{"id":2254,"date":"2026-11-01T21:19:30","date_gmt":"2026-11-02T04:19:30","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=2254"},"modified":"2026-11-01T22:24:57","modified_gmt":"2026-11-02T05:24:57","slug":"group-retirement-savings-plan","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2026\/11\/01\/group-retirement-savings-plan\/","title":{"rendered":"Group Retirement Savings Plan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2254\" class=\"elementor elementor-2254\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c6dab51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c6dab51\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c6aa64a\" data-id=\"c6aa64a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bd410b elementor-widget elementor-widget-html\" data-id=\"6bd410b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!--\nIMMIX GROUP | FINANCIAL LITERACY MONTH 2026\nELEMENTOR HTML WIDGET | FERVID PUBLISHING HOUSE\n\nSOURCE GOVERNANCE\nApproved article: Lindsay Byrka, CFP\u00ae\nArticle text: SOURCE LOCKED\nDesign: Immix Group locked continuous-reading style\nScrollMeta: 8.2-compatible, source-grounded section map\nSEO control: Rank Math\nPublication URL and date: Managed by WordPress\n\nPaste this entire block into ONE Elementor HTML widget.\nIf the WordPress theme displays a separate post title,\nhide that duplicate title in the template.\n-->\n\n<article\n  class=\"immix-article immix-article--talk-money-2026\"\n  data-scrollmeta-version=\"8.2-compatible\"\n  data-scrollmeta-article-key=\"financial-literacy-talk-money-2026\"\n  data-scrollmeta-page-type=\"financial-literacy-group-retirement-education\"\n  data-scrollmeta-primary-entity=\"Immix Group\"\n  data-scrollmeta-author=\"Lindsay Byrka, CFP\u00ae\"\n  data-immix-design-system=\"locked-continuous-reading-article-style\"\n  data-fervid-provenance-status=\"approved-manuscript-copy-locked\"\n>\n\n<!-- FERVID SCROLLMETA | SOURCE-GROUNDED ARTICLE MAP -->\n\n<script type=\"application\/json\" id=\"immix-talk-money-scrollmeta-2026\">\n{\n  \"scrollmetaVersion\": \"8.2-compatible\",\n  \"articleKey\": \"financial-literacy-talk-money-2026\",\n  \"headline\": \"Talk Money: 5 Questions Worth Asking About Your Group Retirement Savings Plan\",\n  \"publisher\": \"Immix Group\",\n  \"author\": \"Lindsay Byrka, CFP\u00ae\",\n  \"contentState\": \"client-approved-immutable\",\n  \"publicationState\": \"managed by WordPress and Rank Math\",\n  \"copyParity\": \"visible-source-only\",\n  \"seoAuthority\": \"Rank Math\",\n  \"audience\": [\n    \"Canadian employers\",\n    \"HR professionals\",\n    \"group retirement plan sponsors\"\n  ],\n  \"sectionMap\": [\n    {\n      \"id\": \"introduction\",\n      \"role\": \"campaign-context\"\n    },\n    {\n      \"id\": \"question-1\",\n      \"role\": \"plan-understanding\"\n    },\n    {\n      \"id\": \"question-2\",\n      \"role\": \"fees-and-value\"\n    },\n    {\n      \"id\": \"question-3\",\n      \"role\": \"employer-contributions\"\n    },\n    {\n      \"id\": \"question-4\",\n      \"role\": \"retirement-planning\"\n    },\n    {\n      \"id\": \"question-5\",\n      \"role\": \"plan-design\"\n    },\n    {\n      \"id\": \"keep-the-conversation-going\",\n      \"role\": \"closing-thought\"\n    },\n    {\n      \"id\": \"key-takeaways\",\n      \"role\": \"approved-summary\"\n    },\n    {\n      \"id\": \"faqs\",\n      \"role\": \"five-visible-FAQs\"\n    },\n    {\n      \"id\": \"read-more\",\n      \"role\": \"linked-source-reading\"\n    }\n  ],\n  \"releaseGuards\": {\n    \"noMachineOnlyClaims\": true,\n    \"noDuplicateBlogPostingSchema\": true,\n    \"noAutoGeneratedFAQ\": true,\n    \"publicationDateAndURLFromWordPress\": true\n  }\n}\n<\/script>\n\n<!-- ARTICLE HEADER -->\n\n<header\n  class=\"immix-article__header\"\n  data-scrollmeta-section=\"article-header\"\n  data-scrollmeta-role=\"title-and-author\"\n>\n  <h1>Talk Money: 5 Questions Worth Asking About Your Group Retirement Savings Plan<\/h1>\n\n  <p class=\"immix-article__kicker\">\n    <strong>Financial Literacy Month | November 2026<\/strong>\n  <\/p>\n\n  <div\n    class=\"immix-article__byline\"\n    data-scrollmeta-section=\"author-byline\"\n    data-scrollmeta-author=\"Lindsay Byrka, CFP\u00ae\"\n    data-scrollmeta-author-role=\"President\"\n  >\n    <p>\n      By\n      <a href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener noreferrer\">Lindsay Byrka, CFP\u00ae<\/a>\n      <span>President, Immix Group<\/span>\n    <\/p>\n  <\/div>\n<\/header>\n\n<!