“Rex responds promptly to any financial planning questions you may have. He does it all and if he doesn’t know he gets in touch with a colleague in a timely manager. He is well connected and very knowledgeable. He takes initiative to ensure all insurance products are adjusted properly as you advance in your PGY years. Yet, he does this all without pressuring you, soliciting you, or irritating you.”

“My experience with the Clarity MD Services over the past 5 years has been extremely positive. Residency training is a demanding time and Rex has personally kept me on track with regards to not missing annual deadlines and important forms. He has also always been available by phone or email to answer my questions even with the time difference as I live in B.C. He definitely goes above and beyond. I highly recommend his services no matter where in Canada you will be as geography is not a barrier and his diligence and dedication is invaluable.”

“I chose Clarity MD services to represent my insurance needs because of the professionalism, attention to detail and advocacy for my needs that was exhibited by their representatives. Over the past three years, I have been extremely satisfied with their responsiveness and honesty that Clarity has shown in providing services that are appropriately matched to my professional and individual life stage.”

“As busy residents with young children, we admittedly hadn’t taken the time to properly plan our financial future. We are truly fortunate to have met Rex, who beyond providing insurance services has truly lived up to his promise of providing financial guidance and planning advice. He is very much in tune with the specific issues facing medical residents, and provides clear and concise explanations. He has been a pleasure to deal with, has been proactive with arranging meetings, and quite flexible enough to accommodate our hectic schedules. Therefore, we recommend Rex without hesitation to our medical friends and colleagues.”

“I have been very happy working with Clarity and particularly Rex over the years and it is my pleasure to write this testimonial. It is a comfort to know I have someone reliable to help me navigate various aspects of insurance and finance that can be difficult to understand, particularly during residency because I am so busy. My financial plan with Rex also took into account what my future practice would look like, and how that may affect which insurance plan to select during residency - it would be very difficult to come to these decisions without someone that has expertise in this area. On a personal level, I have found Rex pleasant and helpful to work with. He assisted my fiance and I in finding a real estate agent and mortgage broker when we wanted to purchase a house, and helped us run some numbers to ensure this was a financially sound decision. I would recommend Clarity to any medical student or resident based my experience.”

“I have been very pleased with the quality of service offered by Rex and Clarity. Rex has always been professional, reliable, and prompt in replying to any inquiries I have had. He always ensures that I understand why the chosen plan is the best fit for me and willing to take the time to answer any questions no matter how trivial. He understands our unpredictable residency schedule and is always willing to work around it to ensure that our insurance needs are taken care of so we can focus on our residency training. I’m very glad that I switched to Rex.”

“We’ve both been extremely pleased with Clarity in general and with Rex’s help in particular. The greatest service was working around our schedule and meeting with us wherever and whenever was convenient. This is not the kind of service we’d ever expect from a bank. Rex also made sure that we understood perfectly the financial decisions that we were making, and made sure that we were happy with the options we ultimately settled on. I would definitely recommend Clarity to anyone else.”

“We have been very pleased with Rex and Clarity MD’s services. We had a lot of presentations in medical school but few people took the time to sit down and explain things both during the presentation and one on one. With finances and insurance being new responsibilities to most of us, Rex helped explain things in a manner that was easy to understand. We are impressed by how accommodating they are in terms of meeting location and times working with our schedules and keeping us up to date via e-mail. Their service continues to meet and exceed our expectations despite having moved cities.”

“I am very happy with Rex and his team. No matter the questions I have, Rex has always been both available and knowledgeable. As well, he has a great way of breaking down options (of which there can be many!!!) for a wide range of topics (insurance, RRSPs, RESPs etc). I would be happy to recommend him to anyone!”

“Since I became a client of Clarity MD in 2010, Rex has become invaluable in terms of organizing not only my insurance options, but also finances and life goals. Over the intervening 5 years my husband and I have married and started a family. Rex has been there with us every step of the way, helping us figure out mortgages, RESPs, life insurance, disability insurance, and soon post-residency finances. My family and I are happy to have chosen Clarity MD Services. We have never regretted our decision and we look forward to continuing with their services.
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“Deciding on disability and life insurance just before graduating medical school sounded like a daunting experience for me. In the midst of LMCC studying and preparing a move, to all of sudden learn about cost of living adjustments was an overwhelming task. Working with experienced financial planners at Clarity MD gave me the peace of mind that I needed. Rex at Clarity MD was phenomenal. He was extremely knowledgeable, reliable and always willing to meet at my convenience. Not only did he take the time to understand my situation and the needs of my family but he explained each insurance clause in a context that I would understand and tailored it to my needs. Having a large clientele of medical doctors across Canada, Rex had the experience to tell me which package would benefit me now (and which didn’t) and how it would best suit my needs in the future. With their expertise and professionalism, Clarity MD is the company of choice for me.”

