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Helping you create financial security

As an independent consulting firm with a portfolio of financial solutions tailored to the needs of business owners and incorporated professionals, we’ll help you plan for a financially secure retirement.

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Individual Pension Plan (IPP)

An Individual Pension Plan (IPP) is a defined benefit pension plan that allows you to increase your tax deferred retirement savings and establish long-term financial security.

  • Increase your retirement assets
  • Make large tax deductible contributions
  • Go beyond the traditional RRSP
  • 100% creditor-proof

Get an IPP Quote Today »

Retirement Compensation Arrangement (RCA)

Ideal for high-income earners ($150,000+) such as business owners, athletes, executives, and incorporated professionals who wish to sustain their standard of living into retirement, a Retirement Compensation Arrangement (RCA) represents the highest level of retirement program available in Canada.

  • Lowers participant’s tax rate
  • Flexible
  • Creditor-proof
  • Taxed only at time of withdrawal

Get an RCA Quote Today»

Defined Benefit (DB) Plan Solutions

Many corporations provide their employees’ retirement benefits through a defined benefit pension plan. GBL can provide plan sponsors with a wide range of the necessary actuarial services with respect to these DB pension plans, including:

  • Funding and Solvency actuarial valuations
  • Accounting valuations for DB pension plans and other post-retirement benefit programs
  • DB pension plan design including integration with DC or supplemental/executive plans
  • Administration of DB pension and supplemental pension plans
  • Custom solutions to suit your organization’s unique concerns

Ask Us About These Services »

Health Benefit Plan (HBP)

A Health Benefit Plan (HBP) offers incorporated professionals and business owners a reliable and economical way to provide expanded medical and dental coverage for themselves, their families, and certain employees.

  • Employees enjoy a tax-free benefit
  • Turn out-of-pocket medical costs into tax-deductible business expenses
  • Self administered – so no administration costs
  • Flexible

Health Spending Account (HSA)

Our Health Spending Account (HSA) offers business owners and their employees a tax effective tool to provide expanded medical and dental coverage at a lower cost than traditional HSA platforms.

  • Third party administration – no hassle of in house administration
  • All claims done electronically – easy to use
  • Employees enjoy a tax-free benefit
  • Turn out-of-pocket medical costs into tax-deductible business expenses

Fair Market Valuation (FMV) of Life Insurance

The Fair Market Valuation (FMV) of a life insurance policy can be used for the purposes of valuing policies transferred from corporately owned to personal, for valuing a corporation’s shares, for divorce calculations for marital property, and for charitable giving.

GBL is a recognized leader in FMVs and can help determine the true value of your insurance policy.

Find out what your policy is worth today!

Critical Illness (CI) Valuation

The valuation of a Critical Illness (CI) policy provides the market value of the policy at a specified date.  CI valuations are done for the purposes of valuing policies transferred from corporately owned to personal, for valuing a corporation’s shares, or for divorce calculations for marital property.

Cross Border Insurance Testing

If you or your client owns a foreign insurance product, the taxation of this policy may fall under different taxation and rules than the policy was designed to follow.  At GBL, we are able to analyze and test the policy under the applicable taxation rules to ensure proper tax planning and reporting.

Ensure you are protected against unintended tax consequences – contact us to learn more.

Actuarial Evidence

We provide expert witness testimony and consulting services to support clients and legal professionals throughout litigation processes that require actuarial expertise.

Actuarial Consulting

The GBL team of actuaries can assist with a variety of valuations, consultations or advice with respect to present value or valuations surrounding uncertainty.  Areas of expertise include pensions, health benefits and insurance.

Group Retirement Solutions

We at GBL can ensure you have a competitive group retirement savings plan for your employees.  As actuaries in the retirement business for over 25 years, we can help you setup a pension plan that is successful, efficient and cost-effective regardless of which type of retirement plan you choose to setup.  If you are not sure which one is right for you, not to worry, we can help with that too!

Group Health and Benefit Solutions

We help organizations evaluate, understand, design and execute employee health and benefit strategies ensuring they are in-line with the company’s target costs and organizational structures.

My overall experience dealing with GBL has been "exceptional." I have and will continue to refer you to anyone in need of Actuarial Services.

Yves Bergeron, FSA, FCIA
Sorrell Financial

GBL for
Financial Advisors

We help financial advisors grow their business.

Our financial solutions add value to your client relationships and can play an instrumental role in helping you grow your book of business.

I'm an Advisor

GBL for
Business Owners

We help business owners build financial security.

With a portfolio of financial solutions tailored to the needs of business owners and incorporated professionals, we can help you plan for a more financially secure retirement.

I'm a Business Owner
  • The Provincial Landscape of IPPs – As of November 2024

    IPP

    In years past, many business owners and incorporated professionals have been advised to shy away from Individual Pension Plans due to legislative requirements that were deemed overly burdensome and restrictive with regards to funding. Over the years, the legislative landscape has improved significantly, making Individual Pension Plans a more flexible and adoptable strategy for retirement […]

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  • Fall Season is IPP Season

    News, IPP

    October 2024 As we get near the end of October, we see the fall colours on the trees. In many places, leaves are falling, and in some the snow has started to fall. It is also the season when many business owners and incorporated professionals are sitting down with their tax professionals to finalize their […]

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Meet our
Team of Experts

We get what it takes to build a business and we know how to secure your future. Since we began, GBL has helped corporations and incorporated professionals across Canada establish more than 2,000 Individual Pension Plans (IPP), more than 500 Retirement Compensation Arrangements (RCAs), and we’ve led the way in Fair Market Valuations (FMV).

Meet our team

Are you a financial advisor looking to add value to your client relationships?

A business owner or incorporated professional seeking to secure your financial future and minimize your tax burden?

Contact us today to learn more about our portfolio of financial solutions tailored to the needs of business owners.

Start planning today