Physicians in Training

Transitioning from medical school to a professional career can be challenging, whether you’re moving into residency, fellowship or starting practice.

Since 2003, Integrated Financial Strategies has been a trusted authority for medical students, residents & fellows as they embark on the different stages of their medical careers.

Wondering where to begin?  We’re here to guide you through complex questions.

Why is it important to seek insurance and financial planning advice upon graduation?

As a new physician, you need to make important insurance and financial decisions now that will significantly impact your professional career as well as your personal long-term financial goals.

Our experts will help you navigate the insurance and financial planning issues you will encounter when you graduate from medical school and start the next chapter in your career.

I’m a medical student transitioning into residency.

Being proactive and prepared is important at every stage. In much the same way that you encourage your patients to be proactive with their health, we encourage you to be proactive by protecting yourself against the risks you face.

  • What is the difference between individually owned and group disability insurance?
  • What is the right disability insurance plan for me? Which plan offers me the best protection?
  • Why is it important to have a disability insurance policy with guaranteed premiums and policy provisions?
  • What should I do about my student debt?  Should I consolidate my government loans to my line of credit?
  • When should I consider life insurance – now or when I’m more established?
  • What tax credits and/or deductions am I eligible for at this point in my career?

I’m a resident or fellow transitioning into professional practice.

You already know the benefit of being proactive. During your medical training, you have encouraged your patients to take preventive measures to avoid future health problems, because it’s good advice for them. The same principle applies to you.

Now is the time to be proactive about protecting yourself against the risks you face personally and professionally, as you embark on the next stage of your medical career.

  • What is the difference between individually owned and group disability insurance? Which plan offers me the best protection? Which plan provides me with guaranteed policy premiums and contract provisions?
  • What is the right type of life insurance for me? When should I consider purchasing life insurance? How much do I need?
  • What is critical illness insurance and why do I need it? How is it different than disability insurance?
  • When is the right time for me to incorporate my medical practice?
  • When do I need to start repaying my line of credit to the bank?

Reach out to our team to learn more about the right plan for you.
Advisory services are complimentary.

Reach out to learn more

Learn about the RBC Insurance – Disability Insurance Offer for Medical Students, Residents & Fellows


As a self-employed individual, disability insurance is first of the “insurance building blocks” we recommend. Learn more about  Disability Insurance  in  Insurance Explained.

Mark is loyal, he is honest and has attention to detail. He made the effort to get to know me, my husband, and my family. He cares and is genuinely interested in who we are as people. It is not just a tick the boxes interaction with him.

Dr. Ruth Caperchione – Family Physician