Convert Corporate Cash Flow into a Structured Supplemental Pension
RCA-based supplemental pension plans for incorporated business owners and key employees.
- Funded with pre-tax corporate dollars
- Recognized under the Income Tax Act
- Structured to deliver long-term supplemental pension income
See if this fits
Share your contact details and we’ll follow up to discuss whether an RCA-based solution may be appropriate.
CHALLENGES FOR INCORPORATED BUSINESS OWNERS
Many incorporated business owners reach a point where success creates new planning challenges.
Corporate Cash Builds
We have too much cash sitting in the corporation.
Registered Plans Limits
RRSPs and IPPs won’t create enough retirement income.
Corporate Tax Drag Matters
Passive income is starting to affect our tax efficiency.
Ownership Structure
The ownership structure makes planning harder.
Exit and Succession
We need a retirement and succession plan that fits together.
A Supplemental Pension Layer
The goal is not to replace an existing retirement plan, but to add a structured layer of retirement income funded from corporate cash flow.
A SUPPLEMENTAL PENSION PLANNING APPROACH
RCF helps business owners overcome retirement planning challenges with customized, tax-efficient plans built around your goals.
From Challenges…
Business owners face complex taxes, trapped capital, plan limits and succession pressure.
→
To Planning Needs
You need a flexible, tax-aware plan that builds retirement security and supports your goals.
→
Supplemental Pension
We design Retirement Compensation Arrangement (RCA) based plans to deliver tax efficiency, indexed benefits, and long term security.
Individual Business Owner Plans
RRSPWrap
Supercharge retirement savings beyond RRSP limits with a tax-smart, creditor-protected RRSPWrap plan.
Individual RCA
Create a standalone RCA-based supplemental pension plan funded through your corporation.
Group / Multi-Employee Plans
Family Group
Grow and protect your family’s wealth with a tax-smart Family Group RCA designed for business owners and their working family members.
Corporate Group
Reward and retain your top people with a corporate group RCA that delivers tax-smart retirement benefits for multiple owners and key employees.
Target Benefit
Reward long‑serving, high‑value employees with a targeted retirement benefit they’ll truly appreciate.
SERPPlus
Secure, tax-efficient SERP funding that protects your executives’ pensions while eliminating costly letters of credit and pay‑as‑you‑go uncertainty.
WHO IT FITS
BUSINESS OWNER
- Incorporated business owners
- Significant owner compensation
- Strong corporate cash flow
FAMILY/SHAREHOLDER GROUPS
- Family members active in the business
- Multiple shareholders
- Business partners
KEY EMPLOYEES
- Senior employees critical to the business
- Long-term retention candidates
- Long-serving employees to reward
NOT A FIT
- Un-incorporated business owners
- Short-term planning needs
- Limited corporate cash flow
START HERE
Let’s start with a simple conversation.
A simple first step to explore whether one of our supplemental pension strategies may be a fit.
Prefer to speak with us?
📞1-866-330-2990
📧 quotes@rcf.ca
IN THE MEDIA
Explore published perspectives on RCAs, SERPs, and supplemental retirement planning.
Investment Executive
The case for retirement compensation arrangements
Read the article discussing retirement compensation arrangements and their role in advanced planning.
Benefits Canada
How SERPs can support financial wellness
Explore this feature on how supplemental retirement plans can strengthen financial wellness and retirement readiness.