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An employer sponsored workplace savings benefit can take many forms. Plans that help employees save for retirement, like a Defined Contribution Registered Pension Plan (DC RPP) or RRSP/DPSP (Deferred Profit Sharing Plan), may include an employer match while other plans, like an RRSP, TFSA or a non-registered savings account, may receive contributions from employees only. 

We can help you to design a plan that works for you and for your employees; one that's cost-effective and rewards employee loyalty. Your plan will include options for employees who know very little about investing as well as those who prefer to build and monitor their own portfolios.

A group retirement plan is a way for your employees to save for "life after work" without paying retail prices, an advantage that's often overlooked.

One of the goals in creating your investment line-up is diversification with options that vary by management style, investment objective and geographic exposure. Most plans today also offer Target Date and Target Risk funds for plan members that wish to have little or no involvement in the fund selection and monitoring process.

The investment line-up should not be static and should be reviewed regularly to ensure that the plan offers only choices that consistently post above-median performance.

As part of the review, fees on funds should also be validated to ensure plan members are not over-paying for their group savings plan.

While many of your employees may not possess the financial resources that attract the attention of a personal financial advisor, we're available for regular, on-site, visits to your office or plant. We avail ourselves to all employees to guide them when called upon. We find that this strategy encourages plan members to make saving for retirement a priority while also giving them an opportunity to check on their plan's progress.