For employers with a group RRSP or DPSP
We help your people understand the retirement plan you already offer, and we help you look after it. That means a booklet made for your company, help with employee questions, a yearly meeting about your plan and our pay disclosed in writing.
Member education that starts with why the plan exists, and a booklet made for your company.
We support education and onboarding, so HR isn't explaining the plan alone.
Through one of our group retirement providers, employees can book a virtual meeting with a financial advisor whenever suits them.
Each year we meet to review where things stand and your goals. We check in with HR a few times a year.
Each year your company gets a written disclosure of how RiskX is paid.
Tell us what's working, what employees ask about and where HR needs help. You don't need all your documents first.
We look at the fees, the support and what employees receive, and explain what we see in plain language. This review is free.
Together we agree the support that fits your company and how we work with your provider. Keeping what works is always an option.
We build your booklet and help with education. We check in with HR a few times a year and meet with you every year.
A retirement plan only does its job when people understand it. We start with the why: what the plan is for, what the employer match means for them and why the years they have matter more than the amount.
The booklet is a start. We also help your team explain the plan and send questions to the right place.
Through one of our group retirement providers, employees can meet a financial advisor at no cost to them. Meetings are virtual, so each person books a time that works for them. We confirm what's available with your plan.
Each year we meet with your company to review where things stand, your goals and your planning. That includes:
Between meetings, we check in with your HR team a few times a year.
Each year your company receives a written disclosure of how RiskX is paid and how we earn it. That can include ongoing pay and pay related to a plan change.
You see our pay next to the service and the plan's costs, so you can judge it all together.
RiskX has been family-owned and Canadian since 1994. Gordon and Jarod Smith are the family behind it, and the people you'll meet when you first talk to us.
Not necessarily. An advisor or agent-of-record appointment may let RiskX work with your existing provider, if that provider accepts the appointment and we agree the service scope. An appointment doesn't automatically change your fees; any change to costs, accounts or services is confirmed first.
Yes. We make the booklet for your company and update it when you ask. It explains your plan, the employer match, how to join and where employees can find help. Health and dental information can be included where it makes sense, so employees find their benefits in one place.
Your company does. Each year we explain in writing how RiskX is paid, which may include ongoing pay and pay related to a plan change. It's separate from the yearly meeting about your plan, and it isn't a fee statement for each employee.
If a provider change is worth considering, see what happens during a switch.
Tell us what's working, what employees ask about and where your team needs help.
Meet with RiskXFamily-owned and Canadian. A partner in helping manage the plan, and in employee education.
Author: Jarod Smith, CEO, RiskX Insurance Brokers Inc. Technical review contact: Gordon Smith, RiskX Insurance Brokers Inc.
RiskX is a family-owned Canadian brokerage, founded in 1994, serving group retirement employers across Canada outside Quebec.
CAPSA Guideline No. 3 (2024), sections 1.3 and 6.1–6.5, informs the oversight discussion. It is guidance and does not replace applicable law. Financial advisor meetings are a provider service; availability depends on the provider and plan. Service descriptions are RiskX's own; confirm the scope and provider arrangements for your plan. General information, not individualized advice.