Doctors: settle your 2026 salary and dividend mix before 31 December.

Yes. There is no cost and no obligation. You leave with your notes whether or not you ever become a client.

Send us the most recent invoice from your accountant. We quote the same services (corporate year-end, T2 and personal T1) at 50% off that fee, in writing, before you decide. It is for new incorporated doctor clients who sign up by 31 December 2026.

It depends on you. Salary is deducted by the corporation, creates RRSP room and comes with CPP contributions, which build a CPP pension. Dividends come from after-tax corporate income, do not create RRSP room and have no CPP. Many doctors use a mix. The right mix depends on your income, what you spend, how you save and your family, which is why we look at your numbers rather than give a rule.

Salary counts in the year it is paid. For 2026 salary, that means paid by 31 December 2026. Once the year closes, the 2026 mix is mostly set, and planning can only change 2027.

It can be. When a corporation earns more than $50,000 of investment income in a year, the small business limit for the following year starts to shrink, and at $150,000 it is gone. That can raise the tax on your practice income. We check where you stand and explain the general options.

Ontario lets certain family members hold shares in a medicine professional corporation, but federal tax on split income rules limit when paying them dividends helps. Whether it works for you depends on the facts, so we treat it as a question for the session, not a promise.

Most insured medical services are exempt from HST. Some work can be taxable, for example certain reports for insurers or lawyers, or cosmetic services. Once your taxable sales pass $30,000 over four consecutive quarters, you generally have to register. We check what you bill.

No, it is tax and estate planning, not legal advice. We look at what would happen to your corporation and its shares if you died, roughly what would reach your family, and where the same money could be taxed twice. Wills and trusts are drafted by your lawyer. We give you a short list of questions to take to them and can work with them if you want.

No. Chirag is also licensed to sell life insurance through WealthPillar Inc. If disability, critical illness or life insurance is relevant, he will say so, tell you how he is paid and do a needs analysis first. You never have to buy anything.

If you are off sick, billings stop but rent, staff and loan payments keep coming. Disability insurance can replace part of your personal income, business overhead expense insurance can help with the practice's fixed costs, and corporate-owned life insurance can help the corporation and your family if you die. Which of these you need depends on what you already have. Chirag is licensed to sell life insurance through WealthPillar and is paid by commission if you buy, so he will tell you that first. Read the WealthPillar guide to key person insurance.

Yes. We work with doctors in Brampton, Mississauga, Caledon, Oakville, Toronto and nearby, online on Teams or in person at our Brampton office.

Your last accounting bill if you want a quote, and your most recent corporate financial statements if they are handy. Please don't send SINs, banking details or tax documents by email, text or WhatsApp.