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  • Let them save, says CLHIA | Small Biz Advisor
    believes the country s retirement system is far from broken and that individuals simply need more incentive to save for themselves The Canadian Life and Health Insurance Association s CLHIA latest report Saving More for the Future An Achievable Goal for Canadians offers recommendations that tinker with the existing retirement structure such as expanding access to multi employer pensions plans MEPPs as opposed to significant reforms This article was first

    Original URL path: http://www.smallbizadvisor.ca/news/let-them-save-says-clhia-77 (2016-04-26)
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  • Group Retirement | Small Biz Advisor - Part 33
    The Professional Institute of the Public Service of Canada PIPSC is the latest organization to Union lobbies for pension legislation change BY Staff August 5 2011 United Steelworkers members and widows of members in Sudbury are lobbying for changes to Ontario s How to sell a CAP to a small group part 4 BY Alex Gillis August 2 2011 Selling a capital accumulation plans CAP to a small group is an involved process that How to sell a CAP to a small group part 3 BY Alex Gillis July 26 2011 If you have successfully identified potential small capital accumulation plan CAP clients and spent time Communication Corner BY Leigh Doyle July 21 2011 A successful small group retirement plan or small group benefit plan starts with strong communication The new agreement for multi jurisdictional plans BY Philip Morse senior consultant Towers Watson July 21 2011 According to Statistics Canada there are almost 3 000 registered pension plans in Canada with members Why DC pensions can be better than DB BY Greg Hurst pension consultant Greg Hurst Associates Ltd July 21 2011 The Institute for Research on Public Policy recently published a paper by economist Keith Horner How do your

    Original URL path: http://www.smallbizadvisor.ca/group-retirement/page/33 (2016-04-26)
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  • Group Retirement | Small Biz Advisor - Part 34
    How to sell a CAP to a small group part 1 BY Alex Gillis July 13 2011 More individuals and companies are focusing on retirement planning these days RSPs CAPs DPSPs Pensions see moderate losses in Q2 BY Advisor staff July 12 2011 After three consecutive quarters of gains Mercer s pension index shows that many Canadian plans suffered CAP 101 IPPs and the advisor BY Jon Clarke Prizm Financial Inc July 6 2011 Individual pension plans IPPs are defined benefit pension contracts specifically designed to maximize the Canadian Revenue New insurance agency for SMBs BY Staff June 30 2011 ADP Canada a provider of human resources and payroll solutions announced the launch of ADP Canada Insurance Agency BenefitsCanadaTV Affordable PRPPs BY Staff June 28 2011 Since the announcement of pooled registered pension plans PRPPs by the Federal government plan sponsors BenefitsCanadaTV Legal risks of DC plans June 28 2011 Just because there haven t been any large lawsuits around DC plans in Canada yet doesn t Exploring IPPs BY Leigh Doyle June 24 2011 Since the Conservative government announced changes to individual pension plans IPPs industry players have been Small Group Plans Turning no into yes BY Rona Birenbaum

    Original URL path: http://www.smallbizadvisor.ca/group-retirement/page/34 (2016-04-26)
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  • Group Retirement | Small Biz Advisor - Part 35
    myths part 3 BY Vikram Barhat June 14 2011 Many small business owners may want to provide a group retirement plan for their employees Debunking group retirement plan myths part 2 BY Vikram Barhat June 10 2011 Many small business owners may want to provide a group retirement plan for their employees Finding the target date fund part 2 BY Ryan Kuruliak vice president Proteus Performance Management Inc Toronto June 8 2011 As target date funds also known as lifecycle or age based funds become an increasingly popular Debunking small group retirement plan myths part 1 BY Vikram Barhat June 8 2011 Half of Canada s private workforce is employed by a small business These men and women Video What will PRPPs mean for employers BY Benefits Canada Staff June 7 2011 What will pooled retirement pension plans mean for employers Or for employees Will Canadians voluntarily BenefitsCanadaTV launches June 1 BY Staff May 31 2011 The team at BenefitsCanada com is proud to present an exciting new element to our website Finding the target date fund Part 1 BY Ryan Kuruliak vice president Proteus Performance Management Inc Toronto May 26 2011 Target date funds also known as lifecycle or

