FOR EMPLOYERS
Attract, Retain, and Protect Your Team With Employee Group Benefits and Savings Plans
WE CARE ABOUT WELLNESS IN THE WORKPLACE, FOR YOU AND YOUR PEOPLE.
Your employees deserve Group Benefits and Savings Plans that actually work for them—plans that support their wellness, feel easy to understand, and don’t put unnecessary strain on your budget. You deserve a partner who listens first, then helps you build something meaningful.
For over 40 years, we’ve helped Canadian organizations design programs that fit your team, your culture, and your long-term goals. Real people. Real conversations. Real support that evolves with you, your workplace, and your life.
40+ Years
serving Canadians
400+
Companies Served
40+ Years
serving Canadians
Alberta
based & independent
Human-First Support for Canadian Organizations and Their People
As an employer, you’re building more than just a place to work. You’re building a culture where people feel supported in their health, their finances, and their future. And we believe that wellness in the workplace goes beyond physical health; it includes financial security, peace of mind, and knowing someone has your back.
The right Group Benefits and Savings Plan plays a huge part in that.
For more than 40 years, our Alberta-based team has partnered with organizations across Canada to create plans that employees actually value, backed by personalized, human guidance you won’t find in a call centre.
We collaborate directly with HR leaders, business owners, and administrators to build sustainable plans that meet employee needs today and evolve with your organization over time. Long-term relationships matter to us, and when plans change or your business grows, we’re still here to help you adjust.
Sound Familiar? You’re Not Alone.
Hiring Challenges
Struggling to attract top talent in a competitive market?
High Turnover
Losing employees to companies with better benefits?
Cost Increases
Facing 15–20% benefit cost increases at renewal?
Poor Service
Frustrated with insurance companies that don’t listen? Or worse – don’t answer your calls?
One-Size-Fits-All Plans
Stuck with limited plan options that don’t reflect your team’s needs?
It might be time to reconsider your Employee Group Benefits and Savings Plan. And we can help!
How We Can Help Improve Your Plan
You don’t have to overhaul your existing plan. We work with what you have and make it better.
Analyze Your Current Coverage
We start with a free review of your existing group plan, identifying the specific gaps that affect your workforce based on your team’s demographics and needs.
Design a Tailored Program
Instead of a one-size-fits-all add-on, we design coverage that matches your workforce and complements your existing plan. That means standalone add-ons, embedded enhancements, or a dedicated Health Spending Account for women’s health services.
Negotiate Competitive Rates
We compare multiple carriers on your behalf every year to lock in the best pricing. No automatic increases, no surprises. You get comprehensive coverage without paying for what you don’t need.
Provide Ongoing Support
Our in-house team handles claims support, plan reviews, employee communications, and carrier negotiations annually, making sure your coverage stays competitive as your team grows and evolves.
Employee Group Benefits and Savings Plans Built Around Real Life
Your business’ culture is unique. Your Group Benefits and Savings Plans should be too!
We help you design plans that:
- Fit your budget (now and long-term)
- Support attraction and retention
- Offer flexible options employees actually use
- Provide direct guidance to your employees and families
- Reduce administrative risk
- Adapt as your team grows
We listen first, then we help you build something that works.
Our Solutions for Employers
Group Benefits
Your people deserve benefits that make a difference and that they actually use. You deserve a partner who collaborates with you to build your employees the right plan! Here are some Employee Group Benefits we offer for employers.
Key Features:
- Custom-built health & dental plans
- Health Spending Accounts (HSA)
- Wellness & Flex programs
- Self-employed health & dental options
Group Savings Plans
A strong savings program helps employees feel confident about their long-term financial wellbeing (and helps your organization stand out as a great place to work!).
Key Features:
- Employee Group RRSP, RESP, TFSA (with no annual transaction fees)
- Employee Group RRIF for retirees
- Automated payroll deduction
- 16 carefully monitored fund companies
- 34 high-quality fund choices
Business Protection
Protect what you’ve built. Get support that evolves with your business as it grows and changes.
