Wealth Management for Internationally Trained Doctors

Trusted by physicians to reduce taxes and grow wealth —
with 0% AUM fees.

Book Your Strategy Call

The only firm made specially for you.

Built Exclusively for Internationally Trained Doctors in Canada.

0% AUM Fees. 100% Fiduciary.

Flat-fee planning with no hidden incentives — just expert advice aligned with your goals.

Over $100M in Tax Savings.

Get access to proven strategies that help doctors keep more of what they earn — legally and ethically.

Our Services

Retirement Planning

Investment Strategy

Tax Planning

Insurance Optimization

Financial Life Planning

Estate & Legacy Planning

What other doctors are saying about RFL Wealth

“RFL Wealth gave me clarity and peace of mind—now I focus on living, not worrying about my future.”

Darshan Khangura

Endocrinologist

“We sleep easier knowing we have a concrete plan for our family’s future.”

Dr Chamberlain Ajogwu

Family Medicine

“RFL Wealth gave us structure and clarity—we know exactly what we’re working towards now.”

Frank Ossai

Family Medicine

Your Medical Professional Corporation is powerful — if you know how to use it.

Most doctors we meet aren’t taking full advantage of their corporation. Your RFL Advisors will walk you through the smartest way to structure your income, utilize your corporation, and save millions in taxes over time.

Designed for Internationally trained doctors.

RFL Wealth has been designed to provide tools, strategies, and structure to build wealth at every stage of your career. If you are an internationally trained doctors in Canada, join thousands of RFL members who are making smarter financial decisions.

Get conflict-free, flat-fee advice with 0% AUM on our advisory services.

Still paying 1% to a traditional advisor? That fee adds up — fast. Unlike most firms, RFL Wealth offers 0% Assets Under Management Fee. So we don’t charge based on how much you have. No AUM fees. No sales quotas. Just physician-first planning for a flat, transparent fee — always aligned with your goals.

Most doctors we meet aren’t taking full advantage of their corporation. Your RFL Advisors will walk you through the smartest way to structure your income, utilize your corporation, and save millions in taxes over time.

RFL Wealth has been designed to provide tools, strategies, and structure to build wealth at every stage of your career. If you are an internationally trained doctors in Canada, join thousands of RFL members who are making smarter financial decisions.

Still paying 1% to a traditional advisor? That fee adds up — fast.
Unlike most firms, RFL Wealth offers 0% Assets Under Management Fee. So we don’t charge based on how much you have. No AUM fees. No sales quotas. Just physician-first planning for a flat, transparent fee — always aligned with your goals.

Trusted by Canada’s Most Ambitious Doctors

Physician-Only Specialists

Get the right protection in place, without overpaying or over-insuring.

True Fiduciary,
Flat-Fee Model

We don’t earn commissions or percentages — just your trust.

Certified Financial Planners & Advanced Tax
Experts

All advice is delivered by top-tier planners with deep knowledge of MPCs, tax structures, and wealth planning for incorporated professionals.

Recognized
Industry
Innovator

We’re redefining what financial advice should look like and consistently ranked as top 1% advisors in Canada.

Frequently Asked Questions

What services does RFL Wealth offer?

We provide comprehensive, flat-fee financial planning tailored for internationally trained doctors in Canada. Our services span seven key areas:

Investing — 0% AUM advisory, portfolio analysis, and tax-efficient strategies
Taxes & MPC — Corporate and personal tax planning, filing, and structuring
Retirement — Financial Life Plans, income analysis, and long-term investment guidance
Insurance — Risk assessment, coverage strategy, and group benefit planning
Real Estate — Property performance reviews and ownership structuring
Legacy — Education funding, lifestyle planning, and family support strategies
Estate Planning — Wills, trusts, charitable giving, and intergenerational planning

Services are offered through three transparent flat-fee tiers — Premium, Platinum, and Titanium — depending on the level of complexity and support you need.

Who does RFL Wealth serve?

We specialize in working exclusively with internationally trained physicians and dentists practicing in Canada. Our deep understanding of the unique financial challenges and opportunities faced by medical professionals who have immigrated to Canada allows us to provide tailored advice that aligns with your career trajectory and personal goals.

What makes RFL Wealth different from traditional financial advisors?

Unlike many traditional advisors who may earn commissions or charge percentage-based fees, RFL Wealth operates on a flat-fee, fiduciary model. This means our only incentive is to act in your best interest, providing unbiased advice without any hidden agendas or product-pushing.

How does the flat-fee model work?

Our flat-fee structure means you pay a predetermined fee for our services, regardless of your asset size. This approach eliminates conflicts of interest and ensures that our advice is solely focused on helping you achieve your financial goals.

Do I need to have a certain amount of assets to work with RFL Wealth?

No. We believe that quality financial advice should be accessible to all medical professionals, regardless of their current asset level. Our services are designed to provide value at every stage of your financial journey.

How do I get started with RFL Wealth?

Simply book a free strategy call with us. During this initial conversation, we’ll discuss your financial goals, assess your current situation, and outline how our services can support your path to financial freedom.

I’m interested in accounting services, what’s included in each package?

All of our tiers include seamless communication with your advisor and accountant, strategic tax planning, and guidance on tax loss harvesting.

From there, your accounting support expands based on your package:

Platinum Tier includes filing for 2 personal returns, 2 corporate returns, bookkeeping, up to 3 investment properties, and 3 T5s — with review of previous year filings.
Titanium Tier covers everything in Platinum, plus filing for additional corporations and T5s, support for up to 5 properties, and complex real estate, trust, and estate coordination.

You get physician-specific tax advice and filing support — without chasing multiple professionals or worrying about what’s been missed.

Do I need to transfer my funds over to work with RFL Wealth?

You don’t need to move any of your money over to get started with RFL Wealth Management planning services but with 0% AUM fees for our advisory services – its not a bad idea.

It’s Time to Change Your Financial Future

Achieve financial peace in 3 easy steps

Step 1: Book Your Strategy Call

Meet with a flat-fee advisor who specializes in helping internationally trained physicians. We’ll review your goals, corporate structure, and current challenges — no prep required.

Schedule Your Free Consult

Step 2: Get a Personalized Financial Life Plan

We design your roadmap — from tax strategy to investments, insurance, retirement, and legacy planning. Every detail is tailored to your life and career in Canada.

See What’s Included

Step 3: Build Wealth and Live a Rich, Fulfilling Life ™

With your plan in hand, we’ll help you implement it step-by-step — no pressure, no product sales. Just smart, physician-first planning you can finally trust.

Start Building Your Plan