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What We Do

(Also See Working with Groups Below)
You've played by the rules, so why does it feel like you're stuck on a financial treadmill? Most of us realize we should be saving more for retirement, but there's not a lot leftover after paying excessive taxes, high basic living expenses and mortgage and credit card debt.

That's why we take a different approach when working with our clients. Unlike other advisors, we look at both sides of the equation—not just what you're saving, but what you're spending. Our goal is to empower you to become a slow and steady saver over a long time horizon. And since most of us will live 20 – 30 years in retirement, it's never too late to start!

Our Approach

While most advisors focus exclusively on affluent clients, we are advocates for everyday working families who are struggling to meet competing financial goals: saving for retirement while funding children's educations and protecting their nest egg from unforeseen events.

Take a look at how we help:

Working with Groups

Group Retirement
We help companies design, implement and deliver state-of-the-art Group RRSP plans that employees will genuinely value. Whatever your business, we can assist you to provide your employees with a simple, yet effective Group RRSP solution that will help them plan for a more comfortable retirement.

Stephen Financial's approach draws from the highly-respected behavioral finance research on the U.S. retirement industry. We recognize that substantial parallels can be made between the Canadian and U.S. experience and that cutting-edge solutions developed in the U.S. have direct application to Canada. In particular, we recognize that most Canadian employers struggle with three key concerns when considering a Group RRSP:

  • how to consistently communicate to plan members in an engaging manner
  • the steps to take to become CAP compliant and protect themselves from liability
  • the optimal manner in which employers should make advice available to plan members

Whether you're considering a Group RRSP for the first time or looking to improve upon your existing plan's design, we believe you can benefit from our singular approach. Help your employees face the new realities of retirement by working with a team that specializes exclusively in retirement planning and advocacy.

Group Employee Benefits
We offer a full employee benefit offering for employees and their families including:
  • Group life insurance
  • Long term disability insurance
  • Accidental death and dismemberment coverage
  • Health and dental insurance
  • Healthcare spending accounts
Competitive market analysis is conducted to ensure employees receive cutting edge, competitively priced benefit packages from the major insurance carriers.

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