Personal and Business Banking for you with CDSPI and Scotiabank

Meet with a Scotiabank Healthcare+ Specialist

scotiabank-personal-business-banking-dentists

At CDSPI, our mission is to provide a broad and meaningful range of customized financial solutions to the dental community, covering every facet of their lives.

As a valued client of CDSPI, you enjoy the umbrella of financial services offered to you as a benefit of your dental association membership. As your trusted advisors, CDSPI can refer any of your personal and business banking needs to Scotiabank^® through a dedicated network of Scotiabank Healthcare & Professional Specialists and Advisors, ultimately delivering a broader suite of end-to-end financial solutions customized for dentists.

CDSPI clients will continue to be served by the Insurance and Investment Planning Advisors at CDSPI Advisory Services Inc. for insurance, investment and private wealth management advice and solutions. When it comes to your banking and financing needs, the dedicated team of Healthcare Specialists at Scotiabank are the perfect complement.

Dental Students

Dental students need a robust suite of banking advice and services, including education financing with preferred rates² and flexible repayment terms after graduation, plus a line of credit and premium credit cards. Students have access to an enhanced range of services through the Scotiabank Healthcare+ Dentist Banking Program.

Banking for Dental Students

Associates

The Scotiabank Healthcare+ Dentist Banking Program^Δoffers advice and banking solutions that are designed with the unique needs of dental associates in mind. As a dental associate you can receive preferred benefits on a wide range of personal banking solutions to help you manage your finances and help you plan your future and career.

Balancing the financial demands of student loans, home ownership or saving for your own practice can be complex and require careful planning. It's important to create a financial plan that takes into account both your short-term and long-term goals, as well as your current financial situation. Seeking the advice of a financial professional from CDSPI and Scotiabank can be helpful in navigating these challenges and developing a strategy to achieve your financial goals while taking advantage of the unique benefits and offers available to you.

Banking for Associates

Practice Owners

The Scotiabank Healthcare+ Dentist Banking Program^Δ is a comprehensive suite of banking products and services designed to support you at every career and life stage including personal and business bank accounts, lines of credit, mortgages and up to 100% practice, leasing and equipment financing options¹, all with preferred rates² and flexibility - tailored to the specific needs of dental professionals.

Banking for Practising Dentists

Retiring Dentists

Planning for retirement is an essential step for professionals who want to secure their financial future. As a professional, it is crucial to start planning early to ensure that you have enough funds to sustain your lifestyle during retirement. Additionally, it’s important to review and adjust your retirement plan regularly, as life circumstances and financial goals can change over time.

The Scotiabank Healthcare+ Dentist Banking Program^Δ offers tailored advice, benefits and banking solutions for dentists to support you as you plan and transition into retirement. Let the team at Scotiabank focus on your financial well-being so you can spend your valuable time on what matters most as you begin the next phase of your life.

Banking for Retiring Dentists

Insights from Scotiabank

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.

Transitioning from Dental Student to Associate

Now that you’re about to earn your own income, it’s a good time to start thinking ahead to take stock of your goals.

New Dental Grad? Here are 5 Smart Ways to Manage your Debt

With the cost of dental school ranging from $60,000 to over $200,000, depending on the school, you’ve just obtained the most expensive university degree in Canada.

Graduating from Dental School? Is it Time to Buy a Home?

Fortunately, as a dentist, your potential strong future earnings can help make home ownership a reality. Before taking the leap into home ownership, however, there are several important factors to consider.

5 Things for Dental Students to Consider When Financing Their Education

The cost of tuition for a four-year degree from a Canadian dental school can run over $200,000. But the good news is you’ve got options.

3 Smart Strategies for Financing Dental School

There are options that can help, ranging from government student loans to bank student line of credits, scholarships and bursaries.

Simple Tips for Managing a Successful Dental Practice

Here are five ways to help your practice thrive.

Tips for Financial Success After Dental School

If you’re currently in dental school or a recent grad, here are five ways to help you start your career on solid financial footing.

Using Digital Technology to Transform Your Dental Practice

From streamlining appointments to improved diagnosis and treatment options, digital technology is transforming today’s dental practice.

5-ways-to-improve-your-dental-practice-cash-flow

Five Ways to Improve Your Dental Practice Cash Flow

As a dentist, caring for your patients is your top priority, however you may sometimes face some difficult decisions that could impact your cash flow.

Should you Open a Second Dental Practice?

While expanding your practice may be financially rewarding, there are several points you’ll want to consider ensuring that your second location is as successful as your first.

Ready to Buy or Lease Real Estate for Your Practice?

Whether you are starting a new practice or have outgrown your current practice's location, there can be benefits to both leasing and buying real estate.

FAQs

What are the benefits of this arrangement for dentists?

CDSPI clients have access to holistic advice and a suite of banking solutions that are customized for dental professionals —including premium bank accounts and borrowing solutions such as practice financing, equipment and leasehold improvements, education financing, premium credit cards and mortgage solutions that offer convenience and flexibility — tailored to the specific needs of dentists.

Does a dentist or dental student need to be a member of a PDA or CDA to be eligible?

What are the benefits for dental students?

Students have access to a robust suite of banking advice, benefits and services, including education financing with preferred rates² and flexible repayment terms after graduation, plus a line of credit and premium credit cards through the Scotiabank Healthcare+ Dentist Banking Program. Scotiabank also has a dedicated team of Healthcare & Professional Advisors who work exclusively with professional students and understand the unique needs of dental students.

Will my personal information be shared with Scotiabank?

Will hygienists, certified dental assistants or dental nurses, dental therapists and dental staff be eligible to participate in the Scotiabank Healthcare+ Dentist Banking Program?

^® Registered trademarks of The Bank of Nova Scotia, used under licence.

All banking and credit products and services available through the Scotiabank Healthcare+ Dentist Banking Program are offered by The Bank of Nova Scotia (“Scotiabank”) unless otherwise noted. Credit and lending products are subject to credit approval by Scotiabank. All products and offers, including promotional or preferred rates, fees and other features and benefits are subject to change. Additional terms and conditions may apply.

Δ To be eligible for the Dentist Banking Program benefits you must be a Canadian citizen or permanent resident that meet one of the following conditions:

Enrolled in an accredited Canadian university dental degree program
Has been accepted or is completing a dental residency in Canada
Dentist with a license to practice dentistry in a Canadian province or territory
Retired dentist with a DDS or DMD and has practiced dentistry in a Canadian province or territory

1. Subject to credit approval. This is not a commitment to lend. Open to dentists that meet one of the following conditions:

Dentist with a license to practice dentistry in a Canadian province or territory
Retired dentist with a DDS or DMD and has practiced dentistry in a Canadian province or territory

2. Credit products are subject to credit approval. Preferred rates may vary per applicant and are subject to change. Additional conditions may apply. Offer may be changed, cancelled, or extended at any time without notice.