-- INTRODUCTION -->\n\n<section\n  class=\"immix-article__section immix-article__section--intro\"\n  id=\"introduction\"\n  aria-label=\"Financial Literacy Month introduction\"\n  data-scrollmeta-section=\"introduction\"\n  data-scrollmeta-role=\"context-and-introduction\"\n>\n\n  <p>November is Financial Literacy Month, and for the second year in a row, the Financial Consumer Agency of Canada (FCAC) is encouraging Canadians to \u201c<a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/campaigns\/financial-literacy-month.html\" target=\"_blank\" rel=\"noopener noreferrer\">Talk Money<\/a>.\u201d The 2026 campaign builds on the momentum of the 2025 theme and encourages purposeful conversations about money and the financial moments that affect confidence and well-being. It focuses on helping Canadians save, plan and protect their money, while building financial confidence, reducing stigma around money topics and improving access to trustworthy financial help.<\/p>\n\n  <p>It is a message worth repeating. Last year for Financial Literacy Month, we answered employers\u2019 questions about setting up a Group Savings Plan, including costs and employer contributions. You can revisit that article here: <em>Top 5 Questions from Employers When Considering a Group Savings Plan.<\/em><\/p>\n\n  <p class=\"immix-lens-question\">Financial confidence starts with better conversations, and the workplace is a natural place to start them.<\/p>\n\n  <p>At Immix Group, our focus is on guiding employers in designing, implementing and managing group savings plans that meet their objectives. For many of our small and mid-sized business clients, that means giving employees a way to save, supporting it with an employer contribution where it fits, and helping employees build the financial literacy to make the most of it.<\/p>\n\n  <p>But once a plan is in place, the conversation should not stop.<\/p>\n\n  <p>Employers make significant financial decisions on behalf of their people when they set up, review or change a Group Retirement Savings Plan. Yet even experienced HR professionals and business owners are not always comfortable asking the questions they really want answered: Is there more we could be doing to promote and optimize the program? What are we paying in fees? Is our employer matching formula the right one? Are employees using the plan? Do they value it? Who can we turn to for a straight answer?<\/p>\n\n  <p>That is what Talk Money looks like for employers. In that spirit, here are five questions worth asking your advisor, your provider and your own team.<\/p>\n\n<\/section>\n\n<!-- QUESTION 1 -->\n\n<section\n  class=\"immix-article__section immix-article__section--reason\"\n  id=\"question-1\"\n  aria-labelledby=\"question-1-heading\"\n  data-scrollmeta-section=\"question-1\"\n  data-scrollmeta-role=\"employee-understanding\"\n>\n\n  <h2 id=\"question-1-heading\">1. Do our employees understand their Group Retirement Savings Plan?<\/h2>\n\n  <p>Providing a Group RRSP, DPSP or other workplace savings programs is an important step, but employees still need to understand what they have and how to use it. If they do not understand the plan, they are less likely to join, leaving \u2018free money\u2019 and the opportunity to save on the table. <\/p>\n\n  <h3>What employees are asking<\/h3>\n\n  <p>Retirement plans can come with unfamiliar terminology, investment choices and decisions. Employees may ask:<\/p>\n\n  <ul class=\"immix-article__list\">\n    <li>How much should I contribute?<\/li>\n    <li>How does my employer's contribution or matching work?<\/li>\n    <li>What are my investment options?<\/li>\n    <li>What do the different fund choices mean?<\/li>\n    <li>How risky is it for me to invest in these funds? <\/li>\n    <li>Where can I see how my investments are performing?<\/li>\n    <li>Who can I talk to if I have questions?<\/li>\n  <\/ul>\n\n  <p>These are valid questions, and they are why education is an important part of a successful group retirement program.