Business Services

Our Approach is Simple

Your people are your most important asset. Whether you have 2 employees or 2,000, a competitive benefits package is integral in attracting and retaining key people. We recognize that your benefits program is a significant investment decision, so we put the power of our insight and experience to work in an effort to help identify, implement and manage a comprehensive program that is tailored for your employees and your organization.

Group Benefits

Employee Benefit Plans


Healthy employees are happy employees. Our focus is on helping Corporations and Partnerships to identify their benefit plan options, and to source solutions that meet the needs of their employees, and fits within their budget. As independent advisors, we work on your behalf with Canada’s most trusted insurance companies, using our relationships and knowledge to negotiate and carefully craft a program that supports and reflects your company’s vision.

We offer all forms of group funding from fully-insured plans to self-insured ASO (Administrative Services Only) plans.

If you don’t have a Company, and are looking for an individual plan click here to learn more about Individual Health Plans.

To learn more about our new SC Hub: Your Benefits Administration Portal that will improve your group benefits experience through a paperless, seamless and no cost platform.

Included in most Benefit Programs:

  • Life Insurance
  • Accidental Death and Dismemberment (AD&D)
  • Extended Health Care
  • Dental Care
  • Group Critical Illness
  • Executive Benefits
  • Short & Long Term Disability Coverage
  • Health Care Spending Accounts (HCSA)
  • Wellness Programs
  • Employee Assistance Plans (EAP)
  • Cost Plus
    Executive or Business Owner? Click Here to learn how Cost Plus could benefit you.

Health Spending Accounts

Business Owners or Executives looking for an alternative to traditional plans, or to supplement their existing coverage, may be able to consider a Health Spending Account (HSA). An HSA is an account that is established to pay for medical and dental expenses for you and your family members.


Group Retirement Programs


With the recent shift away from Government provided Pensions, more and more companies are looking to reward their employees by helping them save for Retirement. We custom-design retirement savings programs and consult in the design of both structured and voluntary retirement savings plans, as well as defined contribution and defined benefit pension plans. We will work with you and your employees every step of the way, from plan analysis and recommendations, to implementation and education, to regular ongoing reviews and support for your plan members. We guide you through the selection of money managers and administrative providers for the following types of plans.

  • Group Registered Retirement Savings Plans (RRSP)
  • Group Tax-Free Savings Accounts (TFSA)
  • Deferred Profit Sharing Plans (DPSP)
  • Defined Contribution & Pension Plans
  • Defined Benefit Plans

Personal Pension Plans (PPP) & Individual Pension Plans (IPP)

We also provide significant shareholders and business executives with a defined benefit Personal Pension Plan (PPP) and Individual Pension Plans (IPP). These programs offer contribution levels which can be greater than a traditional defined contribution RRSP or Pension Plan. Click here for more information about PPPs.


Business Protection & Succession Planning


For most business owners, your company forms the basis of your family income, personal financial security, and establishes your legacy for the next generation. Business Protection Planning starts by considering the possible events that could jeopardize the momentum and value of your business, such as the death or disability of a key employee or shareholder.

We work intimately with our clients and their advisors to identify these risks, and to establish tax-effective strategies that can help protect against these difficult scenarios. This ensures that the value and viability of the business is maintained. A Business Succession Plan can help ensure that you, your family and business are all properly protected in the event of death, disability or retirement.

Did you know that Critical Illness Insurance can be used to protect you, your business and your family, while providing a tax-efficient payout in the future if you never get sick? Click here to learn about this exciting planning strategy for business owners.

Business Protection & Succession Planning Concepts:
  • Key person insurance
  • Buy/Sell insurance
  • Loan protection insurance
  • Executive Compensation
  • Tax planning strategies for shareholders
  • Corporate Insured Retirement Plan
  • Critical Illness for Business Owners