Brad Norman, CFP®, MSc (med)
Questions? Call or text (709) 309-1990
Email: bnorman@alignedcp.com
Canadian Pharmacists:
turn your good income into Lasting, Tax-Efficient wealth.
We help busy pharmacists reduce taxes, optimize cash flow, and build a coordinated plan for investing and retirement.
Get started with a free financial guide, specifically written for pharmacists who want to make smarter decisions with their money and build towards a better life.
Over a decade serving pharmacists
CFP® Practitioner
Collaborates with your accountant and lawyer
Virtual or in‑person across Canada
Prefer to talk? Book a 30-minute consult here
Why Pharmacists Work With Me
- Tax-efficient planning for pharmacists: Keep more of your money whether your income comes from T4/T5, relief/locum income, dividends or profit-share.
- Smarter debt decisions: student loans, mortgage prepay vs invest based on after‑tax math.
- Clear path to practice ownership or career flexibility.
- Retirement income design: turn savings into reliable, tax‑efficient paycheques.
Pharmacist-specific problems are fixable with a plan tailored to pharmacy life in Canada.
How we work.
Request a free financial guide
Download "The First 10 Years" - Financial Guide for Canadian Pharmacists (instant PDF)
Book your free consult
30‑minute consult: your questions answered, no pressure.
Build a plan
Collaborate one‑on‑one with a CFP® who specializes in pharmacists
Ongoing Refinement
Things change. We adjust your plan as life, markets, and tax rules change
Who we Serve.
Pharmacy is a unique career path.
Whether you're an employee, an owner,
an IPG or student still working towards
licensing, you need a plan that's specific
to you.
Owners
If you own (or co-own) an independent, or are an associate owner of a major chain, the stakes are high. The wealth potential, and pitfalls, that come with ownership are significant and you need a financial planner who is intimately aware of what's involved. We've been involved with pharmacy owners at every stage of the journey. Helping with valuations for buy-in/buy-out, structuring deals, protecting your personal assets, and growing your wealth. All while planning for long-term tax mitigation.
Employees / Relief
Having a strong, steady paycheque is nice, but comes with its own problems. High tax rates and slow wage growth can hurt your long-term wealth if not addressed proactively. We help you strategically turn your pay into income-producing assets, reduce your taxes, so more of your money stays with you.
For relief/locum workers, tax is an extreme concern because often it's not deducted at source. We help establish mitigation strategies, such as deduction optimization and incorporation where appropriate.
Students and IPGs
Starting strong is critical. The decisions you make early in your career set off a cascade of effects that can make or break your wealth. We're experienced with helping strategically pay down student debt while building towards your other priorities. We provide guidance on internship and first-offer negotiations to ensure you're getting a fair offer and optimal benefits.
For IPGs relocating to Canada, we have a network of resources to make your transition to your new home seamless. From PEBC prep to understanding the Canadian financial system, we are here to help.
Working with Brad has given me so much confidence in my future. Before, it felt like we were just guessing. Putting money away, but never sure if we were actually doing it right. Now, I have a clear plan.
—
HEATHER
PharmD, Kingston, ON
Meet Brad.
For more than a decade, I have been helping time-strapped pharmacists throughout Canada turn their income into lasting wealth with coordinated, tax-aware planning.
- Certified Financial Planner (CFP®): Rigorous standards in education, experience, and ethics.
- Master of Science in Medicine: Trained to analyze complex problems and act with evidence-based processes.
- 10+ years with medical professionals: Coordinating planning with your accountants and lawyers so everything works together.
- Flexible scheduling: No “banker hours.” Meet by phone, Zoom, or in-person, whenever it works for you.
Contact us.
We help pharmacists all across Canada and we're equipped to meet with you however is most convenient. Whether by phone, Zoom, or in person at our office in St. John's, we're ready to help you build stronger wealth.
Contact us today to schedule a free consult.
Email: bnorman@alignedcp.com
Call or text: (709) 309-1990
Not ready to book a consult?
Join our mailing list to receive a free copy of "The First 10 Years", an eBook written specifically for Canadian pharmacists who want to take their money serious.
What you'll learn
- The pharmacist reality check: Why a strong salary can still feel tight, and how to fix the cash-flow squeeze fast
- How to approach the problem of, "I don't necessarily want to be rich, but I want options in life to do what I want without getting trapped in a paycheque."
- The 5 early-career mistakes pharmacists make (and the simple habits that prevent them)
- A 4-pillar foundation: cash flow, emergency fund, debt strategy, and early investing
- TFSA vs RRSP vs FHSA: which to use first based on your income, taxes, and life goals
- Smart use of professional lines of credit for licensing, moving, and setup, without turning them into long-term anchors
- A year-by-year roadmap for your first 10 years so you always know the next right step
©2026 Brad Norman, CFP®. All rights reserved.
Aligned Capital Partners Inc. (“ACPI”) is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided through ACPI. Only investment-related products and services are offered through ACPI and covered by the CIPF. Insurance services are provided through Foundation Financial Inc. Foundation Financial Inc. is an independent company separate and distinct from ACPI.