by MD Financial Management
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Some information from our Legal and Compliance teams:

Last Updated: February, 2019

General is owned and operated by MD Financial Management.

The information available on the onboardMD website is not intended to offer foreign or domestic taxation, legal, accounting or similar professional advice, nor is it intended to replace the advice of independent tax, accounting or legal professionals. Incorporation guidance is limited to asset allocation and integrating corporate entities into financial plans and wealth strategies. Any tax-related information is applicable to Canadian residents only and is in accordance with current Canadian tax law including judicial and administrative interpretation. The information and strategies presented here may not be suitable for U.S. persons (citizens, residents or green card holders) or non-residents of Canada, or for situations involving such individuals. Employees of the MD Group of Companies are not authorized to make any determination of a client’s U.S. status or tax filing obligations, whether foreign or domestic. The MD ExO® service provides financial products and guidance to clients, delivered through the MD Group of Companies (MD Financial Management Inc., MD Management Limited, MD Private Trust Company, MD Life Insurance Company and MD Insurance Agency Limited). For a detailed list of these companies, visit MD Financial Management Inc. provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies.

The commentary provided is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice, nor should it be relied upon in that regard.

MD MedEd Counsel™ services are provided by MD Management Limited.

MD Direct Trade™

MD Direct Trade™ is a division of MD Management Limited, member of the Canadian Investor Protection Fund.

MD ExO® Direct

MD ExO® Direct is an investment solution brought to you by MD Management Limited. MD Management Limited – Member – Canadian Investor Protection Fund.

Qtrade Investor

Qtrade Investor is a division of Credential Qtrade Securities Inc., member of the Canadian Investor Protection Fund.

Mutual Fund Information

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed. Their values change frequently and past performance may not be repeated. To obtain a copy of the prospectus, please call your MD Advisor, or the MD Trade Centre at 1 800 267-2332. The MD Family of Funds is managed by MD Financial Management Inc.

MD Management Limited

Registered education savings plans (RESPs) and tax-free savings accounts (TFSAs) are provided by MD Management Limited.

MD Private Trust Company

Estate and trust services are offered through MD Private Trust Company.

MD Private Trust Company - Regulatory Disclosures (Basel III) – Pillar 3 Public Disclosures Regulatory Disclosures Archive

In the province of Quebec, notarial wills do not require probate, whereas the majority of wills do require probate and are subject to a fixed application fee. All references to probate and probate tax on the MD Financial Management Inc. website should be read accordingly.

An “executor” is called a “liquidator” in the province of Quebec and an “estate trustee” in the province of Ontario.

In the province of Quebec, a “power of attorney” is called a “procuration” or a “mandate.”

In the province of Quebec, a “continuing power of attorney” is called a “protection mandate.”

MD Insurance Agency Ltd.

Insurance products are distributed by MD Insurance Agency Limited. All MD employees dealing with clients regarding insurance products hold life licences.

MD Stable Income Fund is not a mutual fund. It is a segregated group annuity policy, issued by MD Life Insurance Company. Important information about this product, including potential restrictions or adjustments to redemptions, can be found in the MD Stable Income Fund Group Annuity Policy Certificate, which can be obtained by contacting the MD Trade Centre at 1 800 267-2332 or online at Please read it carefully before purchasing. All MD employees dealing with clients regarding insurance products hold life licences.


Banking and credit products and services are offered by The Bank of Nova Scotia “Scotiabank”. Credit and lending products are subject to credit approval by Scotiabank.

Videos and Transcripts

These presentations are provided for informational purposes only and should not be considered investment advice or an offer for a particular security or securities. Please consult your MD Advisor for additional information concerning your specific wealth management needs. – refers to transcripts from videos.

Trademarks and copyright

MD ExO®, MD Direct Trade™, MD Plus™, MD Fossil Fuel Free Funds™, MD Precision™, MD Precision Portfolios™, MD MedEd Counsel™ and Joule™ are Trademarks of The Bank of Nova Scotia, used under licence.

CFP® is a trademark of Financial Planning Standards Council, unless indicated.

FTSE® is a trade mark owned by the London Stock Exchange Group companies and is used by FTSE International Limited (“FTSE”) under licence.

© 2016 MD Financial Management Inc.