Better Benefits. Better Savings. A Better Future.
Whether you’re supporting a growing team or planning for your own future, you deserve options that feel clear, meaningful, and built for real life. You deserve real conversations with real people who listen first, then help you build benefits and savings that work for you and your people.
For Employers & Self-Employed
Benefits and savings plans that support you, YOUr people, and your business.
For Plan Members & Families
Get clear guidance on benefits, savings, and protecting what matters most.
For Teachers and School Board Employees
Exclusive savings and insurance programs designed specifically for Alberta’s education community.
Serving Canadian Organizations and Their Employees for Over 40 Years
We’re independent, locally owned, and proud to offer human-first advice that evolves with you, your workplace, and your life. We specialize in Group Benefits and Group Savings programs. Whether you’re an organization leader, business owner, HR specialist, educator or plan member, we can help support you and those most important to you.
40+
years serving Canadians
400+
Companies served
4,000+
Individuals helped
Alberta
Based & independent
Better Support for Both Today and Tomorrow Starts Here
Everyone’s needs look a little different. Whether you’re choosing a plan for an organization or planning for your family’s needs, we have a solution for you.
Group Plans for Employers and Small Business Owners
From health and dental to RRSP and TFSA programs, we help employers and self-employed professionals offer benefits that truly support their teams.
Savings and Benefits Support for Plan Members
Whether you’re starting to save, protecting your family, or planning ahead, we help make the process simple for current plan members.
ATA & ASBE Voluntary Benefits and Savings Plans
Exclusive voluntary benefits and savings programs created specifically for Alberta’s education sector.
Personalized Support for Organizations and Their People
When was the last time you spoke to a real person about your benefits?
We know that wellness in the workplace goes beyond physical health—it includes your financial security, your peace of mind, and knowing you have someone in your corner when plans change or life gets complicated. And it’s okay if it’s been a while. We’re here to listen first, then help.
Here’s what makes us different:
Human-First Advice
No 1-800 handoffs. You’ll work with real people who care.
Tailored Benefits and Savings Solutions
Your benefits should work for you and your people, not the other way around.
Support for Self-Employed Professionals
Affordable health, dental, and savings options designed for small business owners.
Dedicated Client Advocacy
Annual plan reviews and negotiations… because long-term relationships matter to us.
In-House Group Savings Expertise
Rare among benefits specialists, and here for you every step of the way.
Well-Established ATA & ASBE Programs
Exclusive voluntary benefits for Alberta’s education sector.
Locally Owned and Independent For 40+ Years
Alberta-based, assisting organizations across Canada, and not going anywhere.
How We Support Wellness
Here’s How to Support Employers, Plan Members, and Families.
Group Health and Dental Benefits
Custom plans for organizations that want to support their teams with sustainable, high-value benefits. Includes Health Spending Accounts, Wellness Accounts, Flex Accounts, and Group Benefits Plans for employers and self-employed professionals.
Group Savings Plans
RRSP, TFSA, RRIF, and RESP programs available through employer group plans and education-sector programs. We offer reduced fees, in-house advisory support, savings automation with payroll deduction, and more.
Business Protection
Coverage for business owners including Key Person Insurance, Buy-Sell Agreements, Business Overhead Insurance, and succession planning strategies.
ATA Voluntary Benefits
Savings and insurance programs, such as RRSP, RESP, TFSA, RRIF, Life Insurance, Critical Illness, and more, designed specifically for Alberta Teachers’ Association members.
ASBE Voluntary Benefits
Savings and insurance programs for Alberta School Board Employees (non-teaching staff), including RRSP, RESP, TFSA, RRIF, Life Insurance, Critical Illness, and more.
Individual Services for Plan Members
Support for current Capital Planning plan members and their families, including savings tools, insurance coverage, travel insurance, and retirement planning guidance.
Industries We’ve Served over the past 40+ years
Canada’s economy is diverse, and we have extensive experience supporting organizations with their savings and benefits plans.
Energy and Industrial Sector
Not-For-Profit Health Care Providers
Private Businesses
Education
Professional Services
Hospitality & Service
What Our Clients and Members Are Saying
About Capital Planning
For more than 40 years, our local Alberta-based team has helped Canadian organizations feel more supported, more informed, and more confident in their future, whether they’re choosing plans for a team or planning for themselves.
We listen first, then we help. And when plans change or life gets complicated? We’re still here to help you adjust if needed.
Check Out Our Latest Blog Posts
- Protecting Your Estate
You’ve worked hard throughout your lifetime and this hard work has finally paid off. Perhaps you’ve accumulated assets beyond even those that you may need to enjoy a carefree and relaxed retirement that will eventually be passed on to your heirs. However, some of these assets can result in a tax liability upon your death, or on the death of your spouse. - Love & Money
How should you manage money in a relationship? This article offers some helpful strategies. - Your 101 on How Canadians Are Taxed
It’s almost time to file your personal income tax return. If you need a refresher on how Canadians are taxed, read on.
Helpful Links
Let’s Have A Conversation
Have questions? Not sure where to start? Send us a message! We’re here to help you find the plan that fits your team, your goals, or your life.