Official Common Wealth advisor — Canada's fastest-growing group retirement provider.
A retirement plan that helps you attract and retain a better team.
One of the highest-return benefits you can offer. Simple to set up. Simple to run.
Book a 10-minute callOfficial Common Wealth advisor
Your next great hire is comparing offers. A retirement plan tips the scale.
The talent market is tight, and a workplace retirement plan is rated the #1 benefit for attracting and keeping good people. Yet most Canadian businesses still don't offer one — which means the ones that do stand out, hire better, and lose fewer of the people they've worked hard to develop.
0%
of Canadian SMBs offer a retirement plan — offering one sets you apart.
0%
lower turnover with a workplace plan. Replacing an employee costs 20–100% of their salary.
0%
of employees with a plan feel confident about their future — vs. 34% without.
Under 0%
of working income is replaced by CPP + OAS. Your team is counting on more.
You don't have to figure this out alone.
Group retirement has a reputation for paperwork and headaches. With RiskX, it isn't — we handle the heavy lifting, you get the credit.
Group retirement, the modern way.
The old way
- ✕Stacks of paperwork and slow setup
- ✕Confusing reports few people read
- ✕Phone queues just to enroll an employee
- ✕Your team left to figure out their own plan
With RiskX + Common Wealth
- ✓Digital onboarding — minutes per payroll
- ✓A mobile app your employees actually use
- ✓Benchmarked plan design, built around your team
- ✓Ongoing support so people land in the right plan
A plan people actually use.
40–50%
enroll on mobile
~15×
a year they check in
~75%
choose to contribute
Gordon & Jarod — RiskX
We believe every person deserves a retirement plan someone actually walks them through — so we bring a real planner to every plan.
A plan is good. A plan with a real person behind it is better.
Setting up the plan is just the start. Through our planning partner, your team gets one-on-one financial education — real conversations that build literacy and get people genuinely ready for retirement. It's how a benefit on paper becomes one people feel.
"Most employees have never had anyone walk them through their retirement. Making sure yours do — that's the part we love."
What is turnover costing you?
A workplace plan helps you keep people. Even a small drop in turnover can cover its own cost.
Your turnover is costing you about
$243,750 / year
Bring turnover from 15% to 10% and you'd save
$81,250 / year
by keeping more of the people you'd otherwise lose — often enough to offset much of the plan's cost.
Illustrative only. Based on your inputs and Canadian averages; replacement cost commonly runs 20–100%+ of salary (higher for senior roles).
Three steps to a plan your team will value.
AI-assisted benchmarking, so options come back fast.
Book a 10-minute call.
Tell us about your team; we'll tell you honestly if a plan fits.
See it live.
2–3 benchmarked options and a real walk-through of the platform.
We handle the rest.
Setup, enrollment, education, and ongoing reviews.
Whatever your role, the plan works for you.
For owners & founders
Attract and keep the people who grow your business — and a tax-smart way to invest in your team, and in yourself. The kind of company people are proud to stay at.
For finance
Predictable, controllable cost. Contributions are deductible and aren't subject to CPP/EI payroll costs — with confidence you meet 2024 CAPSA expectations.
For HR & people leaders
A benefit your team actually uses, only minutes per payroll to run, and a recruiting story that sells itself — "your plan gets better the longer you're here."
Already have a plan? It may be quietly costing you.
Most plans haven't been reviewed in years — and the bar moved in 2024.
Signs it's time for a review
- Fees never benchmarked in 3+ years
- Participation under 50%
- No mobile access or auto-enrollment
- Your advisor has gone quiet
We'll benchmark yours free and show you exactly where it stands — your design and matching stay intact.
Book a 10-minute reviewYour plan vs. RiskX + Common Wealth
Illustrative example of what working with RiskX as your official Common Wealth advisor typically surfaces. A real review uses your plan's actual numbers.
Picture your business a year from now.
Lower turnover. A team confident about their future. New hires choosing you over the company down the road.
Better people. Kept longer. A stronger business. That's what a great plan does.
Book your 10-minute callQuick answers to what owners ask us most.
Is it expensive?
You can start your match as low as 1%, and cutting turnover by just 5–10% can offset the cost of the plan. Contributions are also tax-deductible to your business.
Is it a lot of admin?
It's minutes per payroll. RiskX and Common Wealth handle setup, enrolment, and ongoing administration — including the heavy lifting on any transfer.
Will my employees actually use it?
About 75% of employees contribute when a plan is offered, and most enrol right from their phone. Utilization is high because the experience is simple.
We already have a plan.
Then let us benchmark it — free. About a third of plans that get reviewed end up switching once the owner sees the fees and design they've been carrying.
Let's design a plan that fits your business.
A no-obligation 10-minute call is all it takes to start.
Book a 10-minute callRiskX · 32 years in employee benefits · Official Common Wealth advisor
Also see our pooled health & dental benefits, or head back to the RiskX homepage.