Every day, you face real challenges: unexpected operational issues, departures of key team members, tight resource management, and complex financial decisions. In this context, proactive management becomes essential to ensure your company’s stability and growth.
Better managing your cash flow, structuring your investments, reducing your tax burden, and anticipating risks, these are powerful levers to strengthen your position. To make every decision count, you need clear, coherent strategies perfectly aligned with your business goals.
Our experts support you with tailored plans designed to protect what you’ve built, support your ambitions, and help you maintain control, even in times of uncertainty.
At J. Gérard Fortin & Associates, we understand the challenges businesses face when implementing group savings plans. That’s why we offer a simple, fast, and tailored approach to fit your reality.
We guide you in choosing the plan best suited to your organization by providing effective solutions that meet your obligations while enhancing your role as an employer. With our support, you can implement a RVER hassle-free, while contributing to your employees’ financial well-being.
Achieve your compliance, attractiveness, and performance goals with confidence.
At J. Gérard Fortin & Associates, we offer you much more than advice: targeted expertise built on listening, analyzing, and understanding your reality.
Our recommendations are clear, concrete, and designed to meet your objectives, not generic templates. Your business deserves solutions tailored to its unique needs and that’s exactly what we deliver.
We provide personalized advice by creating a comprehensive plan that effectively combines investments and insurance solutions. Our goal: to address all your needs with clarity, coherence, and precision.
We carefully select, from thousands of financial products, those best suited to your specific requirements.
We know the business world because we are part of it. We understand your challenges and speak your language.
We constantly update our knowledge and closely monitor economic developments to provide you with advice that always fits the market.
Your employees’ best interests are at the heart of our commitment. Our mission is to guide you toward personalized, optimal solutions tailored to the specific needs of every member of your organization. Thanks to our in-depth expertise and comprehensive service offerings, you and your employees can be confident of strong, lasting protection throughout your lives.
You work hard to grow your business. Fortunately, you’re not alone. Our role is to activate different levers at every stage of your company’s development to support your growth, help your assets grow, and protect them effectively.
The group savings plan is one of the most effective tools for preparing for retirement. These registered plans, such as group RRSPs and pension plans, allow for regular long-term contributions and benefit from the strategy of dollar-cost averaging. Beyond the tax advantages of a personal RRSP, here are the specific benefits of a group retirement savings plan:
Enjoy tax deductions through automatic payroll deductions.
Your employer can add contributions, increasing your savings with no extra effort.
Benefit from the expertise of authorized administrators who optimize your investments.
Interest rates and management fees are negotiated based on the collective purchasing power of your group plan, often more competitive than individual options.
At J. Gérard Fortin & Associates, we provide you with privileged access to complementary professional expertise. This means you benefit from a single point of contact to quickly reach all the essential resources necessary for your success.
Group plans also offer valuable protection against creditors. Indeed, assets held within a group plan are generally shielded from legal actions seeking to recover personal debts. This protection is particularly advantageous for business owners, entrepreneurs, professionals, and anyone concerned about their civil liability.
Moreover, the law now requires companies with five or more employees aged 18 or older, with at least one year of continuous service, to offer a group RRSP and automatically enroll their employees.
Lawyers, accountants, mortgage brokers, and notaries are available to support you.
Secure your assets held within the group plan from legal claims related to your debts.
Assistance in setting up a group RRSP that complies with regulatory requirements.
In today’s constantly evolving business environment, it is essential to have comprehensive support that goes well beyond traditional solutions. At J. Gérard Fortin & Associates, we provide a range of included services designed to protect your business, manage your assets efficiently, and help you plan for a secure future. Our personalized approach delivers tangible benefits tailored to your specific needs, while ensuring the well-being of your employees.
We understand that the incapacity of a key leader or partner can have significant impacts on your company’s stability. That’s why we help you generate liquidity in unexpected situations, ensuring operational continuity and financial security for your organization.
Maximizing your returns while minimizing taxes is a critical challenge. We assist you in intelligently structuring the allocation of your profits balancing reinvestment, salaries, and dividends to reduce your tax burden and grow your assets effectively.
Preparing for the future means anticipating the transition of your business. We help you clearly define your personal plans post-transfer and develop a tailored succession plan that ensures the long-term sustainability and success of your organization.
Beyond traditional group insurance plans which can be rigid and costly we offer an innovative approach with the Health TFSA. This solution gives your employees greater flexibility to finance paramedical care, eyewear, or dental expenses, while maintaining your organization’s financial balance.
Your situation evolves, and so do your needs. We commit to providing regular, personalized follow-up at least once a year or upon request—to adjust your strategies and ensure they remain perfectly aligned with your goals.
A group savings plan offers your employees a simple and advantageous way to prepare for retirement, while providing tax benefits for your business. It also helps improve your company’s attractiveness and employee retention.
We offer personalized support that includes tax optimization, income management, strategic succession planning, and regular follow-up to adjust your solutions as your needs evolve.
Collective plans can protect your assets from creditors in the event of personal debts and generate liquidity in case a partner becomes incapacitated. They also help secure your business’s continuity in the face of unforeseen events.