[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.10.5″ background_image=”http:\/\/www.botica.ca\/wp-content\/uploads\/2021\/08\/botica-007.jpg” background_position=”bottom_center” custom_margin=”|||” custom_padding=”12vw|0px|0|0px|false|false” global_colors_info=”{}”][et_pb_row column_structure=”2_3,1_3″ padding_top_bottom_link_1=”false” padding_left_right_link_1=”true” _builder_version=”4.9.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1160px” custom_margin=”|||||false” custom_padding=”27px|0px|0|0px|false|false” animation_style=”slide” animation_direction=”right” use_custom_width=”on” custom_width_px=”1160px” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”3.25″ background_color=”#ffffff” custom_padding=”40px|40px|0px|40px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ ul_font=”||||||||” ol_font=”||||||||” header_font=”Playfair Display|700|||||||” header_text_color=”#202020″ header_font_size=”48px” header_line_height=”1.5em” header_2_font=”||||||||” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” header_font_size_tablet=”38px” header_font_size_phone=”28px” header_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE4In19@” url_new_window=”on” button_text=”Contact us” _builder_version=”4.9.4″ _dynamic_attributes=”button_url” custom_button=”on” button_text_size=”12px” button_text_color=”#FFFFFF” button_bg_color=”#1D2C70″ button_border_color=”rgba(0,0,0,0)” button_border_radius=”0px” button_letter_spacing=”2px” button_font=”Rubik|500||on|||||” button_use_icon=”off” background_layout=”dark” custom_padding=”16px|32px|16px|32px|true|true” box_shadow_style=”preset1″ box_shadow_color=”rgba(29,44,112,0.5)” button_letter_spacing_hover=”2px” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on|hover” button_letter_spacing__hover=”3px” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”List” _builder_version=”3.22″ global_colors_info=”{}”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.9.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.9.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” animation_style=”slide” animation_direction=”left” global_colors_info=”{}”]<\/p>\n
Group plan<\/a><\/p>\n Voluntary retirement savings plan<\/a><\/p>\n Deferred Profit Sharing Plan<\/a><\/p>\n Individual Pension Plan<\/a><\/p>\n Defined Contribution Registered Pension Plan<\/a><\/p>\n Defined Benefit Registered Pension Plan<\/a><\/p>\n Simplified Pension Plan<\/a><\/p>\n Retirement Compensation Arrangement<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.9.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Botica Financial Group offers a wide array of group investment products for firms, associations, unions as well as other organizations.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”3.25″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” text_orientation=”center” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”right” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.9.4″ background_color=”#EBEDEB” max_width=”1280px” custom_margin=”|||” custom_padding=”60px|40px|60px|40px|true|true” animation_style=”slide” animation_direction=”left” border_width_all=”3px” border_color_all=”#EBEDEB” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” use_custom_width=”on” custom_width_px=”1280px” global_colors_info=”{}” border_color_all__hover_enabled=”on|hover” border_color_all__hover=”#767676″][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Group RRSP” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”VRSP” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”DPSP” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”IPP” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”DCRPP” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”DBRPP” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”SIPP” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][et_pb_blurb title=”RCA” use_icon=”on” font_icon=”%%202%%” icon_color=”#1D2C70″ icon_placement=”left” content_max_width=”1100px” use_icon_font_size=”on” icon_font_size=”24px” image_max_width_tablet=”60px” image_max_width_phone=”60px” image_max_width_last_edited=”off|desktop” _builder_version=”4.9.4″ header_font=”Rubik|500||on|||||” header_text_color=”#202020″ header_font_size=”12px” header_letter_spacing=”2px” header_line_height=”2em” body_font=”||||||||” body_line_height=”2em” body_font_size_tablet=”12px” body_font_size_last_edited=”off|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Testimonial” _builder_version=”3.22″ global_colors_info=”{}”][et_pb_row module_id=”REER” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n A group RRSP comprises the individual RRSP\u2019s of persons who are members of one group. RRSP contributions are retained in the salary and the administration is centralized The policy\u2019s administrator is not obliged to contribute to a group RRSP.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Group RRSP\u2019s provide its participants with advantages that would be practically unavailable to them individually, such as favourable interest rates and lower minimum payments.