For Canadian SMBs & Professional Firms
Business Services that Help You Attract Talent, Protect Cash Flow, and Grow
Flexible group benefits, executive insurance, and corporate planning—configured for your size, budget, and goals.
Hire & retain with modern benefits employees actually use.
Control costs with plan design, HSAs, and renewal strategy.
Protect owners with Key Person & Buy-Sell funding.
Solutions for Your Business
Pick one or combine for a complete strategy. Everything is tailored.
Group Benefits Plans
Health, dental, life, disability, EAP & more.
Plan DesignCost ContainmentBenchmarking
- Flexible tiers & cost-share options
- Renewal advocacy & insurer negotiations
- Digital onboarding & employee education
Health Spending Accounts (HSAs)
Tax-efficient and budget-friendly.
Predictable CostsFlexibleTax Efficient
- Set annual credits; pay only for claims
- Great as standalone or rider
- Broad eligible expenses
Group Retirement & Savings
RRSP/TFSA/DC with payroll sync.
Low FeesEducationGovernance
- Plan design & employer match options
- Employee onboarding & workshops
- Oversight & policy guidance
Key Person & Buy-Sell Funding
Continuity for owners and teams.
- Life/CI/DI structured to shareholder agreement
- Cash-flow modeling & funding analysis
- Coordination with legal & accounting
Corporate Investing & Cash
Deploy surplus cash with discipline.
- Reserve buckets for payroll, tax, growth
- Short-term vs longer mandates
- Integrates with accountant’s advice
Who We Work With
Purpose-built solutions for your industry realities.
Dental & Medical Clinics
Attract clinicians & support staff with the right mix.
- Health/dental focus with ortho/major coverage options
- LTD top-ups for doctors/dentists; locum considerations
- HSA add-ons; telemedicine & wellness perks
Tech Startups & SaaS
Compete on talent without burning runway.
- HSA-first or hybrid to control spend
- Remote teams across provinces—portable coverage
- RRSP/TFSA with financial education sessions
Trades & Field Services
Coverage that fits physical work & variable hours.
- Accident/DI emphasis, drug formulary control
- Owner key-person & buy-sell protection
- Simple admin, easy claims from the field
Good / Better / Best
Three practical starting points—customized to your headcount & budget.
GoodEssentials
Core Health & Dental
Basic Life & AD&D
Entry-level Drug Formulary
Optional HSA Add-on
Great for teams getting started with benefits.
BetterMost Popular
Enhanced Health, Dental & Vision
Employee & Family Assistance (EAP)
Balanced Drug Formulary + HSA
Short/Long-Term Disability Options
Best value for retention; scalable as you grow.
BestComprehensive
Premium Health/Dental + Wellness Credits
LTD Top-ups, Critical Illness & Travel
Executive Options & Private Plans
GRSP/TFSA Integration & Education
For leadership teams and competitive packages.
All plans are configurable by co-pay, maximums, deductibles, and eligibility. Final design is based on census, budget, and goals.
How It Works
Simple, transparent, and aligned to your goals.
1 · Discovery
15–30 min fit call
We map goals, budget, headcount, and must-haves. You get a clear timeline.
2 · Design & Compare
Plan options & trade-offs
Benchmarking and side-by-side quotes with cost-control strategies.
3 · Launch & Support
Onboard with confidence
Employee education, renewal advocacy, and ongoing plan tuning.
Expected Outcomes
What clients typically experience after partnering with us.
25%
Improved retention*
15%
Avg. plan savings at renewal*
100%
Advisor support, year-round
30+
Carrier & provider options
*Illustrative; actual outcomes vary by company size, demographics, and claims experience.
FAQs
Practical details business owners ask about most.
How long does a new group benefits setup take?
Typically 2–4 weeks from discovery to employee onboarding, depending on insurer timelines and census completeness.
Can we control renewals and stop surprise increases?
Yes—through plan design levers (deductibles, maximums), HSAs, preferred formularies, and proper claims analysis before renewal.
Do you work with our accountant and lawyer?
Absolutely. For buy-sell, key person, or corporate investing, we coordinate with your professional team to align tax and legal structures.
What’s the minimum company size?
We help from startups (2–3 employees) to 200+. Solutions scale by headcount and budget.
Ready to build a benefits & protection strategy that fits?
Get a tailored proposal or chat through options with an advisor.
For Canadian SMBs & Professional Firms
Business Services that Help You Attract Talent, Protect Cash Flow, and Grow
Flexible group benefits, executive insurance, and corporate planning—configured for your size, budget, and goals.
Hire & retain with modern benefits employees actually use.
Control costs with plan design, HSAs, and renewal strategy.
