Let your employees start planning for retirement as soon as they, by offering them a group RRSP plan. A Group Registered Retirement Savings Plan (RRSP) is an employer-sponsored retirement savings plan, similar to an individual RRSP, but administered on a group basis by the employer. Contributions are usually made by pay-roll deduction, on a pre-tax basis, through a Group RRSP administrator. Employee contributions are often matched by the employer (typically to a maximum of 3-5% of earnings).

Offering an RRSP plan with contributions is a fantastic way to add benefits for your team and is commonly looked for by the new generations entering the workforce.

Your estate consists of everything you own – your car, your home, other real estate, checking and savings accounts, investments, life insurance, furniture, personal possessions and your business interests. An estate plan is a collection of documents that protects your assets and personal property and explains how you wish for them to be passed down. It documents your wishes and specifies exactly who will guard those wishes and act on them in your absence.

To be able to access these assets, your family will need an estate trustee. If you die without a Will, there is a process through court your family will need to go through to appoint an estate trustee. Creating a plan for your estate now can help your family avoid the uncertainty and legal fees associated with the court process.

While you don’t know what your future holds, we can help you make a plan so you’re always prepared. No matter the size, let us help you plan your estate, so you are ready for whatever may come your way.

A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property.