{"id":7511,"date":"2023-09-14T10:39:12","date_gmt":"2023-09-14T14:39:12","guid":{"rendered":"https:\/\/www.valeo.plus\/group-retirement-savings-plan\/"},"modified":"2023-09-27T10:07:18","modified_gmt":"2023-09-27T14:07:18","slug":"group-retirement-savings-plan","status":"publish","type":"page","link":"https:\/\/www.valeo.plus\/en\/group-retirement-savings-plan\/","title":{"rendered":"Group retirement savings plan"},"content":{"rendered":"

[et_pb_section fb_built=”1″ disabled_on=”off|off|off” admin_label=”LE PROGRAMME DE… With BG” _builder_version=”4.12.0″ use_background_color_gradient=”on” background_color_gradient_start=”#dee3df” background_color_gradient_end=”rgba(175,176,178,0)” background_color_gradient_direction=”90deg” background_color_gradient_start_position=”52%” background_color_gradient_end_position=”75%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/09\/header-banner-rentes-1.png” background_position=”center_right” custom_padding=”4%||8%||false|false” background_color_phone=”#dee3df” background_last_edited=”on|phone” background_enable_color_phone=”on” use_background_color_gradient_phone=”off” background_enable_image_phone=”off” saved_tabs=”all” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ disabled_on=”off|off|off” _builder_version=”4.4.3″ background_color_gradient_direction=”90deg” background_last_edited=”off|desktop” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.4.3″ background_color_gradient_direction=”90deg” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/09\/header-banner-rentes-mobile.png” title_text=”header banner rentes mobile” disabled_on=”off|on|on” _builder_version=”4.12.0″ global_colors_info=”{}”][\/et_pb_image][et_pb_divider divider_weight=”2px” _builder_version=”4.4.3″ background_enable_color=”off” custom_margin=”15px||0px||false|false” global_colors_info=”{}”][\/et_pb_divider][et_pb_text disabled_on=”off|off|off” _builder_version=”4.12.0″ header_font=”Montserrat|700||on|||||” header_text_color=”#0d4726″ header_font_size=”41px” header_line_height=”1.2em” header_4_font_size=”20px” header_4_line_height=”1.3em” header_font_size_tablet=”32px” header_font_size_phone=”22px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

Group retirement savings plan<\/h1>\n

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Help secure your employees’ financial future with a group retirement savings plan tailored to your needs and those of your teams.<\/span><\/h4>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.4.3″ global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” admin_label=”All Courses” _builder_version=”3.22″ custom_padding=”100px|0px|1px|0px||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.12.0″ text_font=”Montserrat|300|||||||” header_font=”Montserrat||||||||” header_text_color=”#0d4726″ header_2_font=”|700|||||||” header_2_text_color=”#7272ff” header_2_font_size=”36px” header_2_line_height=”1.3em” custom_margin=”||20px|” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”10%” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

