Retirement Compensation Funding
Menu
  • Link Icon Link Icon Link Icon Home
    • Link Icon Link Icon Link Icon Products
      • Link Icon Link Icon Link Icon About Us
        • Link Icon Link Icon Link Icon Contact Us

          Products

          Click to edit


          Man doing statistical analysis



          PENSIONWrap™


          Whether it be an RRSP, MPPP, IPP or DBPP Wrap, RcF’s proprietary software projects the build-up of current pension balances combined with projected future contributions, to determine the projected final benefit, comparing that to the entitlement under the “Generally Accepted Guidelines” of 2% x years of service x final average earnings and, then determines the allowable funding allowed by CRA to a company sponsored Retirement Compensation Arrangement (RCA), to make up the Pension Shortfall.

           

          Column

          Falling coins



          PENSIONPlus™

          Retirement Compensation Arrangements (RCAs) are composed of two accounts, the RCA Investment Account (RCAIA) and the Refundable TAX Account (RTA). PENSIONPlus is a specially designed funding product for RCAs that integrates both the RCAIA and the RTA and allows for funds to be managed by a major insurance company, providing, Insured Survivor Benefits, Longevity Benefits and Professional Investment Management with strong guarantees.




          Click to edit




          PENSIONOptimizer™


          For companies that wish to provide additional top-up benefits to an RCA directly from the Operating or Holding Company or benefits to those that may not qualify under the RCA rules, PENSIONOptimizer is a customized tax sheltered Corporate Owned Insurance Product that works with a Retirement Redemption/Dividend Benefit (RRDB) Plan that redeems shares from retirement providing, a post-retirement stream of cash flow but, leaving company with substantial credits to their Capital Dividend Account (CDA).

          Column

          Stack of coins in front of a clock



          GROUPSerps™


          Many Family owned companies face the challenge of how to reward various generations of family working with the Family Company relative to their years with the company and contribution to it’s profits. A GROUPSerp or Supplemental Employee Retirement Plan, allows the company to fund an Intergenerational Retirement Trust that pays Supplemental Pension Benefits to family members, irrespective of their interest directly (as a shareholder) or indirectly (as a Trust Beneficiary) and, at the death of the Family Member, replaces funds to be used to pay benefits to the next generation of Family Members working in the company. 

          Column

          Business building and a smiling businessman drinking coffee in front of a laptop

          Column

          Everything You Need, In One Place


          • Comprehensive cash flow and budgeting information
          • Risk and insurance management options
          • Multi-generational wealth management
          • Only an RcF ledger clearly shows if the entitlement funding follows CRA guidelines

          • Only "Full Service" RCA provider in Canada

          • Special Trustee arrangements with BMO Trust Company, a wholly-owned subsidiary of Bank of Montreal.

          Schedule a comprehensive pension shortfall review today.



          CONTACT USCONTACT US

          • External link opens in new tab or window416.894.9277
          • External link opens in new tab or windowinfo@rcf.ca
            close lightbox