Our advisory services in retirement savings

AGA Benefit Solutions also meets your pension and retirement plan needs!

AGA has several pension and retirement plan experts, as well as many advisors with a dual license (group annuities and group insurance).

Whether you are considering setting up a pension or retirement plan or already have one, our experts can help you with a range of high-quality, tailor-made services and customized advice.

Competitive plan offering

It is important to review your plan regularly in order to monitor developments and make any required adjustments.

Monitoring fund performance

As financial market conditions keep changing, today’s best investment vehicles will not necessarily be the top performers in a few years’ time. Therefore, it is important to regularly assess the performance of the funds offered in your plan by comparing it to various market indices and universes of comparable funds on the market.

When funds give troubling signs in terms of their management practices, leadership team or results, AGA will suggest alternatives to correct the situation. A communication is then prepared to advise members of the changes.

Negotiating management fees

The management fees deducted from the returns of the funds offered in pension and retirement plans are negotiable. Fees will vary based on several factors, such as total assets, average assets and the expected contribution level.

It is imperative to periodically review the management fees charged to your pension or retirement plan, to validate their competitiveness and negotiate with the current provider. When needed, we can issue a call for tenders to several providers.

Reviewing your plan’s features

Your pension or retirement plan is part of your employees’ total compensation, and it is important to ensure that the plan still meets their needs. Whether it be for contributions, withdrawal rules, vesting rules or any other feature of your plan, AGA is always able to provide comparative analyses that will help you make informed choices.

Communication, communication and education!

A pension or retirement plan is first and foremost meant for employees. It is therefore vital to effectively communicate all the plan’s features, applicable rules, investment options, etc. It is also important to properly educate employees on retirement savings and investments, and guide them through their retirement planning.

We are equipped to support our clients and adapt our communications to attain maximum outreach among the members. Through memos, webinars or face-to-face meetings, we can adequately communicate the issues related to pension and retirement plans.

We also offer topical workshops for employees, including retirement planning sessions.

Providing simple and effective plan administration

We are aware that administering a pension or retirement plan is not the primary business of our clients! This is precisely why we offer a customized service to promptly resolve the various issues and answer all questions. Doing more for each client is our promise!

Would you like to test our services?

If you already have a pension or retirement plan, contact us to get a free and complete diagnostic of your plan’s competitive status.