Benefits Consulting..

Montcalm & Associates Financial Group’s consultants help organizations design and implement their benefits programs.

This includes the following:

• 17 years experience in specialising in benefit consulting and servicing;
 

• Competitive and tax eftective analysis of group benefits and retirement plans;
 

• Our approach includes non-invasive plan audits, market surveys, establishing HR policies and employee meetings/seminars.
  
  
• Industry comparatives and bench marking of your plans;
  
  
• Managing the development and introduction of client benefits programs;
  
  
• Establishing plan governance criteria and human resource policy design to ensure administrative practices conform to legislated accounting and management standards;
  
  
• Monitoring investments and assisting with investment management firm searches;
  
  
• Informative presentations to senior management, plan trustees and employees;
  
  
• Developing managed care programs to manage health, dental, short term and long term disability claims;
  
  
• Managing the entire transition process;
  
  
• Developing employee/member communications including seminars and printed and/or electronic one-on-one communications programs;
  
  
• Interviewing each employee to advise and recommend individual investment choices, completing all the forms, answering every employee question;
  
  
• Executive top-up options, plans and designs; and
  
  
• Providing individual financial services including personal retirement income financial plans, life insurance, estate planning or other needs.

The objective and result is a designed benefit program that surpasses the clients’ needs albeit, financially, logistically and valued by employees.