Pointway Wealth & Benefits
Pointway Wealth & Benefits
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Group Retirement Solutions
Secure Your Team's Financial Future

Give your employees peace of mind about their financial future and show them you're invested in their long-term success.

Comprehensive Retirement Planning

We offer a range of group retirement solutions to suit different organizations, from simple savings options to more structured pension plans.

Group RRSP

A Group RRSP is an easy-to-administer way to help employees save for retirement. Contributions are deducted directly from payroll, offering immediate tax savings. Employers can also match contributions if desired, adding real value to the plan.

Immediate Tax Savings

Payroll deductions reduce taxable income immediately

Optional Employer Matching

Add real value with contribution matching programs

Portable & Flexible

Great recruitment and retention tool for competitive industries

Key Benefits:

  • • Easy payroll integration
  • • Employee investment control
  • • Immediate vesting
  • • Low administrative burden

DPSP (Deferred Profit Sharing Plan)

Often paired with a Group RRSP, a DPSP allows the employer to share company profits with employees in a tax-efficient way. Employer contributions are tax-deductible and grow tax-deferred inside the plan.

Employer Contributions Only

Share profits when company performs well

Tax-Deductible

Employer contributions are fully tax-deductible

Vesting Schedule

Funds vest over time, helping with employee retention

Perfect For:

  • • Profitable companies
  • • Variable compensation strategies
  • • Employee retention programs
  • • Tax-efficient profit sharing

Pension Plan Options

Structured retirement solutions for comprehensive employee security

DC (Defined Contribution) Pension Plan

A DC pension plan offers structured, long-term savings with employer and employee contributions. Funds are invested in individual accounts, and the final retirement income depends on the total contributions and investment performance.

Formal retirement structure
Clear savings targets
Competitive benefits package
Individual investment accounts

Best for: Growing companies looking to offer a competitive benefits package with structured retirement savings.

DB (Defined Benefit) Pension Plan

DB plans provide employees with a guaranteed retirement income, typically based on salary and years of service. While they require more oversight and long-term funding, they deliver peace of mind and strong retirement security.

Guaranteed retirement income
Actuarial support included
Long-term sustainability focus
Premium employee benefit

Best for: Established organizations committed to providing maximum retirement security with predictable employee benefits.

1

Consultation

Understand your needs, goals, and employee demographics

2

Design

Create a customized retirement plan that fits your budget

3

Implementation

Set up administration, enrollment, and employee education

4

Ongoing Support

Regular reviews, compliance monitoring, and plan optimization

Start Building Your Team's Retirement Security

Let's design a retirement plan that attracts talent and secures futures.

Schedule Consultation Call: 1-888-676-4689