<\/p>\n\n  <h3>How Immix Group supports employees<\/h3>\n\n  <p>At Immix Group, we see education as ongoing plan support, not simply something that happens at launch. Our advisors can help employees understand how their workplace savings program works, the options available and where to find the information they need to make informed decisions. <strong>Written materials and periodic webinars are useful, but they may not be enough on their own. Employees also need to know who they can turn to with questions about their plan.<\/strong><\/p>\n\n  <p><strong>Tailor the message. <\/strong>Education works best when it is tailored to different work segments, such as office-based staff, shift workers and field workers, so each group gets information in a way that fits how they work.<\/p>\n\n  <p class=\"immix-lens-question\"><strong>T<\/strong><strong>he employer question.<\/strong> Are we merely offering a retirement plan, or are we helping employees understand and make the most of it? Making education and advisor support accessible gives employees somewhere to take their questions, while helping HR avoid becoming the default source of personal financial advice.<\/p>\n\n  <p class=\"immix-talking-cta\"><strong>Don\u2019t have an employer sponsored group savings program yet? <\/strong><a href=\"https:\/\/www.immixgroup.ca\/group-savings-plans.php\"><strong>Ask us how to get started!<\/strong><\/a><\/p>\n\n<\/section>\n\n<!-- QUESTION 2 -->\n\n<section\n  class=\"immix-article__section immix-article__section--reason\"\n  id=\"question-2\"\n  aria-labelledby=\"question-2-heading\"\n  data-scrollmeta-section=\"question-2\"\n  data-scrollmeta-role=\"fee-understanding\"\n>\n\n  <h2 id=\"question-2-heading\">2. What are we paying in fees for our Group Retirement Savings Plan?<\/h2>\n\n  <p>This is one of the questions we hear most often from employers, and it gets plenty of media attention. Even a small difference in fees can add up over decades, but the answer is not always as straightforward as it sounds.<\/p>\n\n  <p>With a Group RRSP or DPSP, you may encounter terms including:<\/p>\n\n  <ul class=\"immix-article__list\">\n    <li>Investment Management Fees (IMFs)<\/li>\n    <li>Operating Expenses (OEs)<\/li>\n    <li>Administration fees for certain transactions<\/li>\n    <li>Advisor compensation fees<\/li>\n  <\/ul>\n\n  <div class=\"immix-heading-lede\">\n    <h3>What the fees include.<\/h3>\n    <p> Sometimes employers focus on a single percentage without fully understanding what is included in that number. Typical employer-sponsored Group Retirement Savings Plans through mainstream providers such as Manulife, iA Financial or Canada Life provide: <\/p>\n  <\/div>\n\n  <ul class=\"immix-article__list\">\n    <li>Recordkeeping and day-to-day administration<\/li>\n    <li>Online tools for payroll remittance and enrolment<\/li>\n    <li>Sponsor reporting and an annual plan review<\/li>\n    <li>Customer service support <\/li>\n    <li>A monitored investment lineup<\/li>\n    <li>Member websites, apps and planning tools<\/li>\n    <li>Enrolment and education sessions<\/li>\n    <li>Support with governance and CAP Guideline responsibilities<\/li>\n  <\/ul>\n\n  <p><strong>How fees are applied.<\/strong> Fees charged to a member\u2019s account reduce their investment return. <strong>For example, if a fund earns a 10% return before fees and investment-related fees are 1%, those fees reduce the return ultimately received by the member.<\/strong><\/p>\n\n  <p>That attention on fees has also opened the door to new players. Low-cost online platforms are moving into the group retirement space, including <a href=\"https:\/\/www.wealthsimple.com\/en-ca\/business\/group-savings\" target=\"_blank\" rel=\"noopener noreferrer\">Wealthsimple<\/a>, a name many Canadians associate with digital investing. Their main selling point is lower fees, built around low-cost exchange-traded funds (ETFs), a user-friendly platform, and understandable communications. <\/p>\n\n  <p class=\"immix-lens-question\"><strong>What to ask. <\/strong>More choice is good for employers, but it makes it even more important to understand what is being compared, and what makes sense for a particular workforce. You do not need to become an investment fee expert, but you should feel comfortable asking your advisor or provider: What are we paying, how are those costs calculated and what are we receiving in return? What are you, as the advisor, receiving in compensation? Most importantly, the answers should make sense to you. <\/p>\n\n<\/section>\n\n<!