Financial Guidance
for Your Students
Medical students graduate into one of the highest earning careers in the country, and almost none of them are taught how to handle it. We partner with student associations and wellness offices to run sessions that treat that gap seriously.
Why Estately
We are not a student brand hoping your cohort grows into us. We advise the incorporated physicians your students will become, and we teach the part that applies to them now.
Our approach to estate planning involves not only fundamental tools but also advanced strategies, ensuring that your wealth is transferred to the next generation in the most tax-efficient manner possible.
What Stands Behind the Session:
A National Policy Seat
Gurjeet S. Rai, CFP sits on the board of CALU, the Conference for Advanced Life Underwriting. It is Canada’s professional association for leaders in life insurance and financial advisory, and where policy positions on tax and insurance are shaped.
Advanced Credentials
Two Certified Financial Planners and a Chartered Life Underwriter across a three person leadership team. The CLU is the advanced designation for insurance and estate planning, which is the ground most student questions actually sit on.
Built for Professionals
Our daily work is corporate structures, tax integration and estate planning for Canadian professionals. Your students are five to ten years from needing exactly that, so we can be honest about sequence instead of selling the first product.
Built With You
Each session is designed around what your cohort is actually asking. You see the outline and the material before the date, and you decide what stays in scope.
Probate Planning
Establishing trusts and creating secondary wills can transfer assets outside of probate, ensuring privacy, reducing legal costs, and minimizing delays and expense
Wills
We help you outline the distribution of your assets, name guardians for minor children, and designate an executor.
Power of Attorney
Designate individuals to manage your financial affairs and make healthcare decisions if you become incapacitated.
Succession Planning
Define the future of your business with a clear plan that supports seamless transitions.
What a Session
Covers
Three areas that matter most before residency. We adjust the weighting with your association depending on the year group.
Lines of credit, how interest actually accrues, and what a workable budget looks like on a student income. The mechanics nobody explains before the money arrives.
The one policy that matters before you have assets, because the asset is your ability to work. What association coverage does and does not do, and why timing changes the price permanently.
Residency income, first practice earnings, and incorporation. Where the large decisions land, and which of them are genuinely hard to reverse later.
How It
Works
From first email to session delivered is usually three to four weeks. Nothing is required from your students in advance.
Year of study, size of the group, and the questions your students keep raising. A short call is usually enough to scope it.
You receive the outline and the slides before the date. Anything you want reframed or cut, we reframe or cut. The material is yours to review.
Start the
Conversation
Tell us the school, the year group and roughly when you are planning. We will come back with a proposed outline you can circulate internally.
