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  • Age matters: A demographic perspective on employee education | Small Biz Advisor
    stages each of which requires separate messaging The first group is the 20 somethings who think they re invincible and that they ll never need retirement savings They think they re not going to die he says It s really hard to get people to contribute at that age Many are buried under a mountain of student debt while some may be thinking about buying a home You can open the discussion by talking about loan repayment but don t write off saving even for distant goals such as retirement Also keep in mind that it s important to use examples to which the younger demographic can relate So when the subject of retirement comes up get them to think about how their parents and grandparents saved for their golden years Also use examples from popular culture I talk about sports and fashion says Foot With the next demographic which falls between ages 30 and 50 ideas around saving can be presented more forcefully but shouldn t be the first topic of conversation The main priority for this group is still debt management most are trying to pay down big mortgages however it s critical to continue to talk about saving especially to the 40 somethings who should now have some disposable income The key is to centre the discussion around family and the language and messaging should focus on issues parents face today At this stage it s about protecting the family and protecting yourself says Foot So it s important to explain how investing in a group retirement plan can help the whole family As people reach age 50 and older saving should be top of mind While many older people still have debt Foot says that in general it s in the last 10 years of someone

    Original URL path: http://www.smallbizadvisor.ca/group-benefits/age-matters-a-demographic-perspective-on-employee-education-2645 (2016-04-26)
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  • Healthy workforce, healthy company: Wellness programs show ROI | Small Biz Advisor
    programs can start small for little cost and then grow Easy first steps may be serving fresh fruit instead of doughnuts at meetings adding flexible work options and encouraging people to bypass the elevator by making sure stairs in the building are accessible In addition employers should take advantage of no cost resources available from underutilized employee assistance programs and credible third parties such as the Heart and Stroke Foundation We also have an abundant selection of free content available to plan sponsors and their members on our online health and wellness centre says Pfeiffer While individual programs can help foster a wellness culture Pfeiffer believes there are good reasons for businesses to implement a corporate strategy A more systematic approach can help employers focus their limited resources on what their workforce really needs leading to real cost savings and sustained behaviour change he says Provided that there have been eight or more claims over one year advisors can begin by suggesting that employers conduct a health benefit diagnostic analysis of several years of group insurance plan data including the cost of drug plans paramedical benefits and both short and long term disability This will identify trends such as a high incidence of diabetes or mental health claims that can form part of a needs analysis The next logical step for advisors is to encourage employers to consider offering a workforce health risk assessment HRA Standard Life offers employers an online HRA Employees get personalized test results and can access a health and drug library and Canadian medical resources through a web portal For an additional cost employees can contact a health coach and review their results over the phone the coach can help them set and attain personal health goals Meanwhile employers with more than 10 participants have access

    Original URL path: http://www.smallbizadvisor.ca/group-benefits/healthy-workforce-healthy-company-wellness-programs-show-roi-2644 (2016-04-26)
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  • Reaching for the Top | Small Biz Advisor
    it s important to listen and learn then you can participate says Perera Just don t exclude yourself I know a number of strong women in leadership roles and women in senior positions who have made it easier for me because there s someone to model after Don t take no for an answer For Brookhouse perseverance has been an important key to success Eight years into her career as a financial advisor she can say I don t worry about what other advisors are thinking about me do they accept me or how am I doing compared to them You don t necessarily get asked to go and play poker but that s okay That doesn t bother me now because I m more comfortable with myself and I don t feel I need to prove anything to anybody about myself That self assurance has come with time and with repeatedly putting herself out there A lot of women have a fear of success says Brookhouse One of the biggest barriers I faced was to get out of my own way and not be afraid to ask for the business She adds Just because they didn t say yes today doesn t mean they won t say yes tomorrow or think of you when the time comes It s important not to get disappointed You just have to keep doing it You can also accept a yes on your own terms Higginson started out working for a major insurer Ten years in working in a primarily male sales force selling to primarily male brokers she had earned her stripes She was a top performer rewarded with trips and prizes Then the company reorganized and she was let go It came as a shock She vowed that she would never let others decide she wasn t needed again and moved to the brokerage side of the business Scott Porteous the president of Renfrew s life and benefits division at the time offered Higginson a position as a marketing service assistant She made a counter offer I said that I would work for him on an administrative basis but in every spare moment I would be working toward building my own business and client base and that I didn t expect to be working for him for more than a year she recalls After a year our relationship started to evolve and eventually it became a partnership Identify good role models Porteous became a mentor to Higginson and Perera believes that it s vital to have more experienced people guide you in this business especially other women I know a number of strong women in leadership roles and women in senior positions who have made it easier for me because there s someone to model after she says If you re challenged with a difficult situation ask for help Many women in the industry may have experienced something similar and I think it s great if we can support one another

