Being a physician is demanding, rewarding, and often all-consuming. Yet while you focus on patient care, your own financial life can become complicated. At Mastroianni & Associates Private Wealth Management, we focus on financial planning for doctors. Whether you are an incorporated specialist, a family physician balancing practice and family life, or a doctor just starting your career, our role is to provide the structure, clarity, and strategy you need. As your financial advisor for physicians, we help turn today’s hard work into long-term wealth, security, and freedom. Our Windsor-based team has deep experience supporting medical professionals with strategies that integrate corporate planning, tax optimization, retirement design, and wealth preservation.
A financial plan designed for physicians
We believe the best financial advisors for doctors start by understanding not just your income, but your entire life. High earnings don’t always equal financial freedom, especially when rising tax bills and complex decisions compete for your time. Our approach to financial planning for physicians addresses every stage of your career. We help optimize corporate structures, create holding companies, and manage retained earnings so your wealth works harder. We also focus on protecting your family with corporate-owned insurance, building investment portfolios that align with your goals, and preparing succession plans for when you’re ready to step away. Every financial plan for physicians we design is unique, reflecting your professional commitments, family priorities, and vision for the future.
Collaboration that gives clarity
Doctors are often surrounded by multiple professionals—accountants, lawyers, bankers—all speaking different financial languages. As a financial advisor for doctors, we act as the quarterback who brings everyone together. We sit in on meetings with accountants, coordinate legal strategies, and ensure every detail fits into one cohesive plan. Clients tell us they feel reassured knowing that nothing is left out, and that their financial advice for doctors is not only specialized but seamlessly implemented. This hands-on, proactive collaboration ensures opportunities are captured and risks are minimized. It’s one of the key reasons physicians across Windsor and southwestern Ontario see us as the best financial advisors for doctors.
Tax-smart strategies and wealth growth
For physicians, tax efficiency is critical. That’s why we focus on strategies that minimize tax exposure while maximizing growth. From structuring compensation between salary and dividends to leveraging deductions for practice expenses and continuing education, we ensure your income is optimized. We also help design retirement plans for physicians who don’t have traditional pensions. This includes using Individual Pension Plans, corporate investments, and permanent insurance strategies that provide stability and liquidity. By taking a proactive approach, we ensure your financial plan for physicians not only protects your current lifestyle but also creates long-term wealth that transitions smoothly to your family.
Why physicians choose us
Our clients describe our wealth management team as responsive, dependable, and family-like. That’s because we treat every doctor client with the same care and attention they would give their own family, taking time to explain, reassure, and walk through decisions together.