Retirement Compensation Arrangement

Reward And Retain Valued Employees

As a small business owner, you know that one of your most valuable assets is your key employees. Although this may be reflected in their compensation, RRSP contribution limits may not allow many of these individuals to accumulate tax-sheltered retirement savings that are truly relative to their incomes. With a Retirement Compensation Arrangement (RCA), you can offer these key employees an alternative and give yourself a competitive advantage in safeguarding their loyalty.

An RCA can help you grow your incentive programs to reward and retain highly valued employees. Your employees can benefit from being able to secure their financial futures and maximize their retirement savings.

Benefits For Corporations And Their Employees

RCAs can create a win-win situation. Benefits include:

Corporation Benefits

• Excellent employee retention tool
• Assets held in trust and potentially protected from corporation's creditors
• RCA can be used as collateral for loans

Employee Benefits

• Supplements retirement savings
• Not considered a taxable benefit
• No impact to RRSP contribution levels

Take Advantage Of Our Expertise

RCAs are one of the more complex strategies you can incorporate into a retirement plan. By working with your CIBC Wood Gundy Investment Advisor, you can feel confident that you are receiving professional and knowledgeable service. At CIBC Wood Gundy, we're dedicated to working with all of our clients, one to one.

Make Our Acquaintance

Your CIBC Wood Gundy Investment Advisor is your connection to retirement strategies that are designed to meet your unique needs. Use our Find An AdvisorOpens a new window in your browser. tool to locate a CIBC Wood Gundy Investment Advisor near you.