Executive Supplemental Retirement

Everyone understands the value of contributing and maintaining a Registered Retirement Savings Plan (RRSP). For successful business owners and executives the RRSP limits are more than just a limit on what you can contribute, they are a limit on what income you can replace when you are retired. RRSP’s may not be the best solution for higher income executives and business owners.

 For many of our clients we have established SERP’s- Supplemental Executive Retirement Programs. These programs offer more flexibility, higher contribution limits and in most cases better creditor protection. 

 SERP’s can be set up using many different vehicles, some using registered funds and others using after tax dollars. 

We work with our clients and their legal and accounting advisors to determine and review what the issues are. Based on the analysis of that review we develop solutions and implement strategies that will achieve the desired outcome.