Pension Plans

For corporate clients we offer a solid variety of Pension and Retirement Plans for employees ranging from Defined Benefit types, to Money Purchase plans, and Group RSPs. Since this is a very complicated we focus on the planning and design issues to ensure that the final product achieves you company goals and objectives by the most cost-efficient means.

As brokers, we bring the best of the marketplace to you in terms of selection, quality and flexibility. We deal with all the major carriers.

If you already have a pension plan or are contemplating setting one up for your employees, contact us for more information or to set schedule a meeting to discuss your options. In the former instance, we will offer you a frank comparison of your current plan to the best offerings current marketplace. In the latter, we can provide you with fresh ideas that can be leveraged to your benefit. You need to ensure that you are getting the most for your dollars!

For employees or former employees, one of the options you may have will be to transfer the funds in your former Pension Plan to a new Pension Plan with a new employer or to your own RRSP (LIRA). Recently products have been developed that are able to give all the guarantees of a pension plan but put you in control of your money. We are able to build you a plan that is predictable, sustainable, and that will provide income for LIFE. We have a solution that enables us to help you take that risk off the table. Now for the first time in Canada, we now have a product specifically designed to provide you with a fully guaranteed income during retirement – no matter what happens to markets! And no matter how long you live! From a higher perspective, this is just like a pension plan. And, this same product also offers you unlimited upside potential, enabling you to fully participate in the growth your investments earn in the marketplace, which means you are still in control of your money. IncomePlus can provide you with:

• Predictable income guaranteed not to decrease no matter how investments perform*
• Sustainable income that will last for life or at least until the principal is completely repaid*
• Potentially increasing guaranteed income to help offset inflation
• The flexibility to change your investment or access your savings at any time
• Tax-efficient income when held in a non-registered account
• Benefits that ensure the smooth transition of your estate
• Potential creditor protection

*Exceeding the withdrawal thresholds may have a negative impact on future payments. The Lifetime Withdrawal Amount is available after December 31st of the year the annuitant turns age 65. Payments can continue until the contract reaches maturity or upon death of the last surviving annuitant.
Follow this link for a brief overview: www.manulifeincomeplus.ca

In most cases, we can greatly enhance your retirement income by careful planning.

We would love the opportunity to work with you to co-ordinate your retirement portfolio and to help you ensure your income is maximized and your taxes are minimized during your retirement.

Be sure to contact us for more details or to schedule a meeting to discuss your options.