Group Retirement Benefits

Our firm has a unique approach to providing group benefit services that has stood the test of time and surpassed  our clients’ service expectations.

Every group benefits consultation meeting is the result of a referral from an existing satisfied client.

Our initial meeting is a “getting to know each other” luncheon/meeting where the main message of our unique service proposition is discussed with prospective clients. After this initial meeting, a non-committal written authorization to research a firm’s existing package of services is provided to our firm.

Montcalm and Associates then undertakes to provide a report detailing all the plan provisions, policies, existing fee structure, CRA regulations and member admission requirements. This report will detail available investment choices to employees, whether these are sufficient and appropriate to the plan and how the plan compares to other plans within the client’s industry.  Our experience has shown us that most companies today are paying higher than average investment fees and that they have not conducted any due diligence of their plan since it was introduced to their employees.  This can result in thousands of dollars being paid out in fees by their employees needlessly.  Of equal importance, the report would also focus on the plan's compliance with the new guidelines for Capital Accumulation Plans (CAP Guidelines).  These guidelines can be viewed at www.joint-forum.ca .

Following our research gathering, a full presentation is then provided to the clients’ management team, accountants and/or other interested parties where all the research data is reviewed and any pertinent changes/improvements discussed.  Once our service/product proposal is accepted our team establishes a transition timeline and completes the process.

Montcalm and Associates will deliver employee information sessions at a location(s), time(s), of your firm’s choice and in both official languages. These sessions are geared to educating the company's staff to ensure their benefit package is well understood and its benefits appreciated.

An individual one on one sit down is held with each member employee where all documentation required to proceed with the transition is completed and any questions are dealt with promptly and professionally.

On a going ahead basis, regular seminars are held with employees to update them on market fluctuations, expectations and to re-visit individual goals.

The result is the freeing up of busy accounting or human resource professionals from the day to day management of company benefit plans.