-- QUESTION 3 -->\n\n<section\n  class=\"immix-article__section immix-article__section--reason\"\n  id=\"question-3\"\n  aria-labelledby=\"question-3-heading\"\n  data-scrollmeta-section=\"question-3\"\n  data-scrollmeta-role=\"employer-contribution-participation\"\n>\n\n  <h2 id=\"question-3-heading\">3. Are employees making the most of our contributions?<\/h2>\n\n  <p>Employer contributions are often the most valuable part of a group savings program, but only if employees take full advantage of them. Employers and advisors alike are often surprised when enrolment in a voluntary plan with an employer contribution is anything less than 100%. <\/p>\n\n  <h3>Questions to ask about participation<\/h3>\n\n  <p>Where a plan includes matching, employees who do not enrol, or who <strong>do not contribute enough to receive the full match, may be leaving available employer contributions on the table.<\/strong> <strong>A<\/strong><strong>sk:<\/strong><\/p>\n\n  <ul class=\"immix-article__list\">\n    <li>Are all eligible employees enrolled?  <\/li>\n    <li>Are employees contributing enough to receive the full employer match?<\/li>\n    <li>Do new hires know when they become eligible and how to enroll?<\/li>\n    <li>Do employees know how much the company contributes on their behalf?<\/li>\n    <li>Do employees revisit their contribution level as their income changes?<\/li>\n  <\/ul>\n\n  <h3>Why proactive follow-up matters<\/h3>\n\n  <p>Sending out an enrolment link and hoping employees follow through is not the best way to optimize plan participation. Employers who get the most from their contributions are proactive. They review enrolment and contribution levels every year, work with their advisor to identify who has not joined or is not capturing the full match, and follow up until employees understand the plan and are using it to its full value. That often means new hires, younger employees who feel retirement is a long way off, or shift and field workers who missed the original enrolment session. A short, personal conversation is often what turns \u201cI\u2019ll get to it later\u201d into \u201cSign me up.\u201d<\/p>\n\n  <p class=\"immix-lens-question\"><strong>Know your numbers. <\/strong>Participation is one of the clearest signs of whether a plan is working, so ask your advisor for the numbers: how many employees are enrolled, how many are receiving the full match and where the gaps are. Then act on them. Your contribution only delivers its value once employees have claimed it.<\/p>\n\n<\/section>\n\n<!-- QUESTION 4 -->\n\n<section\n  class=\"immix-article__section immix-article__section--reason\"\n  id=\"question-4\"\n  aria-labelledby=\"question-4-heading\"\n  data-scrollmeta-section=\"question-4\"\n  data-scrollmeta-role=\"retirement-planning\"\n>\n\n  <h2 id=\"question-4-heading\">4. Are employees actually planning for retirement, or just saving?<\/h2>\n\n  <p><strong>Contributing every pay period is an important <\/strong><strong>habit but<\/strong><strong> saving and planning are not the same thing.<\/strong> A group retirement savings plan is only one piece of the picture. Planning means understanding how those savings fit within a broader financial plan, including other sources of retirement income such as CPP and OAS, and personal savings such as a TFSA.<\/p>\n\n  <h3>Planning help available to employees<\/h3>\n\n  <p>Employees also need to know what planning help is available and use it. Most provider platforms include online tools and calculators that can help employees estimate what they may need and whether they are on track. Those tools are a good start, but a conversation with an advisor can help employees understand what those numbers mean for their own situation.<\/p>\n\n  <p><strong>Access to <\/strong><strong>experienced <\/strong><strong>advisors. <\/strong>At Immix Group, <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/10\/31\/financial-well-being-valuable-resources-through-our-partnership-with-ciccone-mckay-financial-group\/\">plan members have the opportunity to work with the advisors at Ciccone McKay Financial Group, our sister company.<\/a> Those advisors can look at the workplace plan alongside everything else an employee has and help build a plan around their own goals. It is a real value add to the program, and one employers should make sure their people know about.