Financial Resources

MD Financial Management (MD) & Scotiabank Healthcare+

Through BPAO’s partnership with MD Financial Management (MD) and Scotiabank Healthcare+, you have access to comprehensive financial planning, financial advice, and education and banking solutions geared to the needs of physicians and medical learners.

With more than 50 years of experience supporting physicians, MD is the only national financial services firm dedicated exclusively to the financial well-being of Canada’s physicians and their families. A leading bank in the Americas, Scotiabank helps its customers, their families and their communities achieve success through a broad range of advice, products, and services. Combining MD’s unparalleled understanding of physicians’ financial needs with Scotiabank’s deep banking expertise allows us to provide a robust suite of comprehensive financial services tailored specifically to physicians’ needs and circumstances, including the uniquely co-created Scotiabank Healthcare+ Physician Banking Program .

If you’re a physician, contact an MD Advisor near you to find out how they can help. If you’re a medical student or resident, you can contact MD’s team of Advisors and Early Career Specialists , who are dedicated to supporting you.

Plan Your Future

Cash Flow Calculator

Calculate your estimated total annual or monthly cash flow by entering your current income and expenses – then, work with an MD Advisor to determine how to best utilize your cash flow and achieve your financial goals.

Tuition Cost Calculator

We all know that med school is expensive — but just how much is it really going to cost you? From tuition, to rent, to residency matching expenses, get a clearer view of your costs by building and tracking a personalized med school budget.

Growth Compound Calculator

See how much interest you can earn on your investments over time with compound growth, and calculate the total value of your investment over time to see what it will take to meet your
investment goal.

Net Worth Calculator

Estimate your total net worth based on your current assets (what you own) and liabilities (what you owe), and compare your results to other Canadian households by age and/or by province.

Rent or Buy Calculator

Calculate the costs associated with buying and owning a home, then compare with the equivalent monthly rent to help decide if renting or buying is the best option for you.

Retirement savings Calculator

Estimate how much your retirement savings and investments will be worth at retirement, and compare against your desired retirement income to see if you are on track to meet your goals.

Mortgage Calculator

Calculate and compare mortgage scenarios, get personalized reports and even apply for a mortgage here.

MD Webinars

Register now for one of our virtual presentations designed for Canadian physicians and their families

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