text: My tipping point is i should play by the same rules many other canadians who cant afford to incorporate do. Moreover, if you are a physician making < 300 000 and not income splitting with adult children i invite you to do the math on these schemes...they save relatively little money. It is high-income specialists e.g. Radiologists with private clinics on the side who are especially benefiting. Most pcps would do little worse unincorporated.