FOR PLAN MEMBERS & FAMILIES
Financial Services for Capital Planning Members and Families
Protecting Your Family. Building Your Future.
If you are part of a workplace that partners with Capital Planning, you have access to savings and insurance programs designed to support your life — not just your job.
Whether you are just getting started, caring for a growing family, or thinking about what comes next, we’re here for real conversations, real guidance, and support that evolves as your life and work change.
Because plans change. People change. And it’s okay if it’s been a while since you last reviewed your benefits!
Plans, Savings, and Protection for Every Stage
Explore your options below and get guidance that fits where you are today (and where you’re going next!)
Group Savings Plans
If your employer is partnered with Capital Planning, you have access to group investment programs that can help you reach your goals faster. These programs include automatic contributions, advisor support, and preferred pricing.
What You Get as a Plan Member
- Payroll deduction options
- Employer matching where offered
- In-house advisors who support you and your family
- No charges to set up, make changes, or get advice on your plan, and no annual transaction fees
- Access to Institutional Fund Managers that aren’t normally available to individual investors
- Guidance that fits your life stage
Fidelity ClearPath®
Take the guesswork out of investing. All Capital RRSP plans have a default investment — customized to you — to make it that much easier to get started.
- Run by Fidelity Investments, one of the top 5 investment companies by assets worldwide
- Automatically creates an asset mix for you based on your age (stage of life)
- Automatically becomes more conservative every 5 years as retirement approaches
Review our savings and investment options below.
Capital Group RRSPs
Capital Group RRSPs
Build Retirement Savings With Confidence
When your employer is partnered with us, you can build long-term retirement savings with ease.
Key Features:
- Tax Savings: No more waiting until spring for RRSP savings! Get your RRSP tax savings back right away – on every paycheque – by contributing through your payroll.
- Build Better Habits: Don’t try to save with “what’s left over”. Pay yourself first with automatic contributions via payroll deduction!!
- In-House Advisory Support: Our Alberta-based team works directly with members to help with enrollment, fund choices, and long-term planning.
Capital Group TFSAs
Capital Group TFSAs
Flexible, Tax-Free Savings That Fit Your Life.
Group TFSAs are ideal for emergency funds, major purchases, or supplementing retirement. You save for any goal because you can withdraw funds any time without penalty.
Key Features:
- Tax-Free Advantage: All investment growth and withdrawals are completely tax-free.
- Flexible Saving: Ideal for emergency funds, down payments, or supplementing retirement income without penalty.
- Broader Investment Choices: Access the same lineup of institutional investment funds as our Capital Group RRSP, including high-growth options
Capital Group RESPs
Capital Group RESPs
Save For Your Child’s Education With Help From Government Grants
Give your children or grandchildren a head start on rising education costs.
Key Features:
- Government Grants: Access the Canada Education Savings Grant (CESG), which provides a 20% match on qualified contributions.
- Simple Saving: Benefit from professional investment management and easy payroll deduction.
- Growth-Focused: The underlying investment is a Target Date Fund, designed to come to maturity when your child turns 18. This fund will automatically become more conservative as it nears the maturity date.
Capital Group RRIFs
Capital Group RRIFs
Convert Your Savings into Flexible Retirement Income
When you’re ready to retire, we make the transition seamless, converting your Capital Group RRSP into a predictable income stream.
Key Features:
- Seamless Transition: Convert your savings by age 71 while maintaining access to the same institutional fund managers.
- Guidance: Get support with mandatory minimum withdrawals, tax planning, and overall retirement strategy.
Other Investment Products
Other Investment Products
Additional Group Savings Plans Available to Plan Members
Beyond the core registered plans, we offer additional products to fit your specific needs.
Key Features:
- Mutual Funds: Gain access to 3400+ funds from 70+ fund companies through our Mutual Fund program.
- GICs (Guaranteed Investment Certificates): Offer capital protection and guaranteed interest for conservative investors.
- Non-Registered Investments: For major goals or after maximizing your RRSP or TFSA, these provide flexible access and are used for estate planning.
- RDSPs (Registered Disability Savings Plans): Group Savings Plans designed for individuals with disabilities, supplemented by federal grants and bonds.
Insurance and Protection Products
As a Capital Planning member, you may have access to insurance options designed to protect your income, your family, and your future. With personalized guidance and preferred group access, we help you choose coverage that fits your life — not just a one-size-fits-all policy.
Protect Your Family and Your Future
As an employee of a client organization, you may have access to exclusive Capital Group Insurance Plans and preferred personal protection programs.
Life Insurance
Life Insurance
Protect the People Who Depend on You
Life insurance is the foundation of your family’s financial security. It provides income replacement, helps manage debt, and covers final expenses if the unexpected happens.
- Term Life Insurance: Lower premiums for coverage over a set time, ideal for temporary needs like covering a mortgage.
- Permanent Life Insurance:Lifetime coverage that can grow a cash value, ideal for long-term protection and estate planning.