“Of all of the financial groups, Rex was the friendliest, easiest to work with, flexible, trustworthy and he just understood my needs.....better than I did in fact. He made the transition from medical school to residency and a move to Toronto exceptionally easy including insurances of all varieties, budget planning, debt management, and even helping understand my finances so that I could purchase a condo! This was certainly very welcome at that very busy time. Further, he was always very accessible, responding promptly to even the simplest questions, and arranging our meetings around my schedule. Rex is a reliable and indispensable resource as a resident!”

“My husband and I have been very pleased with the honest and personalized financial advice that has been provided to us by Rex Chan of Clarity MD. Rex helped me choose a disability insurance plan I could trust. He pointed us towards a lower mortgage rate when we were buying our home, and now is helping us to make the most of our tax-free saving account investments. Rex has been informative, easily accessible, and someone we plan to trust for many years into the future.”

“Amidst the chaos of starting residency, it’s easy to lose track of all the details. Rex simplifies my life outside of taking care of patients. He’s always available and quick to get me answers to questions and solutions to problems. I’m glad I chose Rex and Clarity MD.”

“I’d like to tell you about my experience with Rex and Clarity MD. Towards the end of med school we started having various people come to talk to us about their services. It was very confusing at first, and even though I started to meet with people one on one I still felt like I didn’t really understand what was going on. Then Rex came in from Clarity MD to give a talk. The presentation was the clearest and most useful we had had. However, I’m very cautious about financial things, so I still met with every single group/ person who came to talk to us about insurance and financial things (a total of five different groups). After meeting with Rex, I knew who I wanted to go with. He is thorough, takes time in making sure you understand and in answering your questions. I found he was the one who took my whole financial picture into account as well. For my friends who didn’t feel like taking the time to have five different meetings I gave them the bottom line- I’ve done the research, go with Clarity MD.
Since starting with Rex, I have been extremely pleased with the service. He always gets back to you (quickly!) if you email him any questions, and also takes initiative to send you any info that would be applicable to you. I’m very happy I chose to go with him, and look forward to working with him for my other financial goals.”

“Rex proved to be an invaluable resource when it came to planning our finances. He took the time to explain in detail what our options were and how to exercise them effectively. We also appreciated the insight he gave us into our finances which helped us plan our future better.”

“You are on to the next step in becoming a physician and that responsibility can be stressful enough, not to mention all the personal changes happening at the same time. In these periods of transition you need someone that has gone before, someone with experience that can help guide you through, someone that will take care of the details that you didn’t know existed. Rex Chan and his team are the people for the job.
I signed on with another financial group early on as I was eager to bring in a professional that could handle this side of my portfolio, which I had little expertise in. However, I quickly changed over to Clarity when I saw their expertise, service, and humility. Rex sees you as a person, remembers your family’s details, and suggests what is appropriate for YOUR situation. Four years after starting my relationship with Clarity, I have absolutely no regrets. My life has changed, my family has grown, and my financial needs have been proactively met with Rex’s constant support and foresight. You need someone on your side like Rex, don’t bother looking anywhere else.”

“After meeting with many disability insurance brokers, and initially signing on with another firm, it became clear that Rex was the person to go with. He is incredibly knowledgeable and keeps you on top of your insurance/financial needs (which is something that is otherwise really easy to forget about). Not only does Rex remind you when things need to be submitted but his office will do a lot of the faxing and administrative work. Finally, he travels around the province and can meet with you anywhere! We are very happy with his services.”

“I have used the services of Clarity MD, specifically Rex Chan, since graduating medical school, and have been more than satisfied with their services. Rex has been thorough and proactive with regards to my financial needs, and I certainly would not have been able to navigate the world of life and disability insurance without him. Rex has taken care of filling out and submitting all of the required forms, and contacts me when certain items need to be filled out or reviewed. With my hectic schedule, Rex even offered to meet me to review my portfolio when I was on call, at the hospital cafeteria. Even further, when the shift was busy and I was unable to contact him about being late, he waited patiently, and ultimately returned to meet me later in the evening. Needless to say, I was very impressed. Rex is also aware of the changing markets, and is always considering his clients’ needs. For instance, Rex contacted me indicating that RBC rates would soon be increasing, and suggested we increase my disability coverage a few months earlier than planned, in order to save money in the future. I never would have known to do this without his advice, and was amazed that he contacted me spontaneously about this matter. Rex was even able to provide me with recommendations for a lawyer and an accountant, when it came time for me to purchase a home (in addition to reviewing my budget to see if it was possible). All in all, Rex Chan is a fantastic financial advisor who I would recommend (and have recommended many times) to anyone seeking out these services.”

