What We Do

Employee Benefits

I want to do more for my staff but I don’t know where to start.

You know your organization wouldn’t succeed without your employees. They make it all possible. Let’s face it; none of us can succeed on our own.

We’ve seen it so many times. Leaders who want to do the right thing, take care of their team, and make sure they get the benefits and lifestyle they deserve.

All too often, they get in over their head.

They might have chosen too much coverage—or too little. They don’t understand how premiums will affect their bottom line or they choose options their employees just don’t care about.

Sometimes they’ve been given poor advice. Not enough work was done to figure out what was important to them or their team. They were sold a product without a plan.

Grow together

We think it’s better to start a Group Benefits program based on where you are today and grow over time. As your organization grows, so can the benefits you offer.

It’s better to add to your plan, as you need to, rather than get in too deep and realize you have to scale back if your plan becomes unsustainable. Taking things away is a terrible decision to have to make. Especially when, all along, you were trying to do the right thing.

Our priority is to ensure your benefits plan is attractive and useful to your employees and competitive in the market. We’ll get you the most valuable and practical amount of coverage with a cost-effective approach. You want your team to be treated in a way that reinforces how much they mean to you. We want the same thing.

Can Group Benefits make us more competitive?

Did you know that next to salary, benefits coverage is the most important thing to employees?

Let’s face it, all things being equal, why would a talented employee choose an employer without group benefits over one who did?

The right benefits package tells your employees that you care about them and their families.

Employees need to understand how much of an investment that is for your company. They also need to understand that a benefits plan means they won’t have to pay for things like dental care and prescription drugs with after-tax income.

With the right plan, you’ll be sending all the right messages

Get a Quote Today

Individual Insurance

If something happens to me, am I covered? Is my organization safe?

You can’t protect the people you care about if you’re not protected yourself. It’s that simple.

We know you want to help your staff and your family, but protecting yourself as a key decision maker actually protects your organization and your team as well. Protecting yourself isn’t selfish. It’s the right thing to do.

It’s the same reason the airline industry says, “In case of emergency, put on your own mask before you help others”.

Why? If something happens to you, and you haven’t made the necessary arrangements, you might not be able to help the people that are depending on you most. In fact, everything you’ve done to provide for them could be undone if you’re not adequately covered yourself.

Here are some of the services we offer:

  • Life Insurance
  • Critical Illness
  • Disability Insurance
  • Health & Dental
  • Travel Insurance

Get a Quote Today

Group Retirement Services

What’s the best thing I can do to help my employees plan for a secure retirement?

There are some questions we all ask about the future:

  • Can I afford to retire?
  • What will my life be like then?
  • Do I have enough money?

Unless you’re one of the few who started planning and consistently contributing towards your retirement goals in your early 20s, these are questions that not everyone has answers for.

But with Registered Pension Plans and Group RRSPs you can ensure the long-term care of your staff.

You have a rare opportunity. You have the ability to help your employees secure their retirement. It’s an incredible impact you will be able to have on their lives for years to come.

Get a Quote Today

Financial Planning

I’m starting to worry that I won’t have the money I need to retire.

No one knows what the market’s going to do next so two things are critical: You need to make sure you can help grow your money during good times, and help protect yourself from losses during bad times.

We’ve partnered with some leading Canadian investment companies. The kind of companies we trust to make sure your money is in the right hands.

It’s never too early to invest. It’s also never too late.

Based on your specific circumstances and level of risk, we can recommend the strategies and investments that are aligned to your priorities. It doesn’t matter if you’re an experienced investor or not. We’ll work together to define the right approach for you.

This is your money. You’ve earned it.

Here are some of the services we offer:

  • Retirement Planning
  • Wealth Management Services
  • TFSA -Tax Free Savings Accounts
  • RRSP – Registered Retirement Savings Plans
  • RRIF – Registered Retirement Income Fund
  • RESP – Registered Educational Savings Plans
  • LIRA or LIF – Locked-In Retirement Accounts
  • Annuities
  • GIC – Guaranteed Term Deposits

Get a Quote Today

General Insurance

Our partner in general insurance is Halpenny Insurance Brokers Ltd., established in 1912.

Since its creation, Halpenny Insurance Brokers Ltd., has developed into one of the largest insurance brokerages in Eastern Ontario. Personalized service is a top priority at Halpenny Insurance Brokers Ltd.

Coverage for all your needs…

  • Commercial insurance
  • Homes
  • Condominiums
  • Apartments
  • Seasonal Dwellings
  • Automobiles
  • Watercrafts
  • Recreational Vehicles

For more information on Halpenny Insurance Brokers Ltd., please visit their web site.

We would be pleased to review your current plan and suggest improvements.