Salary and dividend optimization
Revisited every year against your billings, your spending and your RRSP and CPP position, not set once and forgotten.
Physician accounting, powered by 
Your corporation, handled. Your tax, planned ahead.
MD LaunchTM is the accounting and tax service line for incorporated Canadian physicians. Built for people who are busy, who want someone proactive on the file, and who would rather hear about the opportunity before the deadline than the problem after it.
100s
Physicians served
Across Canada, through national-firm and independent practice.
15+
Years of experience
CPAs who specialize in medical professional corporations.
Proactive, not reactive
Planning conversations scheduled by us, before year-end.
Fully virtual
Nothing to drop off. Nothing to drive to.
Where you are
Two kinds of physician come to us. Pick yours.
Set the corporation up so it never needs fixing.
Most of the expensive mistakes in a medical corporation happen in the first year: the wrong share structure, payroll started late, personal and corporate money mixed, a year-end nobody chose on purpose. We set it up properly, register everything, and put a plan in place before your first significant billing cycle.
- 1Should you incorporate yet?An honest answer based on billings, debt and spending. Sometimes the answer is not yet.
- 2Structure and setupShare structure, CRA accounts, payroll registration and a bookkeeping system you will actually use.
- 3How to pay yourselfSalary, dividends or both, decided on your numbers, with RRSP room and CPP in the calculation.
- 4First-year rhythmEvery filing, remittance and deadline mapped out, so year one runs on a schedule rather than reminders.
Get a second look at what has been sitting still.
If your corporation has been filing for years with no planning conversation in between, there is usually money being left on the table: retained earnings invested without a strategy, passive income pushing you past the small business limit, family members not in the structure, a holding company that should exist and doesn't. We start with a review of the last two years and tell you plainly what we would change.
- 1Two-year reviewPrior filings, remuneration, retained earnings and investments. Where the gaps and opportunities are.
- 2Passive income and the small business limitWhat the investment income inside the corporation is doing to your tax rate, and the options.
- 3Holding company and family planningWhether a holdco makes sense, and how spouse and family fit into the structure.
- 4Clean transitionWe handle the handover from your current accountant. You sign one form.
What we handle
The planning a physician's corporation actually needs.
The compliance is table stakes. This is the part that makes a difference to what you keep, and it is included in the plan, not billed as an extra.
Passive income and corporate investing
Managing investment income inside the corporation so it does not quietly erode the small business deduction.
Holding companies
When a holdco makes sense, how to set it up, and how to move retained earnings without triggering tax you did not need to pay.
Individual Pension Plans
An IPP can let the corporation put away more than an RRSP allows. We assess whether it fits and coordinate the setup.
Spouse and family planning
Family members in the structure where the rules allow it, and personal returns coordinated with the corporation's.
Real estate and major purchases
Buying a property or a practice through the corporation, personally or through a holdco. Modelled before you commit.
Monthly plans
One monthly fee. No hourly surprises.
Everything is included in the plan you choose. Most physicians land on Growth, which is where the planning lives. Essentials is for corporations that only need the compliance done well.
Essentials
Compliance, done properly
For a single medical corporation that needs accurate books and on-time filings.
- Cloud bookkeeping
- Corporate year-end and T2
- T4 and T5 slips
- Annual year-end review meeting
- Physician personal T11
- HST filings2
Growth
Compliance plus proactive planning
For physicians who want the tax planned, not just filed, and someone who calls first.
- Everything in Essentials
- Salary and dividend optimization, annually
- Mid-year tax planning meeting
- Passive income and investment review
- Managed payroll3
- Spouse and family T1s4
- CRA correspondence tracked5
- Email support for planning and tax questions6
Premier
Multi-entity, fully managed
For established physicians with a holdco, significant corporate investments or a practice to run.
- Everything in Growth
- Holding company and second-entity accounting
- IPP assessment and setup coordination
- Quarterly planning meetings
- Monthly financial reporting
- Coordination with your advisors and lawyer
- Direct line to your CPA
Pricing is confirmed on your intro call. Hover over or tap a number for details.
How it works
Quick enough to move. Thorough enough to get it right.
01/04
Most physicians are set up or transitioned within a few weeks.
1Intro call
Thirty minutes, on video
Where you are, what you have, what is bothering you. We tell you which plan fits and whether incorporating makes sense yet.
2Setup or transition
We do the paperwork
New corporation registered and structured, or existing one transferred from your current accountant with one signed form.
3Monthly rhythm
Books, payroll and filings run quietly
You send documents to one place. We do the rest and flag anything that needs your attention.
4Planning meetings
We call you, before year-end
Scheduled planning conversations where the salary, dividend, investment and holdco decisions get made with time to act.
Get started
Tell us where you are. We will tell you what we would do.
Newly incorporated or twenty years in, the first call is the same: what you have, what we see, and which plan fits. No obligation, and we will say so if you are fine where you are.
Book a meeting
Pick a time that suits you.
A 30-minute conversation about where things stand and what you need. No obligation.
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