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 have invested in a powerful resource that allows SC Clients to manage their plans more efficiently and cost-effectively than ever – all while keeping employee health and wellness top of mind.

Click Here to find out how the SC Hub can streamline your plan administration and new enrollments, leveraging technology to help ensure accuracy, and maximize the value of your benefits program.

Digital Benefit Plan Administration for SC Clients.

Seamless. Paperless.
No Cost.


SC Toolkit: A full suite of Optional Resources

We are continually identifying and cultivating a list of services and solutions that you can implement as part of your program at discounted rates:

  • Virtual Health Care
  • HR Software & Payroll Integration
  • HR & Employment support
  • Employment Assistance & Wellness programs
  • Enhanced Illness Protection Solutions
  • E-pharmacy discount program

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