Take advantage of Valeo+ benefits<\/strong><\/span><\/h1>\n

[\/et_pb_text][et_pb_divider color=”#99d02b” divider_weight=”4px” disabled_on=”on|on|off” _builder_version=”4.12.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”40px” module_alignment=”left” custom_margin=”||10px|” animation_style=”zoom” animation_direction=”left” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_button button_url=”#%20contact-form” button_text=”Find out more” _builder_version=”4.12.0″ custom_button=”on” button_text_size=”16px” button_text_color=”#ffffff” button_bg_color=”#99d02b” button_border_width=”10px” button_border_color=”#99d02b” button_border_radius=”100px” button_letter_spacing=”1px” button_font=”||||||||” button_use_icon=”off” custom_margin=”20px|||” animation_style=”zoom” animation_delay=”100ms” animation_intensity_zoom=”10%” button_letter_spacing_hover=”2px” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”2px” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”][\/et_pb_button][\/et_pb_column][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” custom_padding__hover=”|||”][et_pb_row_inner column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ _builder_version=”3.25″ custom_padding=”0px|0px|1px|0px||” animation_style=”zoom” animation_intensity_zoom=”6%” box_shadow_style=”preset1″ box_shadow_vertical=”10px” box_shadow_blur=”60px” box_shadow_color=”rgba(71,74,182,0.12)” global_colors_info=”{}”][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″ module_class=”et_pb_column_1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” module_class__hover=”et_pb_column_1_2″ custom_padding__hover=”|||”][et_pb_blurb title=”TAX OPTIMIZATION” url=”#” image=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/06\/2_analyse-2.png” icon_placement=”left” image_max_width=”64px” content_max_width=”1100px” _builder_version=”4.12.0″ header_font=”Montserrat|700|||||||” header_text_color=”#0d4726″ header_line_height=”1.5em” body_font=”Montserrat||||||||” body_text_color=”#8585bd” body_line_height=”1.9em” background_color=”#ffffff” custom_margin=”|||” custom_padding=”30px|30px|40px|30px||” animation_style=”zoom” animation_direction=”bottom” animation_intensity_zoom=”20%” animation_starting_opacity=”100%” box_shadow_style=”preset7″ box_shadow_horizontal=”-1px” box_shadow_vertical=”-1px” box_shadow_color=”rgba(71,74,182,0.12)” locked=”off” inline_fonts=”Montserrat” global_colors_info=”{}”]<\/p>\n

Take advantage of our expertise to develop tax strategies that will help you maximize every dollar invested in your plan.<\/span><\/p>\n

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[\/et_pb_blurb][et_pb_blurb title=”GOVERNANCE MANAGEMENT” url=”#” image=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/06\/6_analyse-2.png” icon_placement=”left” image_max_width=”64px” content_max_width=”1100px” _builder_version=”4.12.0″ header_font=”Montserrat|700|||||||” header_text_color=”#0d4726″ header_line_height=”1.5em” body_font=”Montserrat||||||||” body_text_color=”#8585bd” body_line_height=”1.9em” background_color=”#ffffff” custom_margin=”|||” custom_padding=”30px|30px|49px|30px||” animation_style=”zoom” animation_direction=”bottom” animation_intensity_zoom=”20%” animation_starting_opacity=”100%” box_shadow_style=”preset7″ box_shadow_horizontal=”-1px” box_shadow_vertical=”-1px” box_shadow_color=”rgba(71,74,182,0.12)” locked=”off” inline_fonts=”Montserrat” global_colors_info=”{}”]<\/p>\n

We support you in the administration of your plan by equipping you and ensuring that you comply with the standards and rules in force. We ensure that these obligations are not only met, but also clearly communicated to all plan members.<\/span><\/p>\n

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[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″ module_class=”et_pb_column_1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” module_class__hover=”et_pb_column_1_2″ custom_padding__hover=”|||”][et_pb_blurb title=”100% FLEXIBLE PLANS” url=”#” image=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/06\/1_analyse-2.png” icon_placement=”left” image_max_width=”64px” content_max_width=”1100px” _builder_version=”4.12.0″ header_font=”Montserrat|700|||||||” header_text_color=”#0d4726″ header_line_height=”1.5em” body_font=”Montserrat||||||||” body_text_color=”#8585bd” body_line_height=”1.9em” background_color=”#ffffff” custom_margin=”|||” custom_padding=”30px|30px|30px|30px” animation_style=”zoom” animation_direction=”bottom” animation_intensity_zoom=”20%” animation_starting_opacity=”100%” box_shadow_style=”preset7″ box_shadow_horizontal=”-1px” box_shadow_vertical=”-1px” box_shadow_color=”rgba(71,74,182,0.12)” locked=”off” inline_fonts=”Montserrat” global_colors_info=”{}”]<\/p>\n

Your group retirement savings <\/span><\/span>plan<\/o:p><\/span>\u00a0is bu<\/span>ilt around your business reality and objectives. Our flexible approach allows you to choose from a variety of innovative options and select your level of contribution.<\/span><\/p>\n