Mortgage Insurance
Mortgage Insurance
Keep Your Family Protected If The Unthinkable Happens
If you die suddenly, the bank will come knocking, expecting your full mortgage to be paid out. If your loved ones can’t pay off the mortgage, they’ll lose the home. Protect your family with mortgage insurance!
- Portable protection that follows you even if you change lenders or move homes
- Consistent, transparent coverage that does not decrease as your mortgage is paid down
- Ability to choose your own beneficiary
- Support from advisors who understand ATA members’ financial needs
How This Differs From Creditor Insurance
- Creditor Insurance is built to protect the Creditor – your bank. They decide what happens to the funds from the plan — not your family
- Mortgage insurance is underwritten at the time of application. Once approved, your insurance is locked in, even if your health changes.
- Creditor insurance is underwritten at the time of claim. That means that you could pay premiums for years, and only find out at the time of claim that you weren’t eligible.
Together, these two coverages give ATA members a well-rounded safety net.
Critical Illness Insurance
Critical Illness Insurance
Financial Support When a Serious Diagnosis Changes Everything
When a Critical Illness hits, everything changes. Even with public health care, the cost of a Cancer diagnosis in Canada is about $33,000 – from lost income to out of pocket medical costs. This is how you cover that cost.
Coverage: Heart attack, cancer, stroke, organ transplant, and 25+ other serious conditions
Why People Choose It:
- Benefits paid upon diagnosis — typically within about 30 days
- Tax-free lump-sum payment with no restrictions on use
- Helps cover medical expenses, private treatment, or recovery costs
- Supports mortgage payments, household expenses, or income gaps
- Gives families financial certainty during an uncertain time
Disability Insurance
Disability Insurance
Income Protection if You’re Unable to Work
Losing your income is the single biggest financial risk you face. Disability insurance protects you if illness or injury stops you from working.
Why People Choose It:
- Supports income loss, often 60-66% of income
- Covers travel for treatment
- Helps with home adjustments
- Offers tax-free lump sum
- Provides peace of mind for families
Travel Insurance
Travel Insurance
Protect yourself from astronomical medical costs and unexpected trip disruptions.
Picture this: You’ve finally landed, the bags are unpacked, and you’re ready to explore. Then, the completely unexpected happens—a sudden illness, a bad fall, or a dental emergency.
Away from home, the safety net of your provincial healthcare fades fast. Whether it’s an astronomical bill from a US hospital or a tens-of-thousands-of-dollars bill for an emergency medevac flight back home, a single medical mishap can instantly turn a dream trip into a financial nightmare.
Travel insurance is about making sure a bump in the road doesn’t derail your financial future.
Our Coverage Plans:
- For Canadian Travellers (Per-Trip & Multi-Trip)
- Emergency Medical: Covers ambulances, emergency dental, prescriptions, and foreign medical care.
- All-Inclusive: Combines emergency medical with baggage coverage and trip cancellation/interruption.
- Trip Cancellation & Interruption: Protects your investment against unforeseen events like natural disasters, travel advisories, job loss, or quarantine.
- For Retirees
- Flexible coverage for individual trips or continuous adventures through the Capital Retiree Health and Travel Plan.
- For Visitors to Canada
- Essential emergency medical coverage for tourists, work visa holders, and new immigrants awaiting government health coverage.
- For Students
- Up to $2 million in emergency coverage, plus non-emergency benefits (e.g., annual physicals, eye exams) for Canadians studying abroad/out-of-province and international students in Canada.
Ready to travel with peace of mind?
Features:
- Group rates exclusive to members
- Emergency medical coverage
- Annual multi-trip and single-trip options
- Direct provider link for easy enrollment
Continuous Support for Retirees
Even after leaving the workplace, many members continue working with us for continuation of health and dental benefits, income planning, insurance guidance, and ongoing support.
Retiree Health & Dental Benefits
Retiree Health & Dental Benefits
When you retire, your employer group benefits often end right when you might need them most.
The Capital Retiree Health & Travel Plan (provided by Victor Insurance) provides predictable, budget-friendly coverage to replace your workplace health, dental, and travel benefits.
Key Plan Options:
- Option 1: Health with optional Annual Travel
- Option 2: Health & Dental with optional Annual Travel
Why Choose This Plan?
- Flexible Travel Coverage: Choose between 30 to 180 days of coverage per trip. The best part? You can adjust this duration every year to perfectly match your changing travel lifestyle without having to requalify.
- Guaranteed Acceptance: If you are 50+ and enroll within 90 days of leaving or “aging out” of your group plan, there are no medical questions or underwriting required. There is no maximum enrollment age when transitioning off an employer-paid plan.
- No Age Banding: Your premium rates are based on your province of residence, not your age. This keeps costs stable and prevents unexpected increases as you get older.
