Investments

Imagine an investment firm that specializes in working with dentists. That's CDSPI—offering a wide range of investment solutions tailored to your profession and your goals.

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CDSPI’s investment solutions are built solely with the needs of Canadian dental professionals in mind.

An important part of our mandate is to provide the Canadian dental community with access to a full-suite of high-quality investment solutions. We're proud to partner with leading financial institutions to offer award-winning investment funds, private wealth management services, self-directed investing, and more.

  • CERTIFIED FINANCIAL PLANNER® (CFP®) professionals

    Get expert financial planning tailored to you. All our Investment Planning Advisors hold the CFP® designation—recognized as the gold standard in financial planning—bringing deep expertise and insight into the unique financial needs of dentists.

  • Objective, unbiased advice

    Our Investment Planning Advisors do not receive any third-party commissions for any funds or services they recommend, ensuring you receive objective, unbiased advice.

  • Access to award-winning family of funds

    We've partnered with leading fund managers to offer exclusive access to a diverse lineup of low-fee investment funds rated #1 in performance.*

Our Investment Solutions

A comprehensive line-up of investment solutions designed to help you reach your financial goals and adhere to your risk tolerance.

CDSPI Funds

A suite of professionally managed, low-fee, top performing funds suitable for all risk portfolios. Rated #1 in performance for the second consecutive year.

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Financial Planning Services

Comprehensive (and complimentary) financial planning services that fit your unique situation and align with your goals and risk tolerance.

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Private Wealth Management

Investment clients with over $1 million in assets can delegate the active management of their portfolio to Cumberland Private Wealth. 

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Guaranteed Daily Interest Account

An exceptional high-interest savings account designed to deliver daily returns that surpass conventional bank accounts.
 

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Permanent Life Insurance

Unlock trapped cash from your corporation tax-efficiently and fund your retirement, while protecting your loved ones and assets.

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Self-Directed Investing

For those seeking full control of their investments, handpick your investment funds according to your goals.
 

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Investment Account Types

You can use a number of different account types to accumulate your savings and investments. The two main account categories are registered accounts (for tax-efficient saving) and non-registered accounts (for taxable, liquid saving).

Registered Plans

Registered accounts are tax-advantaged accounts that help you save for an objective such as savings for your retirement, financing a child's education, or getting tax-efficient income in retirement. These can include RRSPs, RRIFs, RESPs and TFSAs.

Non-Registered plans

Non-registered accounts are taxable investment accounts that you can use to supplement your registered savings. These accounts offer the benefit of liquidity, and can include a variety of investment accounts and individual pension plans (IPPs).

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Grow your wealth and invest with confidence.

Not sure what's right for you? Our Investment Planning Advisors are here to help. We have advisors located across the country, available to meet with you, answer questions, and guide your investment strategy.

Investment Resources

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Tariff Update: Insights and analysis on the imposition of U.S. tariffs on Canada

U.S. President Trump followed through on his threat that April 2 would mark a “Liberation Day” of tariff hikes to counteract what the White House perceives to be ‘unfair’ trade practices.
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CDSPI Funds Top the Table for the Second Year in a Row!

For the second consecutive year, CDSPI’s Family of Funds ranked #1 in investment performance based on data from Morningstar Direct.
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A Grain of Salt

If you're turning to social media for your financial advice, this is what to watch out for.
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Debt: Minimizing Stress and Maximizing Benefits

The odds of successfully managing debt, and your stress are better when you create a clear plan of action to pay it down.
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A Market Update from Cumberland Private Wealth

Our partner, Cumberland Private Wealth, has prepared an exclusive Quarter-End report on the current market volatility following recent geopolitical events.
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Investing as a New Dentist – What You Need to Know

We'll help you create a financial plan that balances risk and reward to help you achieve your financial goals.
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Passing Down the Family Cottage: An Interview with Shawna Perron

For those who wish to keep the cottage in the family, careful planning is essential to avoid significant tax burdens that come with inheriting a property.
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Don’t Pay Unnecessary Taxes: 6 Tax Minimization Tips for Dentists for 2024

Keep more of your hard-earned income by planning ahead.
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Five Key Financial Considerations for Dental Grads

As new dental graduates embark on their careers, equipping them with financial knowledge sets them up for success.
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Consider Making Your Corporation Part of Estate Planning

The goal is to meet your own needs during your lifetime, while maximizing what you leave for others. That’s where your dental corporation can play a key role.
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Customize Your Retirement: Consider an Individual Pension Plan (IPP)

If your practice is incorporated and you are looking for a more significant nest egg with even better income tax protection than an RRSP, an Individual Pension Plan could be the answer.
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Demystifying Trust Funds for Dentists

They can provide long-term financial flexibility that creates many options for sharing and preserving wealth and optimizing tax savings.
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Interest Rate Hikes Spark Interest in Annuities

How would you like to have an investment that is considered safe and will pay you a guaranteed income every year for the rest of your life?
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Beyond the Stars: CDSPI Shines with Morningstar Ratings