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[\/et_pb_blurb][et_pb_blurb title=”SOLUTIONS FOR RETIREES” url=”#” image=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/06\/5_analyse-2.png” icon_placement=”left” image_max_width=”64px” content_max_width=”1100px” _builder_version=”4.12.0″ header_font=”Montserrat|700|||||||” header_text_color=”#0d4726″ header_line_height=”1.5em” body_font=”Montserrat||||||||” body_text_color=”#8585bd” body_line_height=”1.9em” background_color=”#ffffff” custom_margin=”|||” custom_padding=”30px|30px|30px|30px” animation_style=”zoom” animation_direction=”bottom” animation_intensity_zoom=”20%” animation_starting_opacity=”100%” box_shadow_style=”preset7″ box_shadow_horizontal=”-1px” box_shadow_vertical=”-1px” box_shadow_color=”rgba(71,74,182,0.12)” locked=”off” inline_fonts=”Montserrat” global_colors_info=”{}”]<\/p>\n

We offer solutions and tools specifically designed for your retiring employees, so that they can continue to benefit from mentoring.<\/span><\/span><\/p>\n

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[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.12.0″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”1px|||||” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.18.1″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.12.0″ text_font=”||||||||” text_text_color=”#343434″ text_font_size=”18px” header_font=”||||||||” header_2_font=”Montserrat|700||on|||||” header_2_text_color=”#000000″ header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”800px” module_alignment=”center” min_height=”116.2px” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” hover_enabled=”0″ header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

what is a Group Retirement Savings Plan?<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.12.0″ _module_preset=”default” custom_margin=”11px|auto||auto||” custom_padding=”6px|||||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.12.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/08\/collegue-page-rentes-2.png” title_text=”coll\u00e8gue – page rentes-2″ align=”center” _builder_version=”4.12.0″ _module_preset=”default” custom_padding=”2px|||||” custom_padding_tablet=”116px|||||” custom_padding_phone=”0px||||false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.12.0″ _module_preset=”default” custom_padding=”60px||||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”0px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.12.0″ text_font=”||||||||” text_text_color=”#343434″ text_font_size=”18px” text_line_height=”1.3em” header_font=”||||||||” header_2_font=”Montserrat|700||on|||||” header_2_text_color=”#0d4726″ header_2_font_size=”42px” header_2_line_height=”1.3em” header_3_font=”Montserrat|700||on|||||” header_3_text_color=”#0d4726″ header_3_font_size=”32px” header_4_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”800px” module_alignment=”center” custom_margin=”20px||||false|false” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

A group pension plan is a benefit offered by a company to its employees as part of their benefits package. Employers offer these plans because they enhance the employer brand and serve as incentives to attract and retain staff. What’s more, the employer’s contribution is tax-advantaged.<\/span><\/span><\/p>\n

Employee contributions are invested in pre-selected stocks <\/o:p><\/span><\/span>off<\/span>ered under the plan, and employers often make a matching contribution.<\/span><\/p>\n

For employees, it’s a simple way to save for retirement or other financial goals.<\/p>\n

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    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.12.0″ _module_preset=”default” background_color=”RGBA(0,0,0,0)” custom_padding=”23px||108px|||” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.4.3″ custom_padding=”||||false|false” custom_padding_tablet=”” custom_padding_phone=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.4.3″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.12.0″ text_font=”Montserrat||||||||” text_text_color=”#0d4726″ text_line_height=”1.9em” header_font=”||||||||” header_2_font=”Montserrat|700||on|||||” header_2_text_color=”#0d4726″ header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” hover_enabled=”0″ header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”off|desktop” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

    choose the right group retirement savings plan<\/h2>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.12.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.12.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.12.0″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” text_line_height=”1.3em” header_4_line_height=”1.3em” global_colors_info=”{}”]<\/p>\n

    As an independent firm, we have agreements with all the major suppliers in the country, ensuring a solution that’s 100% aligned with your needs and budget. Here are some of the types of accumulation plans available:<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.4.3″ custom_padding=”1px|||||” custom_padding_tablet=”” custom_padding_phone=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.4.3″ global_colors_info=”{}”][et_pb_tabs module_class=”vertical-tabs2″ _builder_version=”4.12.0″ body_font=”Bell-MT|200|||||||” body_font_size=”19px” tab_font=”Bell-MT|500|||||||” tab_font_size=”20px” tab_letter_spacing=”2px” tab_line_height=”1.1em” module_alignment=”center” custom_padding=”||1px|||” global_colors_info=”{}”][et_pb_tab title=”Group RRSP” _builder_version=”4.12.0″ body_font=”|200|||||||” body_text_align=”left” body_font_size=”18px” body_line_height=”1.3em” tab_font=”||||||||” global_colors_info=”{}”]<\/p>\n

