Advisory & Plan Design
Restrained advisory.
Designed for Alberta’s growing enterprise.
We evaluate and build sustainable group structures across 8+ Canadian carriers. No generic configurations. No carrier bias. Just objective analysis focused on long-term renewal viability.
Comprehensive Group Benefits
We construct traditional benefit plans that carefully balance employee support with employer cost control. By auditing demographics and past claims, we construct benefit formulas that protect your margins through future renewals.
Health & Dental
Prescription drug frameworks, preventive dental, and paramedical coverage structured for stability.
Life & Disability
Short and long-term disability protection designed to support your workforce during critical transitions.
EAP Integration
Confidential mental health support systems configured to decrease absenteeism and improve focus.
Renewal Negotiation
Active year-over-year claims analysis to counter automatic premium increases from carriers.
AI+Trust Architecture — Model 01.A
Alternative structures — HSA & WSA
Health Spending Accounts (HSA)
For enterprises seeking absolute financial predictability. An HSA converts variable health insurance premiums into a fixed, pre-defined corporate expense. Provide your team with tax-free flexibility while capping your corporate exposure.
- ■ CRA-Eligible Coverage: 100% tax-free reimbursement for a broad spectrum of medical expenses.
- ■ Controlled Costs: Set precise annual limits per employee class. Unspent allocations remain with the employer.
- ■ Flexible Pairings: Deploy as a modern standalone benefit or as a top-up mechanism for traditional programs.
- ■ Seamless Digital Claims: Simple, intuitive receipt submission with rapid direct deposit turnarounds.
Group Retirement & Savings Strategy
Group RRSP & DPSP Design
Align employee incentives with your corporate goals. We design integrated Group RRSP and Deferred Profit Sharing Plan (DPSP) matching formulas with vesting periods up to two years to reward long-term tenure.
Tax-Efficient Matching
Maximize your corporate deductions. We configure employer contribution strategies that remain highly tax-efficient, avoiding unnecessary payroll taxes while directly driving workforce recruitment and retention.
Enrollment & Education
A retirement plan is only successful if your employees understand its value. We manage the onboarding and deliver clear, human educational material to secure active program participation.
Corporate & Key-Person Protection Planning
A business structure requires internal security. We advise on critical structural protections designed to preserve the enterprise in the event of disability, illness, or loss of critical executives.
Key-Person Insurance
Secures liquidity to cover operational disruptions and recruiting expenses during the replacement of vital leadership figures.
Buy-Sell Funding
Structured partnership insurance designed to fund shareholder agreement execution smoothly, avoiding internal family disputes or structural default.
Corporate-Owned Life
Tax-efficient reserve accumulation options that protect asset value and optimize transition capital for business succession.
Disability & Illness Protection
Tailored executive coverage frameworks that sustain cash flow and secure ownership stability during temporary or permanent illness.
The 5-Minute Benefits Audit
Request our immediate 20-question printable evaluation covering coverage adequacy, renewal stability, owner protection, and talent retention. Free of commercial pressure.
Request a Plan Comparison
We perform comprehensive structural reviews comparing benefit configurations across 8+ Canadian carriers. Tell us about your group size and renewal goals below.