At Benefluent Advisory, we’re the trusted group benefits broker organizations turn to for modern group retirement savings solutions. Our approach starts by getting to know your business and goals, then recommending a solution that fits just right.
We offer Group Registered Retirement Savings Plans (Group RRSP), Group Deferred Profit Sharing Plans (Group DPSP), Group Tax-Free Savings Accounts (Group TFSA), and Group Pension Plans. These flexible options help employers support their teams in building long-term financial security, all through simple payroll deductions.
These solutions have been shown to boost retention by giving staff peace of mind about their financial future. When integrated with payroll systems and group benefits, group retirement savings are easier to manage and more impactful for both employers and teams.
Our advisory team takes the time to understand your workplace, its goals, workforce, and culture. These insights help us design group retirement savings plans that are practical and meaningful. With our blend of financial know-how and thoughtful planning, we build solutions that align with your goals. We also integrate group savings with broader benefits packages to support employee wellbeing.
Here’s a look at the group retirement savings plans we offer:
A Group RRSP is a collaborative way to build savings. Staff can contribute a portion of their income before tax, and employers often match those contributions up to a set amount. This boosts savings potential over time. Contributions grow tax-deferred and belong to the staff member.
Because the plan is tied to payroll and benefits, contributions happen automatically. That makes it easy, consistent, and portable, even if someone changes jobs.
Pairing an RRSP with a Deferred Profit Sharing Plan (DPSP) brings together two smart savings tools:
This structure offers two key benefits: staff get to keep more personal RRSP room for other savings goals, and they gain from the loyalty-building features in their group benefits.
Group pensions are group savings plans funded by both employers and staff. While they’re more structured, they provide greater financial stability and are designed to help employees save consistently over time.
Many established businesses include pensions in their group benefits to build long-term savings tied to salary and years of service.
Every workforce has diverse financial needs. Some people appreciate a guaranteed income, while others want flexible investment options. That’s why we offer flexible pathways that let you pair a group pension with other savings plans. Merging plans helps you offer more comprehensive group benefits that speak to your team’s unique goals.
A Group Tax-Free Savings Account (Group TFSA) lets staff save and invest without paying tax on growth or withdrawals. Businesses often pair it with a group retirement plan to offer more flexible, tax-free ways for their team to save.
As a trusted group benefits broker, we help businesses include Registered Education Savings Plans (RESPs) in their offerings. RESPs help staff save for their children’s post-secondary education, showing that your company supports families and values loyalty.
Staff can always add extra contributions to their group retirement savings plan. Group TFSAs also offer another easy, tax-free savings option. With payroll deductions, it’s all automatic and straightforward, taking the guesswork out of saving.
Business owners, HR teams, and leadership often find it tough to explain benefits clearly. At Benefluent Advisory, we provide regular, easy-to-understand updates about your group RRSP plan. Our ongoing guidance and clear reporting help promote employee understanding and engagement, so you get the most out of your group benefits.
Every team is different. We tailor every group benefits and retirement savings plan to match your business goals and team priorities:
We create customized programs that promote satisfaction, retention, and participation.
At Benefluent Advisory, we believe that financial security plays a crucial role in employee well-being. Our group retirement savings programs are tools that help employers attract, retain, and compensate their staff in meaningful ways. By supporting financial stability, these programs also contribute to improved mental and physical health across your team. When employees feel secure about their future, they’re more focused, more engaged, and better equipped to thrive at work.
When benefits and payroll are aligned, deductions are timely and accurate. This integration helps streamline HR tasks, reduce administrative errors, and ensure regulatory compliance. It’s one of the many ways Benefluent makes it easier to manage group benefits with confidence and clarity.
Our services are trusted across Canada for good reason: we’ve helped countless businesses get the results they’re looking for. We break down every strategy step by step, so it’s easy for your leadership team and staff to understand and take action.
From the initial setup to ongoing administration, we’ve got you covered. Our automated systems make managing benefits and payroll seamless and reliable. We also coordinate group pensions to ensure every payment is tracked accurately and on time.
Managing employee benefits doesn’t have to be complicated. At Benefluent Advisory Inc., we’re here to help you simplify the process.
We’ll work with you to create group retirement savings programs that fit your goals and help employees feel supported in their financial journey. These plans can also be bundled with group health and dental coverage to offer a complete solution that enhances employee well-being.
Call our team today at 1 (888) 984-6070, email hello@benefluent.ca or click here to get in touch online and schedule your consultation. With our guidance, making sense of group benefits is easier than you think.
Trusted by Hundreds of Clients to Modernize their Group Benefits programs.
