Benefluent Advisory is the trusted partner organizations choose for integrated group retirement and payroll solutions. Our process begins with understanding your business goals, then tailoring a program that aligns with your workforce and long‑term objectives.
We support a full range of retirement savings plans, including Group RRSPs, Group DPSPs, Group TFSAs, and Group Pension Plans — each designed to help employees build lasting financial security through convenient payroll deductions.
These flexible programs strengthen retention and engagement by giving employees confidence in their financial future. When connected with your payroll system and benefits program, they create a seamless, easy‑to‑manage solution that delivers lasting impact for both employers and their teams.
At Benefluent Advisory, we take the time to understand your organization — its goals, culture, and the needs of your people. These insights guide us in designing practical, purpose‑driven group retirement savings plans that align with your business objectives and support long‑term employee wellbeing.
Combining financial expertise with thoughtful plan design, we create integrated solutions that connect seamlessly with your broader benefits program — helping your team build financial security while strengthening your workplace culture.
Here’s a look at the group retirement savings solutions we offer to help your employees grow their savings and strengthen their financial wellbeing:
A Group Registered Retirement Savings Plan (RRSP) offers employees a convenient, collaborative way to build their financial future. Staff contribute a portion of their income before tax, while employers can match contributions up to a set limit — enhancing long‑term savings potential.
Contributions grow tax‑deferred and remain fully owned by the employee. Integrated with payroll, deposits happen automatically, making saving easy, consistent, and portable — even when changing employers.
Pairing a Group RRSP with a Deferred Profit-Sharing Plan (DPSP) creates a well‑rounded approach to group savings. Employees contribute through payroll to their RRSP, while employers share profits by contributing to the DPSP on their behalf.
This combination helps employees preserve individual RRSP contribution room for personal goals, while reinforcing loyalty through employer‑funded contributions — an attractive feature for both recruitment and retention.
Group Pension Plans provide a structured savings model funded jointly by employers and employees. Designed for long‑term financial stability, they encourage consistent saving and align well with established organizations seeking to strengthen their total rewards offering.
With benefits tied to salary and years of service, group pensions remain one of the most reliable ways to help employees achieve lasting financial security.
Providing clear, digestible & frequent information about your retirement savings program, including benefits, investment options, and alignment with corporate values for employees’ financial well-being, is the first step towards a successful savings plan.
Benefluent Advisory can assist you in creating comprehensive financial wellness programs covering retirement savings, budgeting, debt management, and financial literacy, aimed at improving your employee’s financial health.
Organizations must offer optimized fund lineups, diverse investment options, and contribution levels to meet varying employee needs. By doing so, we will enhance the engagement and personalization of your group retirement plan.
It is always recommended that organizations encourage employee participation by offering matching contributions or incentives. Doing so motivates & engages your staff, while showcasing your commitment to employees’ financial futures.
Capital Accumulation Plan (CAP) Guidelines compel employers to regularly assess and adapt their retirement savings program based on organizational changes, employee feedback and evolving workforce needs to ensure relevance & compliance.
Every team has diverse financial goals — some value the assurance of steady income, while others prefer flexible investment choices. Benefluent Advisory helps you meet both needs by integrating group pensions with complementary savings plans.
This combined approach creates a more comprehensive benefits offering, giving employees meaningful options that align with their individual goals while supporting your organization’s overall rewards strategy.
A Group Tax‑Free Savings Account (TFSA) gives employees the flexibility to save and invest without incurring tax on growth or withdrawals. It’s an excellent complement to a group retirement plan, providing an additional, tax‑efficient way for your team to build personal savings and meet short‑ or long‑term financial goals.
Benefluent Advisory helps organizations include Registered Education Savings Plans (RESPs) as part of a comprehensive employee benefits package. RESPs allow employees to save for their children’s post‑secondary education while benefiting from government incentives.
By offering an RESP program, your organization demonstrates a commitment to supporting families and fostering long‑term employee loyalty.
Employees have the flexibility to make additional contributions to their group retirement savings plan at any time. Group TFSAs also provide a simple, tax‑free way to save more toward personal goals.
With automatic payroll deductions, contributions are effortless and consistent — helping your team build financial security without the guesswork.
Communicating the value of employee benefits can be challenging. Benefluent Advisory makes it easier by providing clear, consistent updates and straightforward reporting on your Group RRSP program.
Our ongoing guidance helps employees understand and appreciate their benefits, driving greater engagement and ensuring your organization gets meaningful value from its retirement program.
Every organization is unique — and so are its people. Benefluent Advisory designs group benefits and retirement savings programs that reflect your business goals and employee priorities.
A financial firm may value structured savings with predictable contributions, while a tech company might prefer the flexibility of pairing a TFSA with a Group RRSP. Whatever your needs, we create customized programs that drive engagement, participation, and retention.
At Benefluent Advisory, we believe financial security is a cornerstone of employee wellbeing. Our group retirement programs not only attract and retain top talent but also foster overall wellness by supporting financial stability.
When employees feel confident about their financial future, they’re more focused, resilient, and empowered to thrive at work.
Integrating benefits with payroll ensures contributions are accurate, timely, and compliant. This alignment simplifies HR administration, reduces errors, and enhances efficiency — helping you manage your programs with confidence and clarity.
Benefluent Advisory is trusted by organizations across Canada for one reason: measurable results. We walk business leaders and employees through every strategy step by step, providing clarity and insight that make your benefits program easy to understand and implement.
From plan design and setup to ongoing administration and renewals, Benefluent Advisory delivers complete end‑to‑end support. Our automated systems make managing payroll and benefits seamless, while our hands‑on guidance ensures every detail — from pension coordination to contribution tracking — is handled accurately and on time.
Managing employee benefits doesn’t have to be complex. Benefluent Advisory helps simplify the process through clear advice, thoughtful planning, and ongoing support.
We’ll work with you to design group retirement savings programs that align with your business goals and help employees feel confident about their financial future. These plans can also be integrated with group health and dental coverage to create a complete solution that enhances overall wellbeing and retention.
Connect with our team today at 1 (888) 984‑6070, email hello@benefluent.ca or get in touch online to schedule a consultation. With Benefluent Advisory, understanding and managing your group benefits is easier — and more effective — than ever.
Trusted by Hundreds of Clients to Modernize their Group Benefits programs.
