GROUP RETIREMENT CONSULTING
​We design and enhance retirement plans that are competitive, compliant, and aligned with your organization's workforce goals.
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Whether you're establishing a new plan or enhancing an existing one - we deliver strategic, transparent guidance at every stage,
helping leadership teams make informed decisions while supporting their employees plan for a confident retirement.
EMPLOYER SUPPORT
SERVICES
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Plan Design Benchmarking
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Record Keeper Comparisons & Fee Reviews
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Implementation Structure & Process Leadership
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CAPSA Compliance Management & AIR Reporting
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Fiduciary Committee Support & Board Reporting
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Plan & Investment Analysis & Reporting
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ESG Investment Consulting
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Administration Optimization & Assistance
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DEI Solutions & Integration
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Industry Insights & Market Trend Updates
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Tailored Employee Communications
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One-on-One Member Guidance
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Investment & Retirement Planning Seminars
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Proactive Plan Oversight & Support
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Quarterly Retirement Outlook Updates
EMPLOYEE SUPPORT
GROUP RETIREMENT
PLAN DESIGN FLEXIBILITY
Defined Contribution Pension Plan
(DCPP)
​A registered pension plan established by an employer and governed by provincial or federal pension legislation, depending on the jurisdiction.
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KEY FEATURES:
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Employer Contributions: Mandatory and defined in advance. They are a tax-deductible business expense for the employer and are not a taxable benefit to the employee.
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Employee Contributions: Often allowed. Contributions reduce taxable income at source and are tax-deductible to the employee - reported on T4 slip.
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Contribution Limit: Up to 18% of the employee's current year’s income, up to annual contribution limit. Contributions reduce RRSP room - reported as a Pension Adjustment on T4. No carry forward limit.​
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Investment Growth: No taxes on investment growth. Taxes apply when withdrawn.
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Age Limit: Must be converted by Dec 31 of the year the member turns age 71.
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Deferred Profit Sharing Plan
(DPSP)
An employer-sponsored retirement plan registered with the CRA that allows employers to share company profits with employees.
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​​​KEY FEATURES:
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Employer Contributions: Made from profits of the company or at a pre-determined amount. They are a tax-deductible business expense for the employer and are not a taxable benefit to the employee.
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Employee Contributions: Not allowed.
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Contribution Limit: Up to 18% of the employee's current year’s income, up to annual contribution limit. Contributions reduce RRSP room - reported as a Pension Adjustment on T4. No carry forward limit.
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Investment Growth: No taxes on investment growth. Taxes apply when withdrawn.
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Age Limit: Must be converted by Dec 31 of the year the member turns age 71.​​
Registered Retirement Savings Plan
(RRSP)
An employer-sponsored retirement savings plan registered with the CRA that allows employees to save for retirement through payroll contributions.
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KEY FEATURES:
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Employer Contributions: Often included at a pre-determined amount. They are a tax-deductible business expense for the employer and a taxable benefit to the employee.
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Employee Contributions: Allowed. Contributions reduce taxable income at source and are tax-deductible to the employee.
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Contribution Limit: Up to 18% of the employee's prior year’s income, up to annual contribution limit. Applies to all RRSPs combined, less DCPP and DPSP Pension Adjustments. Unused room carries forward.
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Investment Growth: No taxes on investment growth. Taxes apply when withdrawn.
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Age Limit: Must be converted by Dec 31 of the year the member turns age 71.
Tax-Free Savings Account
(TFSA)
An employer-sponsored tax-free savings plan registered with the CRA that allows employees to save without being taxed on investment earnings or withdrawals.
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​KEY FEATURES:
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Employer Contributions: Often not included, typically only employee contributions. If included, they are a tax-deductible business expense for the employer and a taxable benefit to the employee.
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Employee Contributions: Allowed. Contributions are made with after-tax dollars and are not tax-deductible.
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Contribution Limit: Up to annual contribution limit. Applies to all TFSAs combined. Unused room carries forward, and withdrawals are added back to contribution room the following year.
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Investment Growth: No taxes on investment growth or withdrawals.
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Age Limit: No maximum age or mandatory conversion requirement.
