Now more than ever, as the baby boomers near retirement, employers recognize the value of contributing to an employee’s retirement “nest egg” and helping plan for the future. An employer taking on some responsibility for the long-term welfare of employees is not a revolutionary idea; however, the processes and tools available for employers and their employees in the world of retirement planning have changed drastically over the past 10 years. RFG has evolved with the industry and is able to give you the best products from the most reliable providers in Canada.
The 5 advantages to Employers of working with RFG are:
- Ease of mind in knowing that employees are getting trusted advice from a company with over four decades of experience in benefits and pensions
- Discounted management fees for plan members compared with retail options
- Innovative solutions allowing online access to investment information 24/7
- Regular education on retirement planning and market performance
- Reliable service & unbiased advice
The 5 advantages to Employees by having you choose RFG as your broker or consultants are:
- Members have the freedom to move within the plan’s investment vehicles without penalties or “surprise charges”
- Members get unbiased advice on risk management and retirement planning:
- Retirement Income products (RRIFs, Annuities etc)
- Risk management products (Life, Mortgage, Disability, Critical Illness and Long-Term Care Insurance)
- Retiree health and dental products and;
- Members can consolidate their RRSP’s into one single account with discounted management fees
- Members are able to work with a familiar advisor who works with all other employees, increasing the sense of community ultimately improving corporate culture.
- Members are able to get access to retirement income planning advice from expereinced specialists who co-ordinate all sources of retirement income (CPP, OAS, External Pension, Foreign Pensions etc.) to “paint a picture” of retirement.
RFG has extensive experience in group retirement planning – whether starting a plan or reviewing an existing one, we can:
Design your plan:
- Defined Benefit Pension Plan
- Defined Contribution Pension Plan
- Group RRSP
- Group TFSA
Implement your plan:
- Enrolling and educating employees
Manage and review your plan:
- Provide annual education meetings
- Negotiate lower management fees as the plan assets grow
- Ensure the use of innovative and competitive products
In addition to these services, RFG is able to provide advice on and implement:
- Retirement Income products (RRIFs, Annuities etc)
- Risk management products (Life, Mortgage, Disability, Critical Illness and Long-Term Care)
- Retiree health and dental products and;