Key Features:
- Key Person Insurance
- Shareholder Buy-Sell Agreements
- Business Overhead Expense Insurance
- Succession planning support
Insurance for Business Owners & Leaders
PROTECT YOURSELF & YOUR BUSINESS IF THE UNEXPECTED HAPPENS
Key Person Life Insurance
Key Person Life Insurance
WHAT HAPPENS TO YOUR BUSINESS IF YOUR PARTNER DIES?
When a key owner or partner passes away, the impact is more than personal. Revenue can stall, clients may lose confidence, debts can come due, and the future of the business can suddenly feel uncertain.
Key person life insurance gives your company the financial support to keep operating, protect your ownership interests, and buy time to make clear decisions. It helps ensure that one devastating loss does not become the loss of the business you built together.
Health Protection Plan
Health Protection Plan
WOULD YOUR COMPANY SURVIVE IF YOU WERE UNABLE TO WORK FOR HEALTH REASONS?
The Executive Health Plan is built to protect your company if you’re diagnosed with a life-changing critical illness. It provides a lump sum of tax-free cash to help the company survive while you recover. The costs of the plan are paid by your company and yourself.
If you don’t get sick, all of the contributions can come back to you personally tax-free.
Wage Replacement Insurance for Executives
Wage Replacement Insurance for Executives
IF YOU WERE DISABLED TOMORROW, WOULD YOUR GROUP POLICY ACTUALLY COVER YOUR EXECUTIVE SALARY?
Group disability insurance usually has one catch for senior executives – it’s built for the group as a whole, so often has a maximum payout that won’t come close to replacing your lost income.
Wage replacement insurance is there so that if you become disabled (due to sickness or injury), your finances are protected. Disability Buy/Sell Insurance can help fund an ownership purchase if one partner becomes disabled.
Business Overhead Insurance
Business Overhead Insurance
IF YOU’RE UNABLE TO WORK, WHAT HAPPENS TO YOUR INCOME?
If you’re unable to work, your revenues may stop — but your expenses don’t. Business overhead
insurance helps to cover those costs so that the business continues while you recover.
Benefits for the Self-Employed
Stop paying for health care with after-tax dollars
You chose the freedom of being your own boss. But when you’re self-employed, you’re also personally on the hook for every dentist bill, physiotherapy session, and prescription, all paid for with money you’ve already paid tax on. That’s a huge burden.
When you choose Capital Planning, one of our team members will help you take control of your health costs by turning them into tax-smart business expenses.
The Smart Solution: A Personal Health Spending Plan (PHSP)
We offer a flexible solution that feels nothing like a traditional insurance plan with high monthly premiums. It’s designed specifically for entrepreneurs and incorporated business owners:
- Turn Medical Bills into Tax Deductions: With a PHSP, the money you spend on health, dental, vision, and other medical services (like massage or chiropractic care) is paid for by your company as a tax-deductible expense.
- Receive Tax-Free Benefit: You then receive that money back as a non-taxable benefit. It’s a simple way to keep more of the money you earn!
- No Fixed Monthly Fees: Unlike insurance, you generally only pay when you actually use the services, giving you maximum budget control.
- Built to Grow: If you decide to hire employees later, your PHSP can easily be expanded to cover them, too.
Ready to stop treating your health costs like a personal chore and start treating them like a smart business decision?
Serving Canadian Businesses for Over 40 Years
Build For Canadian Organizations Like Yours
We’ve been serving Canadian businesses for over 40 years, building long-term relationships across diverse industries. We understand the unique benefits plan needs of Canada’s workforce, and we tailor plans to fit your specific industry and culture.
Energy and Industrial Sector
Not-For-Profit Health Care Providers
Private Businesses
Education
Professional Services
Manufacturing
Hospitality & Service
What Other Capital Planning Members are Saying
Speak to an Employer Solutions Expert
When was the last time you spoke to a real person about your employee benefits? Whether you’re reviewing your existing plan or starting from scratch, we’re here to listen first, then help you build coverage your employees actually value.
Fill out the form to book a consultation with one of our experts.