Benefits & Retirement Specialists

Your organization succeeds when your people do

Your organization succeeds when your people do.

In a competitive job market, investing in an Employee Benefits and a Group Retirement Savings plan helps attract and retain top talent, boosts morale, and keeps your employees and their families happy and healthy.
A valued employee is a productive employee!

What is an employee benefits plan?

  • Helps protect your employees and their family’s health and well-being.
  • Helps to reduce financial stress if something happens.
  • Employees get coverage at a reduced cost and more comprehensive coverage, compared to most personal plans.
  • Helps employees cover costs of things their provincial health care plan may not.

An employee benefits plan can cover

  • Medical Services + Equipment
  • Prescription Drugs
  • Dental
  • Vision
  • Life insurance for Employees + Dependents, Accidental Death and Dismemberment
  • Disability
  • Critical Illness
  • Out of province/country emergency travel insurance
  • Employee Assistance Program

Group Retirement Savings Plans

Help build your employees financial security through a low fee group retirement savings plan.
A plan can include:

  • Group Registered Retirement Savings Plans (RRSP)
  • Group Tax Free Savings Accounts (TFSA)
  • Group Registered Education Savings Plan (RESP)
  • Deferred Profit Sharing Plan (DPSP)
  • Pension Plan


If you’re setting up an employee benefits plan, and a retirement savings plan at the same time, you may also be able to “bundle” both benefits to save you and your employees money.

Individual Insurance Solutions

There are other important pieces of the puzzle to put in place that a group plan may not cover.

Halpenny Group Benefits & Retirement Specialists offers consultations to ensure you and your organization are protected and well invested:

  • Personal life insurance
  • Personal disability insurance
  • Personal critical illness insurance
  • Key person insurance
  • Individual Health and Dental Benefits

We can also connect you with legal, accounting, financial and tax planning professionals that can help you, your business and your employees.