to underwriting; financing is subject to lender approval. Borrowing adds risk, and tax treatment is not guaranteed. We review suitability with the appropriate professionals.
Start where you areYou don’t need to wait
You don’t need to wait
for retirement to plan.
- 01Starting practice
Protect your income. Set your foundation.
- 02Building wealth
Connect corporate savings and investments.
- 03Expanding your options
Evaluate financing and property decisions.
- 04Planning your next chapter
Coordinate retirement and your legacy.
Beyond stocks and savingsReal estate belongs in the plan.
Real estate belongs in the plan.
Not outside it.
From a first rental to a commercial building or multifamily investment, we help you assess how property fits your capital, your corporation, and your future.
01Residential
Rental homes and residential investments.
02Commercial
Office, retail, and business-use properties.
03Multifamily
Multi-unit properties and rental portfolios.
Cash flow & financing Ownership & tax considerations Risk & retirement fit
Discuss my property goals Property images are illustrative, not available listings. Investing involves risk; ownership, financing, and tax decisions depend on your circumstances and appropriate professional advice.
The path forwardA clearer future starts
A clearer future starts
with a simple conversation.
You don’t need every answer before taking the first step.
- 01
Your priorities
Tell us about your practice, your goals, and the decisions on your mind.
- 02
A first conversation
Explore what matters most in a focused, 45-minute introductory consultation.
- 03
A coordinated direction
Agree on the scope and bring your accountant and other advisors into the picture.
- 04
Move forward together
Coordinate next steps and review your plan as your practice and life evolve.
The people behind your planBeyond The Practice.
Beyond The Practice.
Backed by AT Financial Group.
AT Financial Group brings insurance, investment, and tax-planning perspectives together for healthcare professionals and their families.
Beyond The Practice puts that coordinated approach around the priorities of Ontario physicians—working alongside your accountant, legal counsel, and appropriate investment professionals.
Get to know AT Financial Group
President, AT Financial Group
Amy Tong
Leading AT Financial Group’s work with healthcare professionals and families, with a focus on connecting protection and long-term financial priorities.
Senior Financial Strategist
Amalan Mahendran
Helping physicians bring their corporate, personal, investment, and property decisions into one conversation about their future.
Your existing advisors. A more connected conversation. We coordinate with the professionals you trust; one person does not provide every regulated service.
Start with a conversationYour next chapter.
Your next chapter.
Let’s plan for it.
Tell us a little about your practice and priorities. Our team will contact you to arrange your introductory consultation.
45-minute introductionNo charge or obligationA time that works around your practice
You don’t need a finished plan.
Just the questions you want answered.
01Your practice02Your consultation
A little more clarityGood questions.
Good questions.
Straight answers.
What to know before we talk.
We’ll discuss your practice, family priorities, and the financial questions you most want to answer. The 45-minute conversation helps identify what deserves attention and whether a fuller planning engagement would be useful. It is not a complete financial plan.
No. Our approach is to connect the decisions across your financial life, working alongside your accountant, legal counsel, and appropriate investment professionals. Each professional remains responsible for their own advice and regulated services.
Yes. We can discuss how property investing fits your wider financial picture, including available capital, financing, cash flow, liquidity, concentration risk, and retirement goals. Ownership and tax structures need review with your legal and tax advisors.
The 45-minute introductory consultation is at no charge and with no obligation. Before any further engagement, ask about the proposed scope, fees, and any commissions or other compensation associated with the services or products discussed.
No. Whether you are early in practice, considering incorporation, managing an established corporation, or thinking about retirement, we can start with your current situation and the decisions ahead.
Just your main questions and a sense of your priorities. You don’t need to upload statements or tax documents for the initial request. Please don’t share medical records, account numbers, or sensitive financial documents in the form.
Beyond The PracticeYour life is bigger
Your life is bigger
than your practice.
Your financial plan should be, too.
Book my consultation