Medicus wrapped: Here’s my top 5 list
Reflections from Simone Reitzes, Managing Director, Medicus Pension Plan
Happy New Year! After countless gatherings with family and friends — and some quiet nights at home — I find my energy and optimism renewed for the year ahead. A new year often feels like a fresh chapter, doesn’t it?
Over the holidays, I enjoyed reading year-end lists: Spotify Wrapped, the Best Movies of 2024, and many other roundups. It inspired me to create my own “top five" list to highlight how our plan is uniquely positioned to serve Canada’s physicians — in 2025 and beyond.
Here we go…
Number 5: Medicus can move with you.
Physicians’ careers often come with a lot of transition and relocation, whether for residency, a fellowship, other professional training, or just the way life plays out.
Medicus is designed with geographic flexibility — you can move between our eligible provinces and territories without any interruption to the pension you’re building for your future.
Number 4: No membership fees.
Most physicians are already dues-paying members of a number of associations. Medicus doesn’t require you to join another medical or professional association, so your contributions go solely toward your financial future and more money stays in your pocket.
Number 3: Your voice is our voice.
We’re deeply invested in making sure Medicus supports physicians’ needs. Our Administrative Board includes physician representation, ensuring all decisions are aligned with what matters most to you.
Number 2: Tailored to physicians.
Every feature of the plan has been designed with physicians in mind, so we can maximize the dollars each member receives when they retire. Here are a few standout features:
- Security: your contributions and your lifetime pension are fixed and known.
- Tax efficiency: contributions are tax‐deductible for your corporation and earnings in the plan's assets grow tax‐free.
- A pension for life: Medicus’ pension formula maximizes the dollars you receive during retirement, without any reductions tied to government benefits.
And finally…
Number 1: You are our number one.
Medicus isn’t a one-size-fits-all plan— it’s crafted specifically for physicians’ unique needs and circumstances.
Medicus was created with unparalleled innovation, expertise and advocacy, stemming from our commitment to enhancing the financial wellbeing of physicians and their families across Canada.
Here’s to beginning the new year with energy, optimism and a commitment to the future. As you set your intentions for the year ahead, make sure to include financial self-care — it’s one of the best ways you can invest in yourself. Your future self will appreciate the peace of mind and security you’re building today.
Wishing you health and happiness for the year ahead.
Medicus is available in Alberta, British Columbia, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, the Northwest Territories, Nunavut and the Yukon.
Medicus Pension PlanTM is a trademark of The Bank of Nova Scotia (Scotiabank), used under licence. The Scotiabank and MD logo are trademarks of Scotiabank, used under licence. Scotiabank is the sponsor of the Medicus Pension Plan, which is a registered pension plan and is registered under the Pension Benefits Act (Ontario) and the Income Tax Act (Canada). To determine if the Medicus Pension Plan is appropriate for your retirement planning needs and retirement income objectives, please consult with a financial advisor.
Scotiabank provides banking and credit products and services. Visit scotiabank.com.
MD Financial Management Inc. wholly owns or has a majority interest in the MD Group of Companies. It provides financial products and services, is the fund manager for the MD Family of Funds and offers investment counselling services. For a detailed list of the MD Group of Companies, visit md.ca.
