Group Retirement Plans in Halifax & Nova Scotia
Help employees save consistently—with simple payroll deductions, optional employer matching, and a plan structure that fits your budget and workforce.
Based in Halifax • Serving HRM (Halifax/Bedford/Dartmouth) + Atlantic Canada (NS | NB | PEI)
What we set up (and when each one fits)
Most small and mid-sized employers choose one of these structures to start, then refine contributions and communications as the team grows.
Group RRSP (most common to start)
A straightforward payroll-deduction plan that can include optional employer contributions. Simple to launch and easy for employees to understand.
Group TFSA (great “flex” add-on)
Flexible employee savings that pairs well with a Group RRSP. Useful for employees who value accessibility and shorter-term goals.
DPSP (employer-funded profit sharing)
An employer-funded structure that can support retention goals and reward performance. Often used alongside a Group RRSP strategy.
PRPP (pooled retirement option)
A pooled plan option designed to be portable and more standardized. Can be a fit when you want a simpler, pooled framework.
If you already have something in place, we can review the current structure, participation, and employee experience and recommend improvements.
What employers usually want (and how we build it)
1) A plan employees actually use
We keep the rollout simple: payroll deductions, clear contribution options, and onboarding that employees can follow without a binder of paperwork.
2) A retention tool that doesn’t blow up the budget
Employer contributions can be structured in a way that fits your hiring goals and cash flow:
- % matching up to a cap (e.g., match up to X%)
- Flat monthly amounts
- Tiering by tenure or class (where appropriate)
3) Less admin work for your team
We help set the plan up so it runs as a clean operating rhythm:
- Onboarding package + employee comms
- Payroll file process
- Annual check-in (participation, engagement, plan fit)
What we need to quote / implement (fast)
To price and implement, we typically need:
- Total headcount + eligibility/class definitions (if any)
- Payroll provider + pay frequency
- Employer contribution approach (match / flat / none)
- Target start date
- If replacing an existing plan: current provider + any plan details you have handy
Not sure what you have? Send what’s available — we’ll tell you what matters and what doesn’t.
FAQ
Do we need to offer matching to set this up?
No. Many employers start with employee-only payroll deductions and add employer contributions later as budgets and hiring needs evolve.
Is a group RRSP one plan, or individual accounts?
Employees typically have individual accounts funded through payroll deductions within a group arrangement.
Can we include remote employees outside HRM / Nova Scotia?
Often yes — it depends on provider rules and employee locations. We’ll confirm this early so there are no surprises.
How long does setup take?
Most implementations are completed in weeks once we confirm the structure and payroll details.
Ready to set up a plan employees will actually use?
Start with a quick call. We’ll recommend the cleanest structure (Group RRSP / TFSA / DPSP / PRPP) and map a simple rollout for your team.