I wish doctors and other professional corps would stop comparing their retirement savings and pension to government employees. I am not a doctor or a corp, and if I compare my at risk DC pension to a government employees' pension, it doesn't measure up either. My options are to max my RRSP's,  save in a non-registered account and pay my children's tuition with after tax dollars. The "but I'm a doctor, work long hours, went to school, had loans, etc." are feeble excuses to argue doctors or other incorporated individuals shouldn't be subject to the same taxes as other citizens making the same money.