<\/p>\n\n  <h3>Questions to ask about planning<\/h3>\n\n  <p>Many employees contribute faithfully without a clear picture of where those savings are taking them. Ask:<\/p>\n\n  <ul class=\"immix-article__list\">\n    <li>Do employees have a sense of how much they may need in retirement?<\/li>\n    <li>Do they understand how their workplace savings fit with CPP, OAS and any personal savings?<\/li>\n    <li>Have they named or updated their beneficiaries?<\/li>\n    <li>Do they know their options if they leave the company or retire?<\/li>\n  <\/ul>\n\n  <p class=\"immix-lens-question\"><strong>Why it matters. <\/strong>Helping employees <a href=\"https:\/\/immixgroup.ca\/blog\/2021\/11\/17\/3-action-steps-employers-can-take-to-reduce-employee-financial-stress-and-increase-financial-literacy\/\">connect their workplace savings to a longer-term plan builds financial literac<\/a>y, while making the employer's investment more visible and more valued.<\/p>\n\n<\/section>\n\n<!-- QUESTION 5 -->\n\n<section\n  class=\"immix-article__section immix-article__section--reason\"\n  id=\"question-5\"\n  aria-labelledby=\"question-5-heading\"\n  data-scrollmeta-section=\"question-5\"\n  data-scrollmeta-role=\"plan-design\"\n>\n\n  <h2 id=\"question-5-heading\">5. Is our Group Retirement Savings Plan designed the way we would design it today?<\/h2>\n\n  <p><strong>Set once, then left alone. <\/strong>Many Group Retirement Savings Plans are set up once and then left largely unchanged. The company grows, the workforce changes, employee expectations shift, and the plan stays the same. In our experience, GRS plans tend to receive less attention than group benefits programs. Employers may review their benefits every year without asking whether their retirement plan\u2019s matching formula, eligibility rules or overall design still fit.<\/p>\n\n  <h3>How plan design drives participation<\/h3>\n\n  <p>Because joining the plan is often voluntary, <strong>plan design is one of the most important levers an employer has to encourage participation.<\/strong> The matching formula, the waiting period and who is eligible all shape whether employees join, how much they contribute and how much value they see in the plan. These are decisions you make on behalf of your employees, which makes them a money conversation worth having out loud. Ask:<\/p>\n\n  <ul class=\"immix-article__list\">\n    <li>When did we last review our plan design, and what has changed in our business since?<\/li>\n    <li>Is our employer matching formula still the right one for our goals and our budget? <\/li>\n    <li>Does our match encourage employees to save more, or only enough to get the match?<\/li>\n    <li>Does our waiting period keep new employees from starting to save?<\/li>\n    <li>Are all the employees we want in the plan eligible, including part-time and contract staff?<\/li>\n    <li>Does our investment lineup, including the default option, suit our workforce?<\/li>\n    <li>Is the plan still helping us attract and keep good people? <\/li>\n    <li>Are we competitive with similar employers?<\/li>\n  <\/ul>\n\n  <p class=\"immix-lens-question\"><strong>How Immix<\/strong><strong> Group<\/strong><strong> helps. <\/strong>At Immix, plan design is not a one-time setup. We work with employers to review their program regularly, explain the options in plain language, and help get employees engaged so the plan delivers the value you intended.<\/p>\n\n<\/section>\n\n<!-- CONCLUSION -->\n\n<section\n  class=\"immix-article__section immix-article__section--decision\"\n  id=\"keep-the-conversation-going\"\n  aria-labelledby=\"keep-the-conversation-going-heading\"\n  data-scrollmeta-section=\"keep-the-conversation-going\"\n  data-scrollmeta-role=\"closing-discussion\"\n>\n\n  <h2 id=\"keep-the-conversation-going-heading\">Keep the Conversation Going<\/h2>\n\n  <p>There is a reason FCAC has brought Talk Money back for another year. Its 2026 campaign continues to position conversation as a first step towards building financial confidence, reducing stigma and finding trustworthy help in an increasingly complex financial marketplace.