    Original URL path: http://www.smallbizadvisor.ca/your-business/reaching-for-the-top-2638 (2016-04-26)
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  • Tips from the SME trenches – Fall 2013 | Small Biz Advisor
    must use smart strategies to stay competitive Share these two articles adapted from the third edition of Advisor for Business magazine so clients can learn which retirement savings messages resonate with employees at different ages and how an Ontario based seed supplier uses group benefits to cultivate healthy and wealthy employees It s never a bad time to save for retirement Demographer David Foot suggests strategies to engage employees of

    Original URL path: http://www.smallbizadvisor.ca/advisor-for-business/tips-from-the-sme-trenches-fall-2013-2683 (2016-04-26)
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  • Tools & Resources: Earn CE credits on the Advisor Portal | Small Biz Advisor
    be able to access free authoritative information that will help you satisfy your professional accreditation requirements Download PDF version The first programs available on the site will focus on group business including an introduction to group savings and retirement and its business building potential and an overview of the Joint Forum of Financial Market Regulators Guidelines for Capital Accumulation Plans Later we will be adding courses on retail topics The

    Original URL path: http://www.smallbizadvisor.ca/advisor-for-business/tools-resources-earn-ce-credits-on-the-advisor-portal-2647 (2016-04-26)
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  • Advisor for business | Small Biz Advisor - Part 3
    powered by Standard Life April 29 2013 Once they decide to implement a group savings and retirement GS R plan your clients have Competitively Safe BY Advisor For Business powered by Standard Life April 29 2013 Download PDF version Small business profile It may be a thriving 45 year old independent oilfield service company Making connections BY Advisor For Business powered by Standard Life April 29 2013 Brian Reid has first hand experience of the value of a referral network Almost 15 years Business Insights Spring 2013 BY Advisor For Business powered by Standard Life April 29 2013 What s new in group benefits Download PDF version Small businesses with fewer than 100 employees were Slicing and dicing the pie BY Advisor For Business Insights from Standard Life April 9 2013 Advisors who are successful in the group insurance and group retirement market say segmentation is Tax Wise BY Advisor For Business Insights from Standard Life March 12 2013 Your small business clients may well be aware that offering employee benefits helps attract and retain Group Encounters BY Advisor For Business Insights from Standard Life February 14 2013 It s been 40 years since Mike Duggan started specializing in employee

    Original URL path: http://www.smallbizadvisor.ca/advisor-for-business/page/3 (2016-04-26)
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  • Advisor for business | Small Biz Advisor - Part 4
    Tools Resources BY Advisor For Business Insights from Standard Life January 3 2013 Standard Life s research shows that most Canadian financial advisors 63 would be INTERESTED in offering Purple Hearts Security Inc BY Advisor For Business Insights from Standard Life January 3 2013 VITAL STATISTICS NUMBER OF EMPLOYEES 18 full time 30 part time LOCATION Toronto YEARS IN BUSINESS Three INDUSTRY Security services BENEFITS 80 coverage for dental and

    Original URL path: http://www.smallbizadvisor.ca/advisor-for-business/page/4 (2016-04-26)
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  • RSS Feeds | Small Biz Advisor
    RSS feeds The entire site Full site Just your favourite section News Group Benefits Group Retirement Your Business Sections News Group Benefits Group Retirement Your Business Partner Education Advisor for business Services Bulletins RSS Feeds Customer Service Subscribe Contact Us

    Original URL path: http://www.smallbizadvisor.ca/rss-feeds (2016-04-26)
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