- Lifetime & Survivor Coverage: Protection for both you and your spouse for life. In the event of death, coverage converts to a single plan and continues seamlessly.
Retiree Financial Planning & Investments
Retiree Financial Planning & Investments
Approaching retirement requires a shift in your financial strategy.
As you transition from growing your wealth to utilizing it, Capital Estate Planning provides expert guidance to protect your savings and create a reliable income stream.
Key Steps for Retirement Readiness:
- Consolidation: Consolidating your accounts with us simplifies your finances (less paperwork!), allows you to see the big picture, and makes the eventual transition to retirement income much smoother.
- Re-examining Your Investment Mix: While your working years were focused on aggressive growth, retirement planning shifts focus to protecting what you have built. We help you transition.
- Choosing the Right Retirement Income Options: Turning your savings into an income stream (the “back end” of your RRSP) can seem confusing, but it doesn’t have to be. We help you choose the right tools.
Guidance That Grows With You
Every person’s financial path is different, but most of us move through a few key life stages. Understanding where you are today can help you make confident decisions about saving, investing, and protecting your family.
Use the life-stage navigator below to explore guidance that fits your current situation.
01Getting StartedESTABLISHING THE FOUNDATION
What This Stage Looks Like
You may be starting your first job, beginning full-time work, or finally feeling ready to build financial habits. You might be paying down debt, renting, saving for a car or home, or just learning about financial planning.
Why This Stage Matters
Decisions in this stage set the foundation for decades to come. Even small contributions now can grow significantly over time, especially inside tax-advantaged accounts like Group RRSPs and TFSAs.
What To Focus On
- Building an emergency fund
- Starting contributions to your Group TFSA
- Taking advantage of automated contributions (consistent saving)
- Learning about your employer’s Group RRSP or TFSA
How We Can Help
- Help you choose the right account to start with (RRSP vs TFSA)
- Show you how to fit savings into your monthly budget
- Explain investment fund categories in simple terms
02Building WealthPROTECTING INCOME & SAVING
What This Stage Looks Like
You may be saving more consistently, managing a mortgage, raising children, contributing to an RESP, or growing your investments. Financial responsibilities often increase here, but so do opportunities.
Why This Stage Matters
Your saving and protection decisions now can significantly impact your long-term financial stability. This is usually the stage where members start taking fuller advantage of employer group plans.
What To Focus On
- Increasing contributions to your Group RRSP
- Using your Group TFSA for short- and long-term goals
- Starting or increasing Group RESP contributions for your children
- Reviewing Life Insurance coverage
- Considering Critical Illness Insurance / Mortgage Insurance protection
- Creating a long-term investment strategy that fits your goals
How We Can Help
- Help balance multiple goals: mortgage, education savings, retirement
- Show you fund categories that match your time horizon
- Help you understand Life/Mortgage and Critical Illness Insurance
- Help you understand how raising contributions affects your future
03Pre-RetirementOPTIMIZING INCOME & MANAGING RISK
What This Stage Looks Like
You may be in your peak earnings years, paying down debt aggressively, and thinking more seriously about what retirement could look like. You might be reviewing investment performance or planning when to retire.
Why This Stage Matters
This is your “fine-tuning” stage. Smart decisions now help ensure your savings will last through retirement.
What To Focus On
- Increasing RRSP contributions
- Shifting investments toward appropriate risk levels
- Understanding how your Group RRSP or TFSA will convert into income
- Coordinating savings with your ATRF or LAPP pension
- Running retirement income projections
- Updating Life Insurance/Mortgage Insurance, and Critical Illness as needs evolve
- Evaluating your debts and finalizing payoff plans
How We Can Help
- Create a personalized retirement income preview
- Help you understand how your pension and RRSP work together
- Recommend changes to your investment mix as you approach retirement
- Offer Pre-Retirement education sessions (for ATA members and others)
04RetirementGenerating Income & Preserving Wealth
What This Stage Looks Like
You may be transitioning from your Group RRSP to a Group RRIF, looking for stable Health and Travel Coverage, or ensuring your savings last. Estate planning often becomes important.
Why This Stage Matters
Retirement requires good budgeting, reliable income streams, and a plan for health coverage and unexpected expenses.
What To Focus On
- Converting RRSP to RRIF
- Planning for consistent, sustainable income
- Maximizing government programs
- Evaluating health and travel insurance options
- Reviewing estate and beneficiary designations
- Understanding inflation and longevity considerations
How We Can Help
- Guide your RRSP to RRIF conversion
- Help determine your withdrawal strategy
- Assist with retiree insurance planning
- Provide ongoing portfolio and risk management
Get Personalized Guidance for Your Stage
When was the last time you spoke to a real person about your benefits or savings?
Book a complimentary conversation — no pressure, no sales script — just support that meets you where you are.
Are You an Alberta Teacher or Alberta School Board Employee?
You have access to exclusive Voluntary Group Benefits Plans created specifically for Alberta teachers and school board employees.
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.