<\/p>\n\n  <p>Understanding, fees, participation, planning and design: these are the conversations that help a group retirement savings plan deliver real value. For more resources, visit our <a href=\"https:\/\/www.immixgroup.ca\/group-savings-plans.php\">group savings plans page<\/a>, and talk to your Immix Group advisor about how we can help you and your employees Talk Money.<\/p>\n\n  <p class=\"immix-closing-line\"><strong>Financial literacy does not require having every answer. Sometimes, it starts with being comfortable enough to ask the question.<\/strong><\/p>\n\n<\/section>\n\n<!-- KEY TAKEAWAYS -->\n\n<section\n  class=\"immix-article__section immix-article__section--key-takeaways\"\n  id=\"key-takeaways\"\n  aria-labelledby=\"key-takeaways-heading\"\n  data-scrollmeta-section=\"key-takeaways\"\n  data-scrollmeta-role=\"summary\"\n>\n\n  <h2 id=\"key-takeaways-heading\">Key Takeaways<\/h2>\n\n  <ul class=\"immix-article__list immix-article__list--key-takeaways\">\n    <li>Offering a group retirement savings plan is only the first step. Employees need ongoing education and access to an advisor to understand and use it.<\/li>\n    <li>Ask what you are paying and what is included. Fees are often charged before the rate of return is applied, so the cost and the services behind it both matter.<\/li>\n    <li>Employer contributions are optimized when employees enroll and contribute enough to receive the full match.<\/li>\n    <li>Saving and planning are not the same thing. Help employees connect their workplace savings to a longer-term retirement picture.<\/li>\n    <li>Employers should know where to direct employees to receive qualified advice. <\/li>\n  <\/ul>\n\n<\/section>\n\n<!-- FREQUENTLY ASKED QUESTIONS -->\n\n<section\n  class=\"immix-article__section immix-article__section--faq\"\n  id=\"faqs\"\n  aria-labelledby=\"faqs-heading\"\n  data-scrollmeta-section=\"faqs\"\n  data-scrollmeta-role=\"faq-answer-surface\"\n>\n\n  <h2 id=\"faqs-heading\">FAQs<\/h2>\n\n  <div class=\"immix-faq-list\">\n\n    <section class=\"immix-faq-item\" data-scrollmeta-role=\"question-answer\">\n      <h3>What fees can employers expect with a Group RRSP or DPSP?<\/h3>\n      <p>Common fees include Investment Management Fees (IMFs), Operating Expenses (OEs), administration fees for certain transactions and advisor compensation fees. In a standard arrangement, fees are charged before the rate of return is applied.<\/p>\n    <\/section>\n\n    <section class=\"immix-faq-item\" data-scrollmeta-role=\"question-answer\">\n      <h3>What does a group retirement savings plan typically include beyond the investments?<\/h3>\n      <p>Typical plans include recordkeeping and day-to-day administration, online tools for payroll remittance and enrolment, sponsor reporting and an annual plan review, service support, a monitored investment lineup, member websites and apps, enrolment and education sessions, and support with governance and CAP Guideline responsibilities.<\/p>\n    <\/section>\n\n    <section class=\"immix-faq-item\" data-scrollmeta-role=\"question-answer\">\n      <h3>Why does employee participation matter?<\/h3>\n      <p>Where a plan includes employer matching, employees who do not enrol, or who contribute less than the match, leave part of their compensation on the table. Participation is one of the clearest signs of whether a plan is working, and your advisor should be able to show you who is enrolled, who is receiving the full match and where the gaps are.<\/p>\n    <\/section>\n\n    <section class=\"immix-faq-item\" data-scrollmeta-role=\"question-answer\">\n      <h3>What is the difference between saving and planning for retirement?<\/h3>\n      <p>Saving is contributing every pay period. Planning means understanding how much may be needed in retirement, how workplace savings fit with CPP, OAS and personal savings, who the named beneficiaries are, and what options exist if an employee leaves the company or retires.<\/p>\n    <\/section>\n\n    <section class=\"immix-faq-item\" data-scrollmeta-role=\"question-answer\">\n      <h3>Who should employers and employees ask when they have questions about the plan?<\/h3>\n      <p>Employers should be able to turn to their group retirement advisor for clear answers on fees, plan structure, competitiveness and employee engagement. Employees can ask Immix advisors about the workplace plan, and have access to financial advisors through Ciccone McKay for personal financial and investment questions, so HR is not left to provide personal financial advice.