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The challenges brought on by the events of the past few years have prompted us to completely re-examine our ways of being and doing, both personally and in our work. At fdp, this reappraisal has inspired us to reaffirm who we are and our reason for being, namely advising and supporting pharmacists, who entrusted us with this mandate over 30 years ago.

Now, these strong roots are more firmly established than ever and they guide all of our actions. In order to achieve our goal of becoming the destination of choice for pharmacists, we have reviewed our service offer to make it even more accessible and better suited to their changing needs, at every stage of their journey.

Today we present to you our new fdp offer for pharmacists*, which has been enhanced with a host of financial benefits for every phase of your professional and personal life, with a special focus on the next generation of pharmacists, who will take the reins and move the profession forward.

Let’s look at your career path to understand these benefits.

Your career path and your financial decisions

The start: studies

At this stage, your financial needs are many and choices must be made, so it’s important to reduce your debt burden and your stress in order to fully focus on acquiring the knowledge and expertise you will need to practise your profession.

The benefit of the Student Advantages offer is immediate: your financial advisor helps you make a budget and manage your debts with private management-type support that is tailored to your needs, with regular follow-ups on your situation as it evolves. You have access to a line of credit at a very competitive rate along with free life insurance, as well as banking services provided by our partner National Bank.

And if you appreciate our advice and service, you can refer one of your fellow students or residents to us and you will each be entitled to a $50 remittance!
 

The challenges of starting a practice

Finally, you’re in practice. But starting a practice calls for many decisions that will have repercussions for years to come. Making the right choices, acting at the right time, finding advice that is truly tailored to your reality: it’s not easy when everything is new and you lack points of reference. That’s why we want to give you a helping hand for some of the more critical aspects.

Start a good savings plan by becoming an fdp client and get a 15% rebate on your account management fees for the first year, a very attractive discount that will translate into gains in your investments.

Take advantage of our New Practice Advantages offer, which provides you with a reimbursement of $750 on the notary costs related to the purchase of your first property and $750 on the notary costs related to the production of your first will, protection mandate or general power of attorney.

If you are thinking of buying a pharmacy which is an important decision in your career, first talk to your advisor: he can support you in the process and share our experience and expertise on these matters.

Practice: mastery and accomplishments

During all your years of practice, you will benefit from a set of integrated, independent services targeted to your situation, including a detailed financial projection, our customized tax service with analyses and advice from our tax specialists to optimize each of your financial decisions, and our specialized notary service, with recommendations on the legal aspects of your marital status and the planning of your estate. These services are free and they are the gateway to all of our expertise.

Through our partner National Bank, you also have access to personal or professional transactional and financing solutions, at very competitive rates.

And if you are an employer, take advantage of our group RRSP service, an effective solution to provide a retirement savings plan for your employees, while avoiding administrative hassles.

In all circumstances, we’re there for you, ready to step in to help you advance towards your goals or provide an answer to a financial question that requires our expertise.

Refer a client to us who is a member of one of our five shareholder groups and you’ll be able to take advantage of our fdp Referral Advantages, which include a 15% rebate on your management fees.

Retirement: another new beginning

Then comes the time for partial or complete retirement from your practice. Reviewing your financial projection to ensure that you are still on track is of the utmost importance, and your advisor will do this with you, making adjustments if necessary.

If you own a pharmacy and are planning on selling it, he can also help you in the financial considerations concerning this transaction and in the ensuing decisions.

Our tax specialists will help you, among other things, to optimize your decumulation plan and decide on the future of your corporation (if applicable).

Our notaries will study your situation and give you their best recommendations for your will and your estate, particularly with regard to estate assistance, a liquidator service and a testamentary trust.

Our objective? To offer you personalized and attentive guidance that will put you on a solid footing and give you peace of mind.

Finally, if you haven’t already done so, share with your loved ones the benefits accruing to you from your financial situation with our Family Advantages offer. Focused on continuity, it provides the members of your extended family with all the advantages of private management as well as a reduction in your annual management fees. It is an added value that continues over time, over the generations and that enriches all your loved ones.

fdp, private management for pharmacists

This quick overview of our offer gives you an idea of its scope: your advisor, who knows you well, can tell you more about it.

We know how the right advice, given at the right time by an expert who understands your reality and wants to help you, can create positive and uplifting financial circumstances. We want you to be able to achieve your personal and business projects with confidence: our new offer for pharmacists was developed for you, with this in mind.

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