In 2008, Redcliffe approached our company at the time when we were in a process of renewing our employee's group benefits plan from a well known life insurance company with whom we insured in 2007. It was prohibitive. Redcliffe provided us a comprehensive proposal in all elements of consideration including cost, transparency, administration simplicity and long-term efficiency. In comparison to the other proposals, Redcliffe was undeniably the better choice for our company.

Our plan today uses a combination of our original insurer, a new carrier for Accidental Death and Dismemberment and a Third Party Administrator. We are in our third year with Redcliffe as our consultants and our benefits costs are lower than they were in 2007.

We encourage any Business Manager, HR Manager, CFO or President approached by Redcliffe to give them an audience as their innovation and experience will reduce the cost of any benefits program and simplify administration.

Please do not hesitate to contact me should you wish to discuss the reasons we appointed Redcliffe as our benefits consultants. It is a pleasure working with them.

Mak Brar
Onni Group of Companies

Redcliffe Financial Group (RFG) has been the employee group benefits consultant to the British Columbia Government and Service Employees' Union since 1993 to our complete satisfaction.

During the last fifteen years RFG has established very successful programmes for us using a combination of third party administrator and various other Canadian insurance companies as well as handling staff enrollments and plan implementations. In 1997 RFG introduced our Employee and Family Assistance Plan and plays an active role in its ongoing success. RFG has tactfully assisted us in all areas of benefits claims administration as well as in the costing of benefits changes for collective bargaining purposes.

Over the years RFG assisted the BCGEU in dealing with employers of our members where specialized knowledge of benefits contract interpretation was requited. This work has been performed with a positive and professional approach. RFG has always achieved excellent results.

RFG have always been innovative, available and reliable in the provision of their services to us and we look forward to the continuity of those high standards.

Nicola Firstner
BCGEU

Redcliffe Financial Group (RFG) have been the group benefit and pension consultants to Brentwood College School since 2003. Since then, they have overhauled and re-written all our benefits programmes to the satisfaction of the Board of Governors, management and staff.

RFG, working with all major insurance companies and a third party administrator, has the resources to manage and contain insurance costs through plan deign and continuous reliable service. Furthermore, their full disclosure policy provides us with the comfort of knowing that we are getting the very best rates available - a service our previous broker did not offer.

RFG's cost containment efforts have meant that benefits now cost management and staff less than in 2003. The staff also appreciate the ease of access to RFG's office for any assistance they may require with claims and personal insurance and pension matters.

We look forward to a long lasting relationship with Redcliffe Financial Group and we have no hesitation in recommending their services for group benefits and/or pension consulting for groups of all size.

Clyde Ogilvie
Brentwood College School

Redcliffe Financial Group (RFG) has been our group benefits consultant since 1978. We are pleased to recommend their services to any firm who may require expert and independent advice on the selection of insurers and types of coverage.

RFG strengths we appreciate the most, are full disclosure of all costs associated with our programmes and the transparency of all dealings with benefit providers. They also take a "hands on" approach with any claim situation that may require their professional assistance and/or intervention.

Please call should you wish a personal reference, as I am always happy to discuss the success of our benefit plan under the direction of Redcliffe Financial Group.

Lynne M. Turner
Field LLP

Redcliffe Financial Group has been the group benefits broker and consultant for Lindsay Kenney since 1997 during which time they have given the partnership and staff every satisfaction in their handling of our affairs.

They bring clarity and energy and have introduced innovative and highly successful cost containment approaches to our firm.

We recommend RFG for their professionalism and integrity to any firm seeking transparency and excellence in their benefits work.

Kelvin R. Stephens
Lindsay Kenney LLP

Since June 2010, St. Margaret's School has been using the services of Redcliffe Financial Group as our Group Benefits consultant.

In this short time they have made a huge impact on our group benefits plan. They have undertaken the large task of reviewing all our benefit premiums and have been able to offer competitive rates. They have also negotiated with our pension provider for a decrease in management fees, facilitated the enrollment of all staff to a new insurance provider and have been able to provide all staff with financial planning advice on an individual basis.

In my role as Payroll & Benefits Administrator with St. Margaret's School I have had the pleasure of working closely with Redcliffe Financial Group with regards to the administration of out group benefits and pension plan and I have always found them to be very experienced in all aspects of benefits and highly organized.

I have been very impressed with their abilities and I recommend Redcliffe Financial Group and their services to any organization.

If you have any questions do not hesitate to contact me directly.

Sherry Arlt
St. Margaret's School

This letter serves to introduce Redcliffe Financial Group, our Group Benefits consultants since June 2006. During this time RFG has demonstrated a commitment to obtaining competitive and reasonable rates. They have actively, and flexibility, maintained out accounts meeting our organizational objectives with rates congruent with our expectations.

Being new to the school in mid 2007, and not previously having hands-on experience related to the details of employee benefits, RFG representatives have been very accessible and helpful in providing me any information I have requested, and also in providing data and facts to educate me in employee benefits. They facilitated training for our entire employee population with regards to financial and life planning. RFG have been innovative, and have been transparent in their dealings. They have acted quickly, when a provider gave notice of divesting itself of out type of account, to source and maintain our coverage.

RFG representatives have assisted in the preparation and submission of Long Term Disability claims and shepherded the claimants and the school through the process. As well, they met every expectation when one of those claimants passed away. Their service has met and exceeded expectations in regards to timeliness and performance.

RFG's services have benefited our school in terms of administrative solutions, cost containment and coverage for employees. I recommend Redcliffe Financial Group to anyone who has not had a recent thorough examination of their benefits plan in both design and cost improvements.

Please feel free to contact me should further information be required.

Marj Hewitt
Glenlyon Norfolk School

RFG first approached us in December 2007; however, we were cautious about appointing them as our broker. After an interview with their account manager, we agreed to sign an agent of record letter in February 2008. By March our benefits costs were reduced by over 25% percent even though we were using the same carrier. This was thanks to the negotiating skills of RFG.

My employees have an easy-to-reach contact for claims inquiries and personal life insurance advice. We find RFG reliable and exceptional in their ability to negotiate with life insurance companies. I have no hesitation in recommending their services to any business.

Michael White
Village Physiotherapy and Kinetic Rehab

My letter serves to introduce Redcliffe Financial Group (RFG) who has been our group benefits and pension consultants for many years.

I would like you to know how highly we value their advice, expertise, energy and interest in the well being of our staff.

It is with no hesitation that I recommend their services to any other business.

Ron Hornby
Clarkdale Motors

For several years our company has used a traditional, fully insured benefits programme offered through a major insurance carrier. Our broker at the time was very helpful in explaining our renewals, and provided us with sound reasons for the cost fluctuations of our plan.

In February of 2008, we contacted Chris and Norman Redcliffe of Redcliffe Financial Group (RFG) to perform an extensive analysis of our benefits plan and provide us with alternatives. They were able to propose a change to our benefits plan that immediately made our plan more cost effective. They also negotiated rates for the various components of our plan that were less than those proposed by our carrier. We anticipate that our savings will be significant over time.

Norman and Chris have given us a refreshing alternative to dealing with commissioned brokers and have given us excellent service. Furthermore, we feel at ease knowing all the 'ins' and 'outs' of our programme; with particular emphasis on the true cost of our insurance and compensation RFG receives for their service.

We have no hesitation in recommending their services.

David Dirks
Stratford Hall