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Non-Registered Savings Plan
(NRSP)
An employer-sponsored, non-registered savings plan that allows employees to save for retirement or other financial goals through payroll contributions.
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​​​KEY FEATURES:
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Employer Contributions: Often not included, typically only employee contributions. If included, they are a tax-deductible business expense for the employer and a taxable benefit to the employee.
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Employee Contributions: Allowed. Contributions are made with after-tax dollars and are not tax-deductible.
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Contribution Limit: No annual contribution limit.
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Investment Growth: Investment income is taxable to the employee. Capital gains are taxable when realized.
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Age Limit: No maximum age or mandatory conversion requirement.​​
First Home Savings Account
(FHSA)
An employer-sponsored registered savings plan that allows eligible employees to save for their first home through payroll contributions.
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KEY FEATURES:
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Employer Contributions: Often not included, typically only employee contributions. If included, they are a tax-deductible business expense for the employer and a taxable benefit to the employee.
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Employee Contributions: Allowed. Contributions reduce taxable income at source and are tax-deductible to the employee.
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Contribution Limit: Up to $8,000 annually and $40,000 lifetime. Applies to all FHSAs combined. Up to $8,000 of unused room carries forward.
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Investment Growth: No taxes on investment growth or qualifying withdrawals. Non-qualifying withdrawals are taxable.
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Age Limit: Must be closed by Dec 31 of the year of the earliest of: the 15th anniversary of opening the first FHSA, age 71, or the year following the first qualifying withdrawal.
INVESTMENTS
Investment options give employers a practical way to support different investment objectives, risk tolerances, and stages of retirement planning.
Smaller plans typically use a standard investment lineup, while larger plans can select from a broader range of funds with guidance from their Consultant.
TARGET DATE FUNDS
Target date funds are diversified investment funds designed around an expected retirement year. They automatically adjust the investment mix over time, gradually becoming more conservative as the target date approaches.
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Employees typically select the fund closest to their expected retirement year, providing a simple, professionally managed investment option that simplifies ongoing investment decision-making.
KEY FACTORS:
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Professionally managed portfolio.
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Broad diversification across asset classes.
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Simple investment selection.
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No need to choose individual funds.
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Automatic portfolio adjustments over time.
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Reduces risk as retirement approaches.
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Designed to align with retirement timing.
INDVIDUAL FUNDS
Individual funds allow employees to build their own portfolio by selecting from the investment options available under the plan.
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This provides greater flexibility over how their retirement portfolio is structured.
Employees can choose and combine funds based on their investment objectives, risk tolerance, and time horizon.
​ RANGE OF ASSET CLASSES:
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Guaranteed Interest Accounts
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Money Market
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Fixed Income
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Balanced
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Canadian Large Cap
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Canadian Small / Mid Cap
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U.S. Equity
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International Equity
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Global Equity
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Special Equity
TARGET RISK FUNDS
Target risk funds are diversified investment funds designed around a specific level of risk. They maintain an investment mix that reflects the selected risk profile over time.
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Employees typically select the fund that best matches their risk tolerance and investment objectives, providing a simple, professionally managed investment option.
Members should periodically review their risk profile and adjust their fund selection as retirement approaches.
KEY FACTORS:
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Professionally managed portfolio.
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Broad diversification across asset classes.
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Simple investment selection.
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No need to choose individual funds.
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Maintains a consistent risk profile.
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Requires periodic review over time.
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Designed to align with personal risk tolerance.
"Empowering employees to save and invest for the future
- with clarity, care, and the confidence that comes from expert guidance."
GROUP RETIREMENT
EMPLOYERS: FREQUENTLY ASKED QUESTIONS
GROUP RETIREMENT
EMPLOYEES: FREQUENTLY ASKED QUESTIONS
"Christine is an expert retirement consultant whom I have had the pleasure of working with for the past several years.
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Her wealth of knowledge in this field is impressive. She is always willing and available to help us and more importantly, our employees. She is passionate about what she does and her energy shows in her presentations and communications for our employees.
Christine’s services are an invaluable
resource for your team!"
- CLIENT TESTIMONIAL -