Your career demands long hours, dedication, and constant learning. However, even the most accomplished physicians, dentists, and specialists often struggle to devote the same level of focus to their own financial future.
At Schiller, Spence & Associates Private Wealth Management, we help healthcare professionals bring structure and clarity to their financial lives through personalized, advice-first planning. With offices in Lloydminster and Edmonton, we serve clients across Alberta and Saskatchewan (including Kitscoty, Vermilion, Lashburn, Paradise Valley, Paradise Hill, St. Walburg, and Marwayne), helping them turn professional success into lasting wealth and security.
Coordinated advice from a team that understands your world
We know the financial lives of healthcare professionals are anything but simple. From incorporation decisions and tax efficiency to retirement and estate planning, each choice connects to the next.
Our approach brings all these pieces together under one coordinated strategy. Every client has a dedicated team, sometimes two financial planners, so knowledge is shared, momentum stays strong, and every decision is made with precision. For busy medical professionals, that means clarity and confidence without having to slow down your practice.
Tax efficiency through smart structure
Many healthcare professionals operate as incorporated business owners, which opens the door to valuable tax strategies. We help you structure your income to reduce tax burden and accelerate wealth creation. This includes optimizing your mix of salary and dividends, utilizing your corporation to build long-term investments, and designing benefits and deductions that maximize your income's potential. By approaching your finances as a connected system, we ensure that each element, personal, professional, and corporate, supports your broader goals.
Retirement and wealth planning for the long term
Without employer-sponsored pensions, the responsibility of creating retirement income falls squarely on your shoulders. We design plans that make that future secure and tax-efficient. From Individual Pension Plans and Retirement Compensation Arrangements to corporate investment portfolios and permanent life insurance strategies, we ensure your retirement funding is strong, flexible, and built to last. Our high-touch responsiveness ensures that questions are answered promptly, opportunities are acted upon quickly, and your plan stays ahead of change.
Protecting your practice and your family
We help you manage risk while protecting what you’ve worked so hard to build. That includes insurance strategies for income protection, estate planning to ensure your wealth transitions smoothly, and tax-aware investment management to grow and preserve your assets. Every plan is tailored to your goals, your practice, and your family’s needs, delivering the peace of mind that comes from having every detail aligned.
Grounded in community, guided by values
As a firm deeply rooted in Alberta, Saskatchewan and BC, we value the same principles healthcare professionals live by: service, care, and consistency. Our involvement in the Lloydminster Regional Health Foundation and other local causes reflects our commitment to the communities we serve.
Clients often tell us the relationship feels like family, built on years of showing up, listening carefully, and following through.