Ethicor Financial Corporation is an independent brokerage firm. Privately own we don’t represent just one supplier but many Financial Institutions. Our recommendations are based on the needs of our customers and the selected suppliers are those who will provide the plan best suited to the needs of our customers. Our compensation fees are based on the rules of the selected provider and we offer complete transparency as to the nature of this compensation.
Generate tender for new or existing Plan
Prepare requirements specification and analysis of selected suppliers proposals
Recommend and implement Group Benefits Plan.
Support and assistance to HR department
Presentation & training for your employees
GROUP BENEFITS PLAN DESIGN
Analysis of common and complex Group Benefits Plans
Implementation of new Group Plans (Flexible, Modular, Self-Insured)
Analysis of the protections for key individuals and creation of division
Improve and modification of existing Plans (Health Spending Account)
Consolidation of existing Plans (fees reduction)s
COUNSEL ON BENEFITS LAWS AND REGULATIONS
Expertise in Government Programs and Social Laws
Calculation of premiums and taxable benefits
Premiums distribution analysis and maximisation
Tax optimization based on the reduction of the taxation benefits costs
Knowledge on unionized environment and multi-site divisions
Plan cost control planning
Evaluation and negotiation of experience based benefits rates
Compare and generate reports of drugs and dental care claims
Financial and comparative analysis on taxable benefits costs share
Quantitative evaluation of the loss ratio and experience target average
Providing a retirement plan is often seen as a competitive advantage for your business. Give your employees access to some of the most effective savings instruments thanks to Ethicor Financial Corporation.
Group Registered Retirement Saving Plan – Group RRSP
Deferred Profit-Sharing Plan – DPSP
Tax-Free Saving Account – TFSA
Registered Retirement Income Fund – RRIF
Registered Pension Plan – RPP
Simplified Pension Plan – SPP
Defined Contribution Plan – DCP
Defined Benefit Plan – DBP
Individual Pension Plan – IPP
Voluntary Retirement Savings Plan – VRSP
Our commitment: Continuous monitoring with the Plan Manager and/or Governance Committee. To be always present for your employees, at all phases of their employment ,with your Company (hiring, during the employment and at retirement). Improve the overall knowledge of your employees on Finance and retirement planning.
Selection of the most cost-effective and best products provider.
Assist the Employer with their obligations and responsibilities
Help your employees to build a tailored made portfolio according to their investor profile
Strengthened your employees financial situation throughout retirement
Build a tax-efficient solution for your retirement plans