Consultative Cardiology — Earn Beyond U.S. Benchmarks, Without the U.S. Grind
Seeking US board-certified cardiologists currently practicing in the United States interested in relocating to Newmarket, Ontario (located 30–60 minutes north of Toronto). As one of Canada's largest cardiology groups, here's our model, translated into the terms you already use.

The numbers — from actual billing data, not projections
In our experience, our general full-time clinic cardiologists averaged:

Qualified collections (physician revenue) C$1.26 million

Overhead - 20%, capped at C$10,000 + HST/month C$135,600 all-in (≈11% effective)

Net physician income C$1.13 million (≈US $800,000)

Production (CMS wRVU-equivalents, professional work) ≈ 18,000 wRVUs

Effective rate per wRVU -- from the first wRVU ≈ C$63, no threshold, no ceiling

Income scales with production — and the fixed overhead cap means your rate improves as you grow:

Annual wRVUs 10,500 (US median)
Annual wRVUs 15,000
Why the volume is achievable here

The clinic funds the entire diagnostic engine — sonographers, echo/stress labs, extended Holter fleet, scheduling, billing — from its own technical revenue. You see patients and read studies; everything else is handled.

Single payer, 100% collections: no payor mix, no denials, no prior authorizations, no billing overhead beyond the capped fee.

Paid from wRVU #1. No employer threshold, no rate cuts for high producers, no year-end true-up risk.

The package

Malpractice: CMPA occurrence-style protection at a net ≈ C$2,200/year after the provincial rebate (vs US$30–60k value in the U.S.)



— no tail insurance, ever.

Licensure: ABMS board certification qualifies you for full CPSO licensure with no further exams, practising independently from day one. We fund and manage the application.

Taxes and cost of living — the part everyone asks about

Practice through your own professional corporation: retained earnings are taxed at ~11–12%, a deferral vehicle with no U.S. employed-physician analogue. For physicians who save, total annual wealth accumulation at our average earnings exceeds a zero-income-tax U.S. state at U.S.-median cardiology pay — detailed 2026 side‑by‑side (California / average state / Texas–Florida) available on request.

U.S. citizens: cross‑border tax structuring matters (CFC/GILTI rules) — we include specialist cross-border advice in the recruitment package.

Figures are from actual OHIP payments to two current full-time clinic cardiologists over the most recent full year, at fee levels that have since increased (April 2026 schedule); individual results depend on clinical mix and volume. wRVU-equivalents are computed by mapping each Ontario fee code to the 2025 CMS work-RVU of its closest CPT equivalent; methodology available on request. Compensation is fee-for-service under a physician-services agreement, not employment; package terms are illustrative and finalized individually. This document is informational and is not tax, legal, or immigration advice.

Note: Must be US board certified in Cardiology, or hold a Canadian Cardiology license to apply.

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📌 Cardiologist (Ontario)
🏢 PACE Cardiology
📍 Ontario