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Group RRSP

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Employees are constantly on the lookout for better opportunities, with a group RRSP you demonstrate why your business is better than the rest in your industry.

Group investment plans (especially when coupled with a group benefits plan) help increase employee retention, improve productivity, attract and retain key talent for your business, and help prepare your employees for a comfortable and financially stable future with your company.

Why a group RRSP

  1. Better Fees – Think of a Group RRSP as a common investment, shared between you and your employees. Everyone gets to pick their own investment funds, but everyone benefits from pooling their money together so your advisor can negotiate lower fees for you.
  2. Tax Savings – Like contributing to a personal RRSP any contributions to a Group RRSP earn the contributor a tax deduction, and the money invested grows on a tax deferred basis until it is withdrawn from the RRSP. Employees who sign up for payroll deduction benefit from immediate tax savings.
  3. Contribution Match – A Group RRSP is at its most valuable to employees when an employer matches their contributions.
  4. A Proven Saving Method – When employees sign up for automatic payroll deduction it makes it easier to save as many people are not disciplined enough to save on their own.
  5. RRSP Consolidation – Many people will have RRSP accounts at multiple institutions and feel like it can be difficult to track and manage multiple accounts, we help plan members consolidate these accounts in one place.
  6. Liquidity – We always recommend that a Group RRSP be set up with no withdrawal or liquidity restrictions.

Services Offered

Many financial services companies look at group investment plans as “set it and forget it”, but we think people lose out on incredible value when any investment is looked at this way. When your plan is managed by Advantage Pacific, we regularly look at the fund options the employees of your plan have picked and will make recommendations to them of how they can rebalance their portfolio to better fit their risk tolerance, other investing preferences and how they could change their fund line up to earn a better rate of return.

All the plans we set up are customizable, meaning employees get to pick their own fund options. We prefer this as each employee is going to have a different risk tolerance and different investment preferences. As often as your employees would like, we will meet with them in person, on the phone, or though Zoom to review and reassess their risk tolerance to ensure they are invested correctly. All of this is no cost to the employee and is covered by the commission the fund company pays to us when you set up your plan.

Authorized distributor for The Canada Life Assurance Company, Equitable Life Insurance Company, The Manufacturers Life Insurance Company, Pacific Blue Cross, Sunlife and Benecaid. Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.



Advantage Pacific Benefits Consultants specialize in setting up and managing high quality, cost effective, sustainable Group Benefits Plans and Group RRSPs for businesses of all sizes in all sectors.

We also provide administrative services to all our clients at no extra cost, these services include processing new member enrollments, member terminations, beneficiary designations, maintaining all member files, and being available to all plan members to answer questions and help with claims submissions.

We also have internal insurance experts and strategic partnerships with independent portfolio managers to meet any person or businesses need for Investments, Life/Critical Illness/Disability, or Business Overhead Insurance.


Phone: 778-349-8774

[email protected]

1244 4th Ave,
Prince George, BC, V2L 3J4

Monday – Friday: 8:30 AM – 4:00 PM
Saturday: By Appointment
Sunday: Closed
After Hours Appointments Available by Request

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