<\/p>\n [\/et_pb_text][et_pb_toggle title=”Benefits for a company or an association” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Benefits for the employee or participant” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”RVER” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”placements-garantis” _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n VRSP is a new type of group retirement plans created by the Qu\u00e9bec government to help residents of Qu\u00e9bec save for retirement. It came into effect on July 1, 2014, and is accessible to self-employed workers, individual investors, business owners and associates. <\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_toggle title=”For the employer” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n A VRSP will be mandatory if your company:<\/p>\n [\/et_pb_toggle][et_pb_toggle title=”For the employee” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n A VRSP is particularly interesting for salaried employees who do not have access to a group retirement savings plan with their employer. Much like the RRSP, contributions to a VRSP are deductible from taxable income, and contributions and investment income grow free of taxes until retirement. <\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”RPDB” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” custom_padding=”||41px|||” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n An arrangement by which an employer, for the benefits of certain employees, pays an amount calculated on the basis of the tax-free profits recorded by the company. The designated shareholders (those that possess directly or indirectly more than 10% of the company\u2019s capital-shares) are excluded. The amounts paid by the company to participating employees are not considered as earned income. <\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”RRI” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n An IPP is a registered pension plan normally established for a single participant, and designated specifically for business owners or key employees. A retirement insurance policy with fixed benefits.<\/p>\n The IPP offers upper-level managers and executive directors the benefits of maximum tax relief as well as maximum retirement annuity. The IPP is an excellent business strategy-company executives and upper-level managers that have the necessary income to benefit from daring tax-shelter conditions. <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n To be eligible for an IPP, the participant must :<\/p>\n Be 40 years of age or more and earn at least $75 000 from an employer that sponsors an IPP. This salary can be reduced to $50 000 if it represents the participant\u2019s sole source of taxable income. <\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”RPACD” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”placements-garantis” _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Employee and employer contributions are calculated up to retirement at which time they become retirement income.<\/p>\n The size of the contributions contained in the policy is foreseeable, while the size of the retirement income is not.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n The sum allocated to the participant is calculated according to:<\/p>\n The annuity rate and economical conditions pertaining to the employee\u2019s retirement date.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”RPAPD” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”placements-garantis” _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” custom_padding=”||41px|||” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n A retirement insurance policy with fixed benefits allows for the allocation of fixed retirement benefits in accordance with the participant\u2019s wages and his or her number of years of employment.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”RRS” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”placements-garantis” _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” custom_padding=”||0px|||” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n A simplified pension plan (SIPP) is a written contract by which an employer only or an employer and workers are required to make contributions in view of providing the workers with retirement income. The SIPP is offered and administered by a financial institution. <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n It combines the advantages of defined contribution plans, group RRSPs and deferred profit-sharing plans (DPSPs). It is designed to respond to the needs of small businesses. <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”CR” _builder_version=”4.9.4″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.2″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”500px” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”placements-garantis” _builder_version=”4.9.2″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” module_alignment=”center” animation_style=”slide” animation_direction=”bottom” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n A retirement compensation arrangement (RCA) is a measure that insures the provision of additional retirement benefits which are not part of a retirement insurance policy.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_toggle title=”Benefits for the employer” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n Fiscal benefits<\/strong><\/p>\n The contributions paid out through a Pension Benefits Agreement are not wage deductible. The employer\u2019s contributions are tax deductible for the year during which they are allocated. <\/p>\n An incentive for key employees<\/strong><\/p>\n a retirement agreement is an efficient measure to attract and retain the employers and experts occupying key positions.