Blog

May 29, 2018

Fixing the Pension Benefits Guarantee Fund

The Pension Benefits Guarantee Fund is a program run by Ontario to protect pension benefits for Ontario workers where the plan sponsor becomes insolvent and becomes […]
May 14, 2018

The Individual Pension Plan – Part II: Getting Control

If you missed Part I: Getting Started you can find it here.  I will jump right in on this stage of the story and I am […]
May 8, 2018

Regulation of Financial Planners – Something’s Missing

Earlier this year, the Ontario government issued a Consultation Paper on the Regulation of Financial Planners (the “Proposed Regulations”) seeking comments on their proposals.  This follows […]
April 29, 2018

Gratitude

Today marks 20 years since we started Actuarial Solutions Inc.  It has been a great ride and I can honestly say that I had no idea […]
April 27, 2018

A Brief Review of the Regulations that enact Ontario’s New Pension Funding Framework

On April 20, 2018, the Ontario Government filed the detailed regulations that formally implement the new funding framework for DB pension plans, as well as formalize […]
April 10, 2018

Proposed Regulations for Variable Benefits from DC Pension Plans

While you may ask, “What took them so long?”, the Ontario government recently published a description of the proposed regulations to permit variable benefits to be […]
March 15, 2018

The Individual Pension Plan – Part I: Getting Started

If you are a small business owner or a senior executive you may have some vague understanding of what an Individual Pension Plan (IPP) is and […]
February 21, 2018

Proposed Changes to PBGF Assessments – Striving for Balance

As part of the Ontario government’s proposed new funding framework for defined benefit pension plans, they have recently released a description of proposed changes to the […]
February 13, 2018

RRSP vs Mortgage – Wrong Question

It’s February, so the advertising about contributing to your RRSP is ramping up.  Four years ago, I wrote about the classic debate of paying down your […]
January 29, 2018

Debt: How Much is Enough?

I was talking to my friend Frank the other day and I made a comment about people’s willingness to borrow money just because there was a […]
January 19, 2018

Ontario’s New Pension Funding Framework – The Good, the Bad and the Ugly

Further to our client memo on the current consultations by the Ontario Government on the proposed regulations relating to the new funding framework for DB pension […]
January 3, 2018

Taking Stock of 2017 and Looking Ahead in 2018

With 2017 now behind us, it’s time for pension plan sponsors to take stock and plan for the year ahead. Solvency position at December 31, 2017 […]