    Original URL path: http://www.smallbizadvisor.ca/group-retirement/page/35 (2016-04-26)
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  • Group Retirement | Small Biz Advisor - Part 36
    by year end BY Staff May 10 2011 The Standard Life Assurance Company of Canada has announced that president and CEO Joseph Iannicelli Social media promising for plan communications BY Neil Faba Benefits Canada May 10 2011 Social media and technology are creating new opportunities to communicate with plan members according to Pension legislation changes come into force July 1 BY Benefits Canada Staff May 10 2011 As of July 1 more amendments to the Pension Benefits Standards Act 1985 contained in Bill PRPPs Not a silver bullet BY Barbara Austin professor Osgoode Hall Law School May 3 2011 The Framework for Pooled Registered Pension Plans released by the Department of Finance in December 2010 suggests Portability auto enrollment keys to PRPP success BY Neil Faba Benefits Canada May 2 2011 The federal government s December 2010 announcement of the pooled retirement pension plan PRPP arrangement has Towers Watson pension data shows small gains BY Benefits Canada Staff May 2 2011 Pension funding levels at large companies improved modestly at the end of last year largely Provincial and federal pension reforms simplified BY Brooke Smith Benefits Canada April 29 2011 Pensions are politically difficult said Peggy McCallum a partner with

    Original URL path: http://www.smallbizadvisor.ca/group-retirement/page/36 (2016-04-26)
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  • How to help small businesses get extra capital | Small Biz Advisor
    until the loan is paid off Alternative or mainstream For small companies online lenders are increasingly part of the picture While these new peer to peer lenders are often still referred to as alternative they are becoming more mainstream establishing a reputation as being much friendlier to smaller players than big banks have sometimes been According to Statistics Canada debt financing approval rates for Canada s million or so small businesses increase with business size Alternative lenders tend to be nimble and user friendly in some cases offering loans based on efficient online applications that can result in funding 24 to 72 hours later So far most don t specialize in funding start ups but are generally more welcoming to entrepreneurs than are banks which tend to favour larger players and bigger loans Alternative or mainstream For small companies online lenders are increasingly part of the picture While these new peer to peer lenders are often still referred to as alternative they are becoming more mainstream establishing a reputation as being much friendlier to smaller players than big banks have sometimes been According to Statistics Canada debt financing approval rates for Canada s million or so small businesses increase with business size Alternative lenders tend to be nimble and user friendly in some cases offering loans based on efficient online applications that can result in funding 24 to 72 hours later So far most don t specialize in funding start ups but are generally more welcoming to entrepreneurs than are banks which tend to favour larger players and bigger loans What should you tell clients There are pros and cons to using an alternative lender The key is for owners to read the fine print so to speak and ensure they are comfortable with the terms before proceeding For example

    Original URL path: http://www.smallbizadvisor.ca/your-business/how-to-help-small-businesses-get-extra-capital-4289?Print (2016-04-26)
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  • Human rights ruling on miscarriage puts employers on notice | Small Biz Advisor
    employer fired her in 2014 without giving her specific reasons Her employer however has suggested numerous absences and a drop in work performance were factors Mou argued her employer failed to accommodate her disabilities and alleged they were a factor in her termination Read Government commits to improving compassionate care leave and parental leave benefits Mahil suggests employers faced with poor performance or absenteeism issues should look into whether a disability might be an issue In the case of a miscarriage it s a very intensely personal situation that employees may or may not share with their employers she says If there s circumstances to suggest some form of disability then employers can t turn a blind eye They need to make the proper inquires even if they don t have specific information Read Compassionate care benefits boost staff engagement According to Daniel Chodos a partner at Whitten Lublin showing sensitivity and respect goes a long way in preventing future conflicts He also suggests employers should reach out to someone who might need accommodation through a tactful letter It could include something along the lines of We feel terrible for you we want to make sure you re in a position to return to the workplace in full capacity and it might be helpful if you let us know if you require any form of accommodation If this requires us communicating with your physician we re happy to do that says Chodos Drafting a robust anti discrimination and anti harassment policy could also help to reduce liability Within the policy there ought to be a clear procedure to report any requirements for accommodation and what the process will be if there is a request says Chodos Read How to handle a workplace accommodation While taking the precautions above may seem

    Original URL path: http://www.smallbizadvisor.ca/your-business/human-rights-ruling-on-miscarriage-puts-employers-on-notice-4288?Print (2016-04-26)
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  • Research shows banning commissions is not the answer | Small Biz Advisor
    Comparability is a necessary condition for market efficiency Further countries where financial advice has been unbundled from financial products either as a result of market forces or regulatory fiat have seen the opening of a large advice gap and an increase in the total cost of the services for a large proportion of retail customers Instead of banning commissions and creating an advice gap a more effective solution to potential

    Original URL path: http://www.smallbizadvisor.ca/your-business/research-shows-banning-commissions-is-not-the-answer-4280?Print (2016-04-26)
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