Group Benefits & Savings Plans for Canadian Businesses
Future-proof your team. Control costs. Strengthen retention.
Give your employees the financial wellness, protection, and confidence they deserve — with plans tailored for small and mid-sized Canadian businesses.
Strategic group plans • Expert plan oversight • Low-fee investment options
WHY YOUR BUSINESS NEEDS A MODERN PLAN
✔ Attract & Retain High-Quality Talent
Employees now expect group benefits — even in smaller organizations. A strong plan helps you stand out, improve retention, and reduce costly turnover.
✔ Control Long-Term Benefits Costs
Smart plan design prevents overpaying. We optimize structures, investment lineups, and carrier options to keep your costs predictable and sustainable.
Healthy, financially confident teams perform better, miss fewer days, and stay longer — improving both morale and productivity.
✔ Support Employee Health & Financial Wellness
WHAT I OFFER
Group Benefits Packages
Customized benefits built for Canadian small & mid-sized teams.
Health & dental plans
Vision & paramedical coverage
Disability insurance
Critical illness insurance
Prescription drug coverage
Employee Assistance Programs (EAP)
Cost-control & plan sustainability strategies
Multi-provider comparisons to ensure best pricing & structure
Group Savings Plans
Clear, structured savings plans that help employers attract talent while giving employees a path toward long-term financial security.
Group RRSP
Group TFSA
DPSP (Deferred Profit-Sharing Plan)
Defined Contribution (DC) pension plans
Employer matching structures
Integrated RRSP/TFSA plan designs
Low-fee investment fund lineups
Full setup, employee onboarding, & plan administration support
Employee Financial Education & Support
Give your team clarity — not confusion.
Employee presentations on retirement & savings
Pension and investment workshops
One-on-one financial guidance for staff
Benefits explanation sessions
LIRA, RRSP, TFSA, and group pension support
Clear education improves plan engagement, reduces HR workload, and ensures employees get value from their benefits.
Frequently asked questions
Q: What’s the difference between Group RRSP, Group TFSA, and DPSP?
Group RRSP: Employer + employee contributions, taxable on withdrawal.
Group TFSA: Tax-free growth and withdrawals.
DPSP: Employer-only contributions, excellent for retention and profit sharing.
Q: How long does it take to set up a Group RRSP or benefits plan?
Most plans take 2–4 weeks from design to launch.
This includes provider setup and employee onboarding.
Q: Can a small business set up a group plan?
Yes — plans can be built for teams as small as 1–10 employees.
Modern group savings and benefits are designed for small businesses with flexible pricing.
Q: Can we switch providers without disrupting our employees?
Yes.
Employees receive full guidance, and their accounts transition smoothly with no taxable event and minimal admin work for HR.
Q: Are employer contributions required
No.
Employers can choose matching, fixed contributions, or no contribution.
Most start with 1–3% matching for strong retention impact.
Q: Can we combine Group Benefits and Group RRSP into one offering?
Absolutely.
Bundling savings and benefits simplifies administration, boosts retention, and improves employee engagement.
Q: How much do group benefits or savings plans cost?
Costs depend on team size, demographics, and coverage.
Savings plans are often lower-cost than most employers expect, and benefits packages can be designed to fit nearly any budget.
Q: Why work with an independent advisor instead of going directly to a provider?
Independent advisors compare multiple carriers, reduce hidden fees, provide HR-style support, and design plans around your business — not a single company’s product lineup.
Still have questions?
Let’s review which plan fits your business best.
Why Employers Choose Me
✔ Independent & unbiased — multiple providers, not tied to one carrier
✔ Pension & benefits expertise — deep knowledge of RRSP, TFSA, DPSP, DC pensions
✔ Cost-control focus — prevent plan inflation & unnecessary expenses
✔ Employee education included — HR support without extra overhead
✔ Tailored for small & mid-sized businesses — not enterprise-sized red tape
Ready to Build a Competitive Group Plan?
Let’s design a plan that supports your business, your employees, and your long-term goals.
Let's transform your financial vision into results.
Contact
info@yourwealthguy.ca
Location
Toronto, ON
Phone
647.831.4002
Regulatory & Website Disclosure
Mutual funds are provided through Wealthforce Inc., a registered Investment Dealer and member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF).
Insurance products are offered through Ron Halabi as an independent life insurance agent.
Information on this website is for educational purposes only and does not constitute investment advice.
No orders or account instructions will be accepted through this website.
Products and services described are intended for Canadian residents only.
Past performance is not indicative of future results. Investment and insurance products are not guaranteed and may fluctuate in value.
Complaints & Client Concerns:
If you have a complaint, please contact us first. You may also contact our dealer or escalate to OBSI.
Submit a complaint directly with our dealer: Wealthforce - Compliance