Disclosures

Who we are

Beyond The Practice is the physician and dentist planning practice of AT Financial Group, a licensed Canadian financial planning firm. Advisors Amalan Mahendran and Amy Tong work with incorporated physicians, specialists and dentists in Durham Region (Pickering, Ajax, Whitby, Oshawa, Clarington) and across Toronto and the GTA on insurance, corporate tax planning, investments, retirement and estate planning.

How to read this site

Everything published here is educational content, not individualized advice. The figures are Ontario figures for the tax year stated on each page, taken from the sources listed at the foot of that page, and refreshed each January. Illustrations and worked examples use rounded numbers for people who do not exist; your numbers will differ. Nothing on this site is an offer of insurance, an investment recommendation or a legal or tax opinion. Before acting on anything here, meet a licensed advisor, and confirm tax and legal questions with your CPA and lawyer.

Insurance

Insurance products and advice are provided by licensed advisors of AT Financial Group. Licensed in Ontario. AT Financial Group is paid by commission from the insurer when a policy is placed; the full explanation is on fees and how we are paid. No insurer is described on this site as better than another.

Investments

AT Financial Group refers investment implementation to a registered dealer. Investment content on this site is educational.

Real estate

Real estate services are provided by Amalan Mahendran, Sales Representative, The Agency, Brokerage, under the Trust in Real Estate Services Act, 2002, and are paid by the brokerage commission. They are not services of Beyond The Practice or AT Financial Group. Detailed real estate pages are on bettercallamal.com.

Reviews

Every client is asked for a review in the same way, after their plan is delivered, using a standard request. Replies to public reviews never confirm that the reviewer is a client or discuss their circumstances.

Privacy

We collect only what we need to answer your enquiry and, if you become a client, to give advice and place policies. Health and financial information is requested only after a meeting is booked. We do not sell personal information. Marketing email is sent only with express consent under Canada's anti-spam legislation, and every message carries an unsubscribe link. The full policy is at privacy policy.

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.

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.

Accessibility

If any part of this site is difficult to use, contact us and we will provide the information in another format. See the accessibility statement.

Corrections

When we find an error, we correct the page, update the "last reviewed" date and note the correction in the page's change log.