    The group RRSP is a contract generally established by the employer or a union, to allow the payment of contributions to individual RRSPs. In general, only the participant contributes. The group RRSP simplifies systematic savings by withdrawing the amounts paid directly from the payroll. Its administration is centralized and its management costs are lower.<\/p>\n

    [\/et_pb_tab][et_pb_tab title=”Collective TFSA” _builder_version=”4.12.0″ body_font=”|200|||||||” body_font_size=”18px” body_line_height=”1.3em” global_colors_info=”{}”]<\/p>\n

    The group TFSA for businesses allows participants to benefit from a tax-sheltered investment vehicle. Withdrawals are tax-free and can be made at any time. The employer can also contribute up to a maximum established by the employer.<\/p>\n

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    It is a contract whereby the employer shares part of the profits of the company with the workers. Only the employer can contribute to a RPDB<\/abbr> and this determines the conditions of membership in the plan <\/span><\/span>and those for the withdrawal of accumulated sums by workers. <\/o:p><\/span>This type of plan is often <\/span>offered in conjunction with a group RRSP, and contributions are deductible as a business expense.<\/span><\/p>\n

    [\/et_pb_tab][et_pb_tab title=”RRS” _builder_version=”4.12.0″ body_font=”|200|||||||” body_font_size=”18px” body_line_height=”1.3em” tab_font=”||||||||” global_colors_info=”{}”]<\/p>\n

    The RRS is a defined contribution plan in which the amount of contributions is fixed in advance, but not the amount of retirement income. The employer\u2019s contribution is locked in, while the employee\u2019s contribution may or may not be locked in, at the employer\u2019s discretion. It is important to note that the locked-in amounts must be used to provide retirement income and can only be withdrawn under certain very strict conditions.<\/p>\n

    The RRS is administered by a financial institution. Each participant selects his investments from choices provided by the financial institution. The RRS was designed for SMEs, but is suited to businesses of all sizes.<\/p>\n

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    [\/et_pb_tab][et_pb_tab title=”DCP” _builder_version=”4.12.0″ body_font=”|200|||||||” body_font_size=”18px” body_line_height=”1.3em” global_colors_info=”{}”]<\/p>\n

    The amount of contributions to a defined contribution plan is fixed in advance, but not the amount of retirement income.<\/p>\n

    Members\u2019 DCP retirement income depends on the amounts credited to their individual accounts. The sums paid to them are therefore accounted separately from those of other participants.<\/p>\n

    The financial risk associated with the plan depends on the performance of the investments and is assumed by the participant.<\/p>\n

    Usually, the plan is administered by a pension committee and, in some cases, by the employer.<\/p>\n

    [\/et_pb_tab][\/et_pb_tabs][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.12.0″ background_color=”RGBA(0,0,0,0)” custom_padding=”||0px||false|false” custom_padding_tablet=”” custom_padding_phone=”0px||0px||false|false” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.4.3″ min_height=”811px” custom_margin=”-55px|auto||auto|false|false” custom_padding=”||0px|||” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.4.3″ global_colors_info=”{}”][et_pb_text disabled_on=”off|off|on” admin_label=”Title” _builder_version=”4.12.0″ text_font=”Montserrat||||||||” text_text_color=”#0d4726″ text_line_height=”1.9em” header_font=”||||||||” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” min_height=”165px” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” hover_enabled=”0″ header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}” header_text_color=”#000000″ sticky_enabled=”0″]<\/p>\n