Protect owners with Key Person & Buy-Sell funding.
Solutions for Your Business
Pick one or combine for a complete strategy. Everything is tailored.
Group Benefits Plans
Health, dental, life, disability, EAP & more.
Plan DesignCost ContainmentBenchmarking
- Flexible tiers & cost-share options
- Renewal advocacy & insurer negotiations
- Digital onboarding & employee education
Health Spending Accounts (HSAs)
Tax-efficient and budget-friendly.
Predictable CostsFlexibleTax Efficient
- Set annual credits; pay only for claims
- Great as standalone or rider
- Broad eligible expenses
Group Retirement & Savings
RRSP/TFSA/DC with payroll sync.
Low FeesEducationGovernance
- Plan design & employer match options
- Employee onboarding & workshops
- Oversight & policy guidance
Key Person & Buy-Sell Funding
Continuity for owners and teams.
- Life/CI/DI structured to shareholder agreement
- Cash-flow modeling & funding analysis
- Coordination with legal & accounting
Corporate Investing & Cash
Deploy surplus cash with discipline.
- Reserve buckets for payroll, tax, growth
- Short-term vs longer mandates
- Integrates with accountant’s advice
Who We Work With
Purpose-built solutions for your industry realities.
Dental & Medical Clinics
Attract clinicians & support staff with the right mix.
- Health/dental focus with ortho/major options
- LTD top-ups for doctors/dentists; locum considerations
- HSA add-ons; telemedicine & wellness perks
Tech Startups & SaaS
Compete on talent without burning runway.
- HSA-first or hybrid to control spend
- Remote teams across provinces—portable coverage
- RRSP/TFSA with financial education sessions
Trades & Field Services
Coverage that fits physical work & variable hours.
- Accident/DI emphasis, drug formulary control
- Owner key-person & buy-sell protection
- Simple admin, easy claims from the field
Good / Better / Best
Three practical starting points—customized to your headcount & budget.
GoodEssentials
Core Health & Dental
Basic Life & AD&D
Entry-level Drug Formulary
Optional HSA Add-on
Great for teams getting started with benefits.
BetterMost Popular
Enhanced Health, Dental & Vision
Employee & Family Assistance (EAP)
Balanced Drug Formulary + HSA
Short/Long-Term Disability Options
Best value for retention; scalable as you grow.
BestComprehensive
Premium Health/Dental + Wellness Credits
LTD Top-ups, Critical Illness & Travel
Executive Options & Private Plans
GRSP/TFSA Integration & Education
For leadership teams and competitive packages.
All plans are configurable by co-pay, maximums, deductibles, and eligibility. Final design is based on census, budget, and goals.
How It Works
Simple, transparent, and aligned to your goals.
1 · Discovery
15–30 min fit call
We map goals, budget, headcount, and must-haves. You get a clear timeline.
2 · Design & Compare
Plan options & trade-offs
Benchmarking and side-by-side quotes with cost-control strategies.
3 · Launch & Support
Onboard with confidence
Employee education, renewal advocacy, and ongoing plan tuning.
Expected Outcomes
What clients typically experience after partnering with us.
25%
Improved retention*
15%
Avg. plan savings at renewal*
100%
Advisor support, year-round
30+
Carrier & provider options
*Illustrative; actual outcomes vary by company size, demographics, and claims experience.
What Clients Say
Straight from owners and HR leads we support.
“We switched to GMFSI and cut renewal increases in half without watering down coverage.”
Owner, Dental ClinicHamilton, ON
“Our remote-first team finally has a plan that works across provinces—setup was smooth.”
COO, SaaS StartupToronto, ON
“They helped us design buy-sell funding that made sense with our valuation and cash flow.”
Partner, Electrical ContractorBurlington, ON
FAQs
Practical details business owners ask about most.
How long does a new group benefits setup take?
Typically 2–4 weeks from discovery to employee onboarding, depending on insurer timelines and census completeness.
Can we control renewals and stop surprise increases?
Yes—through plan design levers (deductibles, maximums), HSAs, preferred formularies, and proper claims analysis before renewal.
Do you work with our accountant and lawyer?
Absolutely. For buy-sell, key person, or corporate investing, we coordinate with your professional team to align tax and legal structures.
What’s the minimum company size?
We help from startups (2–3 employees) to 200+. Solutions scale by headcount and budget.
Ready to build a benefits & protection strategy that fits?
Get a tailored proposal or chat through options with an advisor.
Partners & Carriers We Work With
Independent access to multiple leading insurers across Canada.
Logos are trademarks of their respective owners and are used for identification only.
For Canadian SMBs & Professional Firms
Business Services that Help You Attract Talent, Protect Cash Flow, and Grow
Flexible group benefits, executive insurance, and corporate planning—configured for your size, budget, and goals.
Hire & retain with modern benefits employees actually use.
Control costs with plan design, HSAs, and renewal strategy.
Protect owners with Key Person & Buy-Sell funding.
Solutions for Your Business
Pick one or combine for a complete strategy. Everything is tailored.
Group Benefits Plans
Health, dental, life, disability, EAP & more.
Plan DesignCost ContainmentBenchmarking
- Flexible tiers & cost-share options
- Renewal advocacy & insurer negotiations
- Digital onboarding & employee education
Health Spending Accounts (HSAs)
Tax-efficient and budget-friendly.
Predictable CostsFlexibleTax Efficient
- Set annual credits; pay only for claims
- Great as standalone or rider
- Broad eligible expenses
Group Retirement & Savings
RRSP/TFSA/DC with payroll sync.
Low FeesEducationGovernance
- Plan design & employer match options
- Employee onboarding & workshops
- Oversight & policy guidance
Key Person & Buy-Sell Funding
Continuity for owners and teams.
- Life/CI/DI structured to shareholder agreement
- Cash-flow modeling & funding analysis
- Coordination with legal & accounting
Corporate Investing & Cash
Deploy surplus cash with discipline.
- Reserve buckets for payroll, tax, growth
- Short-term vs longer mandates
- Integrates with accountant’s advice
Who We Work With
Purpose-built solutions for your industry realities.
Dental & Medical Clinics
Attract clinicians & support staff with the right mix.
- Health/dental focus with ortho/major options
- LTD top-ups for doctors/dentists; locum considerations
- HSA add-ons; telemedicine & wellness perks
Tech Startups & SaaS
Compete on talent without burning runway.
- HSA-first or hybrid to control spend
- Remote teams across provinces—portable coverage
- RRSP/TFSA with financial education sessions
Trades & Field Services
Coverage that fits physical work & variable hours.
- Accident/DI emphasis, drug formulary control
- Owner key-person & buy-sell protection
- Simple admin, easy claims from the field
Good / Better / Best
Three practical starting points—customized to your headcount & budget.
GoodEssentials
Core Health & Dental
Basic Life & AD&D
Entry-level Drug Formulary
Optional HSA Add-on
Great for teams getting started with benefits.
BetterMost Popular
Enhanced Health, Dental & Vision
Employee & Family Assistance (EAP)
Balanced Drug Formulary + HSA
Short/Long-Term Disability Options
Best value for retention; scalable as you grow.
BestComprehensive
Premium Health/Dental + Wellness Credits
LTD Top-ups, Critical Illness & Travel
Executive Options & Private Plans
GRSP/TFSA Integration & Education
For leadership teams and competitive packages.
All plans are configurable by co-pay, maximums, deductibles, and eligibility. Final design is based on census, budget, and goals.
How It Works
Simple, transparent, and aligned to your goals.
1 · Discovery
15–30 min fit call
We map goals, budget, headcount, and must-haves. You get a clear timeline.
2 · Design & Compare
Plan options & trade-offs
Benchmarking and side-by-side quotes with cost-control strategies.
3 · Launch & Support
Onboard with confidence
Employee education, renewal advocacy, and ongoing plan tuning.
Expected Outcomes
What clients typically experience after partnering with us.
25%
Improved retention*
15%
Avg. plan savings at renewal*
100%
Advisor support, year-round
30+
Carrier & provider options
*Illustrative; actual outcomes vary by company size, demographics, and claims experience.
What Clients Say
Straight from owners and HR leads we support.
“We switched to GMFSI and cut renewal increases in half without watering down coverage.”
Owner, Dental ClinicHamilton, ON
“Our remote-first team finally has a plan that works across provinces—setup was smooth.”
COO, SaaS StartupToronto, ON
“They helped us design buy-sell funding that made sense with our valuation and cash flow.”
Partner, Electrical ContractorBurlington, ON
FAQs
Practical details business owners ask about most.
How long does a new group benefits setup take?
Typically 2–4 weeks from discovery to employee onboarding, depending on insurer timelines and census completeness.
Can we control renewals and stop surprise increases?
Yes—through plan design levers (deductibles, maximums), HSAs, preferred formularies, and proper claims analysis before renewal.
Do you work with our accountant and lawyer?
Absolutely. For buy-sell, key person, or corporate investing, we coordinate with your professional team to align tax and legal structures.
What’s the minimum company size?
We help from startups (2–3 employees) to 200+. Solutions scale by headcount and budget.
Ready to build a benefits & protection strategy that fits?
Get a tailored proposal or chat through options with an advisor.