When it comes to measuring fund performance, the Morningstar Rating system is one of the most widely used tools to offer guidance for investors.
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Diversifying Your Portfolio: Understanding Asset Classes

Diversification might sound like a financial buzzword, but it is key to building a healthy and resilient investment portfolio. Think: don't put all your eggs in one basket.
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Laddering: Safely Scale to New Financial Heights

Laddering is a straightforward, low-risk investment strategy that involves systematically investing a set amount at regular intervals in low-risk investments.
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Dollar-Cost Averaging: A Smoother Path to Success

While it might sound complicated, dollar-cost averaging is a simple concept that can lead to results that are anything but average.
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The First Home Savings Account: Your Questions Answered

The first home savings account, or FHSA, is a new savings tool to help first-time homebuyers purchase a home by offering tax advantages.
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Let the Experts Manage Your Wealth so You can Manage your Life.

If your attention is pulled in too many directions, it may be time to delegate the job of investment management to a team of experts who specialize in the needs of high-net-worth professionals.
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Escalators, Elevators and Swings. Advice for Riding the Stock Market.

In the world of the stock market there’s an old truism that you might have heard—as a general rule, markets take the escalator up and the elevator down.
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Debt: Minimizing Stress and Maximizing Benefits

Some people want to pay off debt as soon as possible and are conflicted by the fact that investing for the future is also important. But which takes priority?
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TFSA or RRSP? It Depends on Your Financial Plan.

Every year around this time, we get asked whether it's best to invest in an RRSP or TFSA. Like many things, it depends and both accounts have their benefits.
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TFSA Strategies

For more than a decade, advisors across the country have been pushing their clients to invest in one of the greatest tax strategies Canadians have at their disposal: the TFSA.
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Video: In Conversation with Dentists at Every Age and Stage, Part 3

Learn how CDSPI and Cumberland have supported Dr. Kiazyk over the years, and how they have helped the couple avoid financial stress.
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Video: In Conversation with Dentists at Every Age and Stage, Part 2

What are other dentists saying about CDSPI?

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Dr. Chris Kiazyk

Retired Dentist

I’m very pleased to say that working with Gino Ciavarella from Cumberland Private Wealth has been a fantastic experience. I’ve referred many of my colleagues in Manitoba and he’s even used me as a reference for dentists across Canada who’ve called me up.

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Dr. Jerry Wowchuk

Retired Dentist

I’ve had insurance and investments with CDSPI since I started practising 42 years ago. The main thing I looked at was their low administration fee and the fact that they weren’t on commission, which is important to me. I always felt that they worked with my best interests at heart.

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Dr. Khash Gharavi

Dentist

CDSPI is the only financial services organization that is focused on dentists. They really know our business and tailor their products and services to us. CDSPI also takes a more holistic approach. Its not just about finances, but about ongoing learning and being connected to the full dental community.

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Dr. Gerry Solomon

Retired Orthodontist

As an orthodontist in transition to retirement, I was seeking investment, tax and estate-planning advice and was fortunate to be introduced to Lamees Rahif. I appreciate her integrity and am confident that she will continue to monitor my changing circumstances and help ensure my long-term financial security.

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Dr. G.W. Johnson

University of Saskatchewan, College of Dentistry

The “free insurance” that CDSPI provides is an obvious benefit, and the financial advice is especially important at a time when many are looking at massive student debt upon graduation. I support the Student Program, as CDSPI provides dependable insurance and investment advice to the dentists of tomorrow.

Dr. Michelle Bazinet

Dentist

Great returns. Easy to get in touch with my advisor, easy to make transactions. The best part is being able to make deposits into investments while doing my online banking.

Dr. Jana Kuanysheva

Dentist

Our advisor is the most knowledgeable and compassionate advisor I ever came across, I received the most valuable expert advice based on thorough assessment and developed a good financial strategy on personal and business side. CDSPI is now for me my number one source for all financial and insurance matters. 

Helen Rosebush

Family member of a Dentist

I trust the advice given by my advisor and the partnership with Cumberland. They genuinely care about your objectives. I value the continuity of their support.

Dr. Robert Cram

Dentist

I have found that the staff are all very helpful. We really appreciate the extra effort our advisor makes on our behalf, sending us quarterly Investment and Fund reports, for our personal and our corporate accounts. 

Our Investment Partners

Invesco Ltd. logo. (PRNewsFoto/Invesco, Chris Wilson)
Cumberland Private Wealth Management Inc.
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Logo CI Investments
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We're Here to Help

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Give us a call

Our team is available weekdays, 8:30-4:30 pm.

1.800.561.9401

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Send us a message

You'll receive a response within 2 business days.

insurance@cdspi.com
investment@cdspi.com
cdspi@cdspi.com

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Speak with an Advisor

For customized advice, you can meet with a licensed advisor to discuss your needs.

*Catherine Harris, Best seg funds of 2024 leaned on Magnificent 7, March 13, 2025, Investment Executive. Past performance is not indicative of future results.