“Working with Clarity MD services, and specifically with Rex Chan, has been very effortless and easy. Clarity MD services understands that as medical students, residents, and attending physicians, we are busy people and we don’t need more deadlines and financial decisions to worry about. I know very little about insurance, RRSPs, filing taxes, and investment strategies but at my first meeting with Rex, he took as much time as was needed and explained each of these concepts to me at a level that I could understand. This empowers the naïve resident to make educated decisions about their money and I always feel like Rex has my best interests in mind. I can ask him any question, no matter how big or small and I trust his opinions. The financial advisors from Clarity MD are available without any hassle via email and are always willing to meet up with you in person if needed, which again is ideal for physicians with busy schedules and tremendous amount of work responsibilities.”

“I was very impressed with the presentation that Clarity MD gave my graduating class in the spring of 2010. I then set up a meeting with Rex Chan, who was very accommodating and flexible, and able to work around my schedule. He was very helpful at explaining the various financial concepts in a way that was easy to understand, and helped me choose the right type of disability insurance that worked best for my needs. He has been great at keeping in touch, and sending important reminders via email when it is time for me to increase my coverage. He is always available if I have any questions, and has been an invaluable help as I continue on with my practice!”

“The entirety of my experience with Rex and the Clarity MD can be summed up in one word: Trust. When dealing with an issue as complex and as varied as insurance, it is important to know exactly the type of people you are dealing with. I have had the opportunity to hear from many different brokers all trying to sell me the same product, some good, some bad. But Rex was different, I felt that he just wanted me to understand exactly why insurance was important for me, and why I needed to have it as part of my portfolio, irrespective of whether i buy from him or not. He didn’t need fancy gimmicks or props. He was knowledgeable, honest, friendly, available, and above all, he was patient. There is never a question too stupid or too complicated for Rex and his team, and you can be satisfied that you will hear an accurate, detailed and personalized response in a timely manner. I know that if I ever needed to file a claim that I could expect the same attention to detail from Rex. Insurance is way too important to leave in the hands of people you can’t rely on. Rex and the Clarity MD looked out for my insurance needs, and I have never been disappointed. Now, as a full-fledged family doctor, I trust Rex to continue providing his valuable advice in insurance, tax planning, and other financial affairs.”

“Rex and his team were incredibly professional and helpful in choosing disability insurance. After hearing a number of talks from many different insurance agencies, it was clear to me that Rex and his team were by far the most well-thought out, honest, and straightforward group. Rex gives his honest opinion, and it is clear that he is working in your best interest. I highly recommend his service!”

“Working with Rex has been a real pleasure. Most importantly, he is extremely knowledgeable about all of the financial issues that medical students and residents face. Secondly, he is flexible and makes it possible to have face-to-face meetings at times and locations that are convenient for you. Lastly, he is extremely personable and really cares about making the whole financial process as transparent and easy as possible. We would highly recommend working with Clarity MD throughout your residency.”

“I am clueless when it comes to insurance. Rex and his group took the time to help me understand the significance of what I was signing up for. He is always quick to keep me updated me on any changes and options that become available to me. Rex and his team are always willing to answer any questions and their constant support is refreshing. I recommend him to everyone I know.”

“I did much research and talked to a lot of people before selecting someone to take care of my life and disability insurance needs. Rex and his team are experienced, knowledgeable, and down-to-earth. They are always available, often on short notice, to answer my questions or meet in person. Clarity has assembled an insurance plan suitable to me — and that is also economical.”

“I am very happy to recommend Rex to others. I appreciate how well Rex explained the features of your products to me, and the unbiased way in which Rex gave me advice. I think that graduating medical students should seriously consider getting extra insurance, and Clarity MD had the best offers from my perspective.”

“From day one, I’ve felt that I’ve been well taken care of, had all my questions answered comprehensively and in a timely manner, and really felt that Rex had my best interests in mind. I have no complaints and am very happy with the help and guidance he’s provided for me. I would definitely recommend that students speak to him about getting disability insurance and all of the other help Clarity MD provides!”