About RCF
Our Focus
RCF specializes in RCA-based supplemental pension planning for incorporated business owners, professional corporations, ownership groups, and selected key employees.
We help advisors and business owners evaluate when an RCA-based strategy may be appropriate, considering corporate cash flow, retirement timelines, ownership structure, existing registered plans, survivor needs, and long-term planning objectives.
Our Experience
RCF has focused on RCA-based supplemental pension planning for decades, helping advisors and incorporated business owners evaluate complex retirement compensation structures with clarity and discipline.
Our work is grounded in entitlement-based plan design, corporate funding capacity, plan documentation, and practical implementation support.
Our Approach
We start by understanding what the plan needs to accomplish.
Before recommending an RCA-based strategy, we consider the plan member’s objectives, corporate cash flow, existing RRSP or IPP planning, ownership structure, survivor needs, and long-term business objectives.
The result is a structured recommendation based on fit, not a product-first conversation.
Next step
Begin with a simple assessment
If you are evaluating whether this type of strategy may be appropriate, answer a few questions and we will follow up with the next steps.