<\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Benefits for the employee or participant” open_toggle_text_color=”#1D2C70″ open_toggle_background_color=”rgba(0,0,0,0)” closed_toggle_background_color=”rgba(0,0,0,0)” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_line_height=”2em” custom_margin=”||0px|” custom_padding=”16px|12px|16px|12px|true|true” animation_style=”zoom” border_width_all=”0px” border_color_all=”#eff5f7″ border_width_bottom=”2px” border_color_bottom=”#767676″ global_colors_info=”{}”]<\/p>\n Employer contributions<\/strong><\/p>\n The employer is committed to allocating the participants an annuity whose amount is predetermined. When an employer allocates contributions in a trust fund in order to capitalize on the promised premiums, the participants are guaranteed payment of their premiums. <\/p>\n Protection against creditors<\/strong><\/p>\n Given that the policy\u2019s asset value is different from the company\u2019s asset value, it is protected against the employer\u2019s creditors.<\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” admin_label=”Footer” _builder_version=”4.9.11″ use_background_color_gradient=”on” background_color_gradient_start=”#000000″ background_color_gradient_end=”rgba(0,0,0,0.6)” background_color_gradient_overlays_image=”on” background_image=”http:\/\/www.botica.ca\/wp-content\/uploads\/2021\/08\/botica-019.jpg” custom_padding=”90px|0px|90px|0px|false|false” hover_enabled=”0″ saved_tabs=”all” global_colors_info=”{}” title_text=”botica-019″ sticky_enabled=”0″][et_pb_column type=”1_2″ specialty_columns=”2″ 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text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”rgba(255,255,255,0.7)” text_line_height=”2em” header_font=”||||||||” header_4_font=”Playfair Display|700|||||||” header_4_line_height=”1.5em” background_layout=”dark” animation_style=”fade” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_contact_form captcha=”off” email=”info@botica.ca” submit_button_text=”Send your request” module_id=”et_pb_contact_form_0″ _builder_version=”4.9.4″ form_field_background_color=”#EBEDEB” form_field_text_color=”#767676″ form_field_focus_background_color=”#EBEDEB” form_field_focus_text_color=”#767676″ form_field_font=”||||||||” background_color=”#ffffff” custom_button=”on” button_text_size=”12px” button_text_color=”#FFFFFF” button_bg_color=”#1D2C70″ button_border_width=”14px” button_border_color=”rgba(0,0,0,0)” button_border_radius=”0px” button_letter_spacing=”2px” button_font=”Rubik|500||on|||||” button_use_icon=”off” custom_padding=”60px|40px|60px|40px|true|true” animation_style=”slide” animation_direction=”right” border_width_all=”2px” border_color_all=”#EBEDEB” box_shadow_style_button=”preset1″ box_shadow_color_button=”rgba(239,59,36,0.1)” form_background_color=”#f5f9fa” global_colors_info=”{}” button_letter_spacing_hover=”2px”][et_pb_contact_field field_id=”Name” field_title=”Name” fullwidth_field=”on” _builder_version=”4.9.2″ custom_margin=”||30px|” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” 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button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”Message” field_title=”Message” field_type=”text” fullwidth_field=”on” _builder_version=”4.9.2″ custom_margin=”||30px|” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.10.5″ background_color=”#202020″ global_colors_info=”{}” global_module=”1599″][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.10.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.5″ _module_preset=”default” link_font=”|300|||||||” link_text_color=”#C4CACE” header_3_font=”||||||||” header_3_text_color=”#FFFFFF” global_colors_info=”{}”]<\/p>\n About us<\/a><\/p>\n Our Team<\/a><\/p>\n Contact<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.10.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.5″ _module_preset=”default” link_font=”|300|||||||” link_text_color=”#C4CACE” header_3_font=”||||||||” header_3_text_color=”#FFFFFF” global_colors_info=”{}”]<\/p>\n Virgate<\/a><\/p>\n Viefund<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.10.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.5″ _module_preset=”default” link_font=”|300|||||||” link_text_color=”#C4CACE” header_3_font=”||||||||” header_3_text_color=”#FFFFFF” global_colors_info=”{}”]<\/p>\nProducts and services<\/h3>\n
A complete offer<\/h2>\n
RRSP<\/h3>\n
Group plan<\/h2>\n
\n
\n
VRSP<\/h3>\n
Voluntary retirement savings plan<\/h2>\n
\n
DPSP<\/h3>\n
Deferred Profit Sharing Plan<\/h2>\n
IPP<\/h3>\n
Individual Pension Plan<\/h2>\n
\n
DCRPP<\/h3>\n
Defined Contribution Registered Pension Plan<\/h2>\n
\n
DBRPP<\/h3>\n
Defined Benefit Registered Pension Plan<\/h2>\n
SIPP<\/h3>\n
Simplified Pension Plan<\/h2>\n
RCA<\/h3>\n
Retirement Compensation Arrangement<\/h2>\n
Contact us<\/h3>\n
Schedule a meeting with one of our advisors<\/h2>\n
Fast, simple and professional<\/span><\/h4>\n
Personalized service<\/span><\/h4>\n
In person or remotely<\/span><\/h4>\n
Our Business<\/h3>\n
Advisors Login<\/h3>\n
Legal<\/h3>\n