MedWealth
RESERVE STRATEGY
PHYSICIAN-TAILORED MPC RESERVE
The physician's way to lasting tax-smart wealth.
From MPC financial consulting to a final actionable strategy, this is how wealth building for Ontario physicians should be.
Tax Shelter
​Shelter your MPC surplus from 50%+ taxes on passive income.
Reserve Growth
Grow a flexible cash reserve that can compound tax-free.
Legacy Control
Secure tax-free payouts to heirs and protect your estate from probate.
Retirement Boost
Create a custom pension stream that complements HOOPP without limits.
Why MedWealth is Essential for Your Practice
In 2025, Ontario physicians face mounting pressures—from HOOPP contribution limits that cap guaranteed retirement income to monitoring capital gains inclusion rates on corporate gain. Traditional savings fall short against these hurdles, leaving MPC surpluses exposed to erosion. To compliment investments, MedWealth Reserve Strategy steps in as a physician-centric solution: It creates a secure, tax-optimized reserve that integrates seamlessly with your MPC, turning deferred earnings into protected growth while providing the flexibility and security your demanding career demands.
Key Benefits
Tax Minimization and
Wealth Growth
Shield your MPC surplus from Ontario's 50%+ corporate taxes on passive income. Achieve tax-deferred compounding through guaranteed base value and performance bonuses, outpacing inflation and building wealth steadily over your career—ideal for accelerating growth during high-billing years without annual CRA hits.
Flexible Use of Liquidity and Access to Funds
Access funds tax-free via low-cost advances against your reserve, perfect for covering practice overhead spikes, billing delays, or unexpected expansions. In many cases, no credit checks or bank approvals needed. This hands-off liquidity reduces burnout by ensuring cash flow stability, letting you focus on patients rather than financial stress.
Legacy Preservation with Estate Planning
Create tax-free capital dividend payouts for family or partners through credits to the capital dividend account, equalizing estates and funding buy-sell agreements in group practices. Minimize Ontario probate fees (1.5% on estates over CAD $50,000) and avoid family disputes, securing your life's work for generations with built-in succession planning.
Retirement Boost, Additional Passive Income Source
Complement HOOPP with customizable, tax-free income streams from your reserve, bridging gaps in defined benefits without reducing pension room. Borrow against compounded value for steady retirement draws, ensuring financial freedom post-clinic—especially valuable amid 2025 reforms that heighten the need for diversified, stable supplements.
Secure Your Practice's Future with MedWealth Reserve Strategy
Tired of high taxes eroding your MPC surplus? MedWealth transforms your hard-earned billings into a protected reserve that grows tax-deferred, provides on-demand liquidity, and ensures a tax-free legacy. Designed by experts who understand the demands of your clinic life.
Get Your Free Guide Now
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Physician Story: Follow Dr. Chen's journey from MPC tax struggles to secure wealth, with a $5.5M net worth blueprint tailored for Ontario docs like you.
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Tax & Growth Insights: See how $100k annual deposits yield 4-6% tax-deferred compounding, shielding surplus from capital gains
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Liquidity & Retirement Wins: Discover flexible, tax-free access for cash flow needs and HOOPP complements, projecting $200k+ annual retirement streams.
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Legacy Protection: Learn estate equalization tactics that minimize probate and fund successions—don't miss the urgency of starting now for max benefits.​
