Retirement Planning

Group Registered Retirement Savings Plans (RRSP) & Pension Plans

An employee retirement plan will make your workforce feel secure. It shows your employees that you value their service and support their future aspirations.

Advantages to Employee:

  • Immediate tax deduction, as you are not taxed on contributions
  • Lower management fees
  • Spousal contribution
  • A disciplined way to invest allows you to take advantage of “dollar cost averaging”

Advantages to Employer:

  • Group RRSP’s and Pension funds can be set-up with no trustee fees, and no termination fees
  • Attract and retain skilled employees
  • Administration and financial planning is carried out by Pension/RRSP providers

PGI Financial can assist with your decision as to the most cost effective way to fund your employee retirement program. Options available include:

  • Defined Benefit Pension (DB): with this type of plan, the employee gets a guarantee payout for life
  • RRSP Defined Contribution: employees receive money to invest and they take the risk

A certified financial consultant can tailor a plan best suited for your employees, risk tolerance and cost savings. We specialize in companies between 10-150 employees.


Service Area: For over 20 years PGI Financial has been helping clients in the Greater Toronto Area including: Milton, Guelph, Hamilton, Mississauga, Vaughan, Markham and downtown Toronto.