    the FINANCIAL v+ wellness program<\/span><\/h2>\n

    [\/et_pb_text][et_pb_image src=”https:\/\/www.valeo.plus\/wp-content\/uploads\/2023\/09\/Programme-V-e1694701182419.png” title_text=”V+ Program” align=”center” _builder_version=”4.12.0″ width=”84.4%” module_alignment=”center” min_height=”527px” min_height_tablet=”” min_height_phone=”auto” min_height_last_edited=”on|phone” custom_margin=”-1px|36px|48px||false|” custom_padding=”|4px||||” box_shadow_style=”preset1″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.4.3″ global_colors_info=”{}”][et_pb_text disabled_on=”on|on|off” admin_label=”Title” _builder_version=”4.12.0″ text_font=”Montserrat||||||||” text_text_color=”#0d4726″ text_line_height=”1.9em” header_font=”||||||||” header_text_color=”#000000″ header_font_size=”32px” header_2_font=”Montserrat|700||on|||||” header_2_text_color=”#0d4726″ header_2_font_size=”30px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”22px|||||” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” hover_enabled=”0″ header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”off|desktop” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

    the FINANCIAL v+ wellness program<\/h2>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.12.0″ text_font=”||||||||” text_font_size=”18px” text_line_height=”1.3em” header_font_size=”31px” header_4_font=”||||||||” header_4_font_size=”16px” header_4_line_height=”1.4em” min_height=”195px” custom_margin=”-15px||2px||false|false” custom_padding=”0px||2px||false|false” inline_fonts=”Bell-MT” global_colors_info=”{}”]<\/p>\n

    Automatically added to your new group savings plan, our financial wellness program is designed to improve employees’ overall financial situation.<\/p>\n

    In order to reach this target, we are working on 3 key elements:<\/p>\n

    1. Reducing financial stress<\/strong><\/p>\n

    2. Building financial literacy<\/strong><\/p>\n

    3. Improving financial well-being<\/strong><\/p>\n

    The success of this program is based on both its design and the quality of the products and services as well as on the personalized support of our advisers.<\/p>\n

    Its implementation in your organization is easy and you will be able to appreciate its results from the first months following its establishment.<\/p>\n

     <\/p>\n

    [\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI2NDIifX0=@” button_text=”DISCOVER THE PROGRAM” button_alignment=”center” _builder_version=”4.12.0″ _dynamic_attributes=”button_url” custom_button=”on” button_text_size=”20px” button_bg_color=”#0D4726″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Service Section” _builder_version=”4.12.0″ background_enable_color=”off” custom_margin=”|||” custom_padding=”40px||40px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.12.0″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.12.0″ text_font=”||||||||” text_text_color=”#343434″ text_font_size=”18px” header_font=”||||||||” header_2_font=”Montserrat|700||on|||||” header_2_text_color=”#000000″ header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”800px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” hover_enabled=”0″ header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

    OUR COMPLEMENTARY SERVICES<\/h2>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.12.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.12.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Group Retirement Savings Plan” use_icon=”on” font_icon=”%%155%%” icon_color=”#0d4726″ use_icon_font_size=”on” icon_font_size=”50px” _builder_version=”4.12.0″ header_font=”Montserrat|on|||” header_text_color=”#343434″ header_font_size=”15px” header_line_height=”1.4em” body_font=”Montserrat||||” body_text_color=”#747d88″ body_font_size=”16px” body_line_height=”1.8em” text_orientation=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_style=”fade” animation_direction=”bottom” custom_css_blurb_image=”margin-bottom: 10px” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.12.0″ _module_preset=”default” 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text_line_height=”1.3em” global_colors_info=”{}”]<\/p>\n

    Enhance your employer brand and make it easier to achieve your organizational goals by working with a benefits firm on a human scale.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Contact Form Section” module_id=”contact-form” _builder_version=”4.12.0″ background_color=”#dee3df” custom_padding=”50px||40px||false|false” animation_style=”zoom” animation_direction=”bottom” animation_intensity_zoom=”10%” saved_tabs=”all” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.12.0″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.12.0″ text_font=”||||||||” text_text_color=”#343434″ text_font_size=”18px” header_font=”||||||||” header_2_font=”Montserrat|700||on|||||” header_2_text_color=”#0d4726″ header_2_font_size=”30px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”4%” header_2_font_size_tablet=”36px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n

    Let’s build a program that’s right for you!<\/h2>\n

    contact us.<\/h2>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.18.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.12.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    <\/div>\n