Professionals

Planning built for incorporated professional practices

Professionals often carry high income, significant training debt, a professional corporation and limited time. The planning has to be efficient and it has to account for all three.

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Who we work with

Common practice types

Accountants

Practice growth, partner transitions and compensation structure inside a professional corporation.

Lawyers

Partnership income, professional corporations, and funding for partner buy-in or exit.

Nurses & nurse practitioners

Pension decisions, shift and overtime income, coverage beyond the group plan, and independent or contract NP practice.

Physicians & surgeons

Corporate structure, income smoothing, disability coverage sized to real earnings and retirement funding without a workplace pension.

Dentists

Practice financing, associate-to-owner transitions, equipment cycles and eventual practice sale.

Veterinarians & optometrists

Clinic ownership, staff benefits and succession to an associate.

Engineers & consultants

Contract income variability, incorporation decisions and personal coverage where no group plan exists.

Residents & new practitioners

Debt sequencing, first coverage decisions and building a plan before income grows.

What we focus on

Own-occupation disability

For most professionals, the ability to practise is the largest asset. Coverage definitions matter more than price.

Corporate versus personal

Where savings should be held, and how compensation is structured — with your accountant.

Practice transition

Buying in, buying out, or selling to an associate, and funding the transaction.

Time-efficient reviews

Structured annual reviews rather than open-ended meetings.

Banking

Manulife One and the accounts around a professional income

For most incorporated professionals the useful piece is Manulife One — mortgage, savings and income in one account, so irregular draws and corporate timing stop working against your borrowing costs. Your advisor arranges it, along with the personal and corporate accounts around it.

Speak with an advisor who works with professionals

Tell us your practice type and stage and we'll match you appropriately.