I used to think the smartest physician investor was the one who did everything themselves.

Spoiler: I was wrong. And it cost me.

Here's what I've learned: there are really three investor types — DIY, Validator, and Delegator — and none of them is the gold standard. The one that's right for you depends on where you are in your career, how much complexity has crept into your finances, and honestly, how much time you actually have.

The bigger mistake? Staying in the wrong type too long.

After weeks of gathering T-slips, most physicians are ready to hand everything off and move on.

But what if those slips are telling a much bigger story?

Most physicians were taught one simple rule about RRSPs: max them out. But RRSPs don’t exist in a vacuum.

As income rises, incorporation enters the picture, and tax brackets evolve, RRSP contribution priority changes. What works early in your career can become neutral — or quietly inefficient — later on.

You’ve probably heard the phrase “salary versus dividend” when it comes to paying yourself as a physician. But here’s the thing: not all dividends are created equal. There are different types of dividends — and some are a lot cheaper than others.

ElevateMD founder Dr. Genhee So sits down with her accountant, Simon Francis, for a candid conversation about the recent federal budget — and what it really means for high-net-worth, incorporated physicians. Together, they break down what’s relevant on both the corporate and personal sides, helping you make sense of the updates that actually impact you.