End-to-end expert retirement and pension plan services and support

From continued operation of an existing plan to executing a customized solution to meet your organization's strategic objectives, our multi-disciplinary team of experts work together to tailor solutions that meet your organizational needs

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Why choose our consultants?

Trusted professional experts

As one of Canada’s largest appointed pension fiduciary administrators, we’ve helped guide employers and worked closely with regulators for over 30 years.

Built for Canada

As a fiduciary for over 150 plans across nine Canadian jurisdictions and adviser to hundreds more plan sponsors and fiduciaries, we know what it takes to control risk and cost over the short and long-term.

Powered by technology and analytics

Our tools and insights can help improve outcomes for employees past and present, while helping to enhance engagement and control risk.

Comprehensive consulting services

Our suite of services will be tailored to your organization’s unique needs and can be implemented individually or together.

Defined benefit and actuarial services

Defined contribution

Investment services

Governance and legal services

Regulatory services

Integrated plan management

DEFINED BENEFIT AND ACTUARIAL SERVICES
Comprehensive support for sponsors and fiduciaries
In addition to excellence in compliance, we provide consulting and actuarial support on all aspects of defined benefit and target benefit retirement plans, as well as benefit arrangements that require actuarial support.
We can help you efficiently meet your regulatory needs for funding and accounting valuations and help improve resiliency and outcomes for your organization and your plan members.
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We help organizations:
Support employee engagement and appreciation of plan value
Stay competitive by focusing on the most impactful steps to manage cost and risk
Make informed decisions that stand up to scrutiny
Understand and respond to the impact of demographic profiles and shifts in your plan membership
Stay alert to risks and opportunities in real time
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DEFINED CONTRIBUTION
Caring and optimising for your organization’s unique needs
Our trusted professional experts and partners provide consulting support for sponsors and/or fiduciaries in all aspects of defined contribution and other capital accumulation plans (CAP).
Every organization has unique goals, resources, and makeup. Our consultants work closely with your organization to build, guide and monitor your plan, while ensuring employee programs are objective-driven.
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Our areas of expertise:
Plan design
Modelling and decision support tools
Administrator evaluation and selection
Education and financial coaching
Governance and policy support
Membership and program studies
Workforce resiliency savings programs
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INVESTMENT SERVICES
Custom solutions supported by independent experts
We provide comprehensive consulting support for sponsors and/or fiduciaries on investment and financial risk aspects of retirement plans, as well as fiduciaries to a range of other endowments and trusts.
Our experts can offer support to help to ease management overhead and mitigate potential risks to your objectives.
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Our services include:
Measuring fund experience against your objectives
Regular feedback on performance, market, and operational developments
Tracking what matters to you from a wide variety of risk measures
Attribution and portfolio analysis to calculate sources of risk and return
A lens on past and expected future performance
Advice, manager interviews and assessments
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GOVERNANCE AND LEGAL SERVICES
Manage legal and compliance risks with confidence
Our lawyers and notaries specialize in the finer points of pension and benefit plans, so you can feel confident that your organization may remain compliant, achieve its goals, and provide security for its plan members.
Our experts across Canada can help design, roll out, and govern retirement and benefits plans for your members.
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Step 1: Develop and implement
Pension and benefits plans
Trust agreements
Annuity, longevity insurance, and funding documents
Policies and member communications
Letters of credit
Conversions, mergers, and more
Step 2: Administer and advise
Plan amendments
Legislative and regulatory updates
Investments rules
Plan administration requirements
Full and partial windups
Trend analysis and specific issue resolution
Non-pension benefit arrangements
Income tax needs
Step 3: Govern and monitor
Auditing plan governance
Governance frameworks and reviews
Policies and procedures
Training on key issues
Benchmarking
Integrated risk management and monitoring
Quebec or other bylaws
Delegated support services
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REGULATORY SERVICES
Helping to improve outcomes for beneficiaries
Our multidisciplinary team finds innovative methods to safely administer, restructure and wind up plans when sponsors can no longer support them.
For bankruptcies, insolvencies or corporate restructurings that affect pension plans of all sizes, we leverage our team of expert consultants, actuaries, lawyers, and plan administrators to assume fiduciary responsibilities and work towards the best possible outcomes for members in partnership with pension regulators.
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Our regulatory services include:
Management of pension plans of any complexity or jurisdiction
Post-restructuring deferred settlement arrangements
Building long-term investment strategies that help to enhance funding positions in a risk-controlled environment
Supporting plan beneficiaries against competing interests
Negotiate the sharing of surplus
Handling administration and communications with beneficiaries
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INTEGRATED PLAN MANAGEMENT
Complete pension plan management solutions
Combining the unique power of our administration and consulting offerings, we can provide full-spectrum retirement consulting and administrative solutions to take care of as much of your organization’s pension plan operation as appropriate to your circumstance.
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Our plan management services help:
Control costs
Mitigate risk
Minimize effort
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Financial and retirement wellbeing seminars

With content that is tailored for your employees, our expert-run seminars equip your plan members with helpful insights to approach retirement with confidence while explaining the value of your retirement and savings plans.

Helping to enhance the financial health of organizations and their employees

A diverse group of instructors – including financial planners and actuaries – provide a holistic view of what employees need to know about retirement planning.

Our prepared, self-contained topics include: