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.

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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.

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Solutions for Your Business

Pick one or combine for a complete strategy. Everything is tailored.

Explore Business Tools

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

Request Proposal Talk to an Advisor

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

Get HSA Options More Services

Group Retirement & Savings

RRSP/TFSA/DC with payroll sync.

Low FeesEducationGovernance

Plan design & employer match options
Employee onboarding & workshops
Oversight & policy guidance

Explore GRSP Setup Retirement Tools

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

Get Coverage Quote Discuss Structure

Corporate Investing & Cash

Deploy surplus cash with discipline.

Reserve buckets for payroll, tax, growth
Short-term vs longer mandates
Integrates with accountant’s advice

Discuss Cash Strategy Quick Calculators

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

Clinic Benefits Quote Book a Call

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

Startup Benefits Quote See Services

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

Trades Benefits Quote Talk Through Options

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.

Request Proposal

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.

Request Proposal

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.

Request Proposal

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 Clinic
Hamilton, ON

“Our remote-first team finally has a plan that works across provinces—setup was smooth.”
COO, SaaS Startup
Toronto, ON

“They helped us design buy-sell funding that made sense with our valuation and cash flow.”
Partner, Electrical Contractor
Burlington, 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.

Request Proposal Book a 20-min Call

Short on time? Prefer a quick conversation? Start with a 15-minute clarity call.

No pressure • Quick conversation • Book instantly

CFP® & EPC guidance • Independent advice • No obligation

GROUP BENEFITS INSIGHTS FOR CANADIAN BUSINESSES

Smarter Group Benefits Strategies for Business Owners

Receive practical updates on renewals, cost-control strategies, plan design ideas and employee benefits trends to help you make informed decisions for your business.

Why subscribe to Group Benefits updates?

This is designed for business owners, office managers, HR teams and decision-makers who want a clearer view of their employee benefits options, renewal strategy and long-term plan sustainability.

Renewal Strategy

Insights to help you prepare ahead of renewal and avoid unnecessary surprises.

Cost Control

Practical ways to manage plan costs without automatically reducing value.

Plan Design Ideas

Updates on structure, coverage balance and design considerations for growing teams.

Market Perspective

Helpful commentary on employee benefits trends, insurer options and planning considerations.

Trusted guidance for employers

Independent advice with access to multiple group benefits markets
Practical guidance for small and mid-sized businesses
Focused on balancing cost, coverage and long-term sustainability

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You can subscribe for updates now, or choose one of the options below if you are already reviewing your current group benefits plan.

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Ideal for employers reviewing renewals, cost trends, coverage strategy and plan sustainability.

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After subscribing, you’ll receive immediate and ongoing Group Benefits insights designed to help you plan more confidently and review your options with greater clarity.

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Receive relevant updates on renewal strategy, cost awareness and employee benefits planning.

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When you are ready, you can book a strategy call or request a proposal for your current plan.