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As a medical student you will face many decisions that can affect your future financial stability and security. At the start of residency the average medical student has over $150,000.00 worth of debt. This is an investment you have made in yourself, and it is critical that you make smart decisions now to protect it. 

A great place to start is planning for your future financial growth with the help of one of A.T. Financial’s advisors.

Your individual situation is unique, and as such requires products and solutions specific to your needs, level of debt, and financial goals. We work closely with you to customize solutions and ensure that all the best options are available to you. You can feel confident that in partnership with our team you have set yourself up for success, both in the short, and long term.

We provide: 

  1. Cash Flow / Debt Management
  2. Insurance Needs  
  3. Tax-saving Strategies 
  4. Investment Portfolio
  5. Retirement Planning 

As a Medical Student

As a medical graduate you can apply for a monthly benefit of up to $4,500, and receive a 25% discount with RBC plus an additional 12 months of coverage for  free. The process has:

  • A simplified application
  • No medical underwriting 
  • A future insurability option of up to $25,000/month
Medical StudentMax. Issue Limit
1st / 2nd Year $2,000
3rd Year$3,000
4th Year $4,500
Resident $4,500
General Practitioner$7,500
Fellowship $8,500
Specialist $10,500
Physician $25,000 (Class Max.) 

Upon finishing Residency

RBC offers a one-time special top-up to increase:

  • the monthly benefit up to $6,500/month for a Family physician or $10,000/month for Specialists;
  • the increment of FIO from $1,000 to $3,000 annually. 

When Entering Practice

As you move into your first year of practice, your financial situation and goals will change. Here are some common questions we provide answers to. 

  1. When is a good time to incorporate?
  2. What tax saving strategies are available for corporations?
  3. What saving and investment strategy is best for me?
  4. How do I consolidate my debt?
  5. How can I manage my investment portfolio to have higher returns without increasing my risk?