Financial Partners


At the CSEM, together with MD Financial Management (MD) and Scotiabank, we provide our members with comprehensive financial planning, financial education and banking solutions.

With over a half century of experience supporting physicians, MD is the only national financial services firm dedicated exclusively to the financial health of Canada’s physicians and their families. Scotiabank is a leading Canadian bank that provides a broad range of banking solutions to its customers and communities.

Together, MD Financial Management’s unparalleled understanding of physicians’ financial needs combined with Scotiabank’s deep banking expertise allows us to provide you with a robust suite of comprehensive financial services tailored to your needs.

MD Advisors* spend 75,000+ hours with physicians on average each year1 — this gives them an in-depth understanding of your unique financial needs at every stage of your career. MD’s salary-based Advisors take a team approach to your finances. They help you establish financial goals and work with other MD specialists, including those in insurance and in estate and trust, to provide a comprehensive service focused on reaching your goals and advancing your overall financial well-being.

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, MD has a team of Advisors and Early Career Specialists dedicated to supporting you.

Through the Scotiabank Healthcare+ Physician Banking Program, MD offers tailored banking solutions to Canada’s physicians to help you meet your personal and professional financial needs throughout your entire career.

For more information, visit here.


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cash flow Cash flow calculator medical student Medical school cost calculator
compound growth Compound growth calculator net worth Net worth calculator
retirement Retirement savings calculator rent or buy Rent-or-buy calculator
mortgage Mortgage calculator  

* MD Advisor refers to an MD Management Limited Financial Consultant or Investment Advisor (in Quebec), or an MD Private Investment Counsel Portfolio Manager.

1 Based on a five-year average, from 2015 to 2019.

All banking and credit products and services available through the Scotiabank Healthcare+ Physician Banking Program are offered by The Bank of Nova Scotia (Scotiabank). Credit and lending products are subject to credit approval by Scotiabank. ® Registered trademarks of The Bank of Nova Scotia, used under licence.

Insurance products are distributed by MD Insurance Agency Limited. All MD employees dealing with clients regarding insurance products hold life licences. Estate and trust services are offered through MD Private Trust Company.

MD Management Limited was the first of the MD Group of Companies to be founded in 1969. MD Financial Management Inc. wholly owns MD Management Limited. MD Financial Management provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies. For a detailed list of these companies, visit