Employers are in a position of authority that obligates them to act on behalf of employees (as in managing money) and assumes a duty to act in good faith and with care, candor, and loyalty in fulfilling the obligation.

Government programs do not provide enough for comfortable life after work.

Retirement Program
Annual Plan Reviews

  • Benchmarking against Capital Accumulation Plan Guidelines
  • Highlight areas that need addressing, provide suggestions for improvement
  • Financial, demographic, legislative review
  • Create & monitor program objectively to ensure compliance & mitigate potential risks
  • Plan Sponsor Services – Plan Design, Governance, Investment Analysis
  • Member Education Services:
    • Leverage tools & services made available to aid plan members
    • Focused group education sessions

Stewardship (Advisor Role)

The conducting, supervising, or managing of something; especially, the careful and responsible management of something entrusted to one’s care.


You choose a plan design(s) that suits you

Registered Pension Plan (RPP)
– Defined Benefit (DB) & Defined Contribution (DC)

Deferred Profit Sharing Plan (DPSP)

Registered Retirement
Saving Plan


  • A low-cost, high-value way to attract & retain employees
  • MOH, along with the provider do all the heavy lifting and plan administration
  • Top-quality products, competitive pricing & best in class solutions
  • Low fees so retirement savings grow faster
  • First-class service & support
  • Access to annual (minimum) education & professional advice