<\/p>\n    <\/section>\n\n  <\/div>\n<\/section>\n\n<!-- READ MORE -->\n\n<section\n  class=\"immix-article__section immix-article__section--read-more\"\n  id=\"read-more\"\n  aria-labelledby=\"read-more-heading\"\n  data-scrollmeta-section=\"read-more\"\n  data-scrollmeta-role=\"linked-reading\"\n>\n\n  <h2 id=\"read-more-heading\">Read More<\/h2>\n\n  <ul class=\"immix-read-more-list\">\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2026\/02\/01\/group-savings-plans\/\">Group Savings Plans: A More Tax-Efficient Way to Pay Employees<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2025\/01\/31\/key-rrsp-tips-for-employees-at-each-career-stage\/\">Key RRSP Tips for Employees at Each Career Stage<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/10\/31\/financial-well-being-valuable-resources-through-our-partnership-with-ciccone-mckay-financial-group\/\">Financial Well-being: Valuable Resources through our Partnership with Ciccone McKay Financial Group<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/02\/29\/three-reasons-to-implement-a-group-savings-plan\/\">Three Reasons to Implement a Group Savings Plan<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2022\/02\/11\/add-to-your-recruitment-and-retention-toolkit-with-a-group-savings-plan\/\">Add to Your Recruitment and Retention Toolkit with a Group Savings Plan<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2021\/11\/17\/3-action-steps-employers-can-take-to-reduce-employee-financial-stress-and-increase-financial-literacy\/\">3 Action Steps Employers Can Take to Reduce Employee Financial Stress and Increase Financial Literacy<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2020\/10\/01\/business-owners-how-to-design-the-best-group-savings-plan-for-your-company\/\">Business Owners: How to Design the Best Group Savings Plan for Your Company<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/immixgroup.ca\/blog\/2020\/02\/14\/this-might-just-be-the-right-time-for-you-to-implement-an-employee-group-savings-plan-heres-why-and-how\/\">This Might Just Be the Right Time to Implement an Employee Group Savings Plan: Here's Why and How<\/a><\/li>\n\n    <li><a class=\"immix-read-more-link\" href=\"https:\/\/www.wealthsimple.com\/en-ca\/business\/group-savings\" target=\"_blank\" rel=\"noopener noreferrer\">Group Plans | Wealthsimple Business<\/a><\/li>\n\n  <\/ul>\n<\/section>\n\n<\/article>\n\n<!-- ======================================================\n     IMMIX GROUP LOCKED EDITORIAL STYLE\n     SCOPED CSS | RESPONSIVE | ACCESSIBLE | PRINT FRIENDLY\n     ====================================================== -->\n\n<style id=\"immix-talk-money-locked-style-2026\">\n\n.immix-article--talk-money-2026 {\n  --im-ink: #12212b;\n  --im-body: #2f3f4b;\n  --im-muted: #647684;\n  --im-navy: #12345d;\n  --im-deep: #092a50;\n  --im-teal: #0f5e77;\n  --im-green: #69a63d;\n  --im-green-dark: #4f842e;\n  --im-line: #d9e5ec;\n  --im-sans: \"Helvetica Neue\", Helvetica, Arial, sans-serif;\n  --im-serif: \"Noto Serif\", Georgia, \"Times New Roman\", serif;\n\n  width: 100%;\n  max-width: 100%;\n  margin: 0;\n  padding: 0 0 clamp(40px, 6vw, 78px);\n  color: var(--im-body);\n  font: 400 18.5px\/1.78 var(--im-sans);\n\n  background:\n    radial-gradient(\n      circle at 7% 1%,\n      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#ffffff;\n  }\n\n}\n\n<\/style>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e838cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e838cf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a093576\" data-id=\"a093576\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e8b65fb elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"e8b65fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"960\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif\" class=\"attachment-large size-large wp-image-1957\" alt=\"Lindsay Byrka\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif 683w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-200x300.avif 200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-768x1152.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx.avif 1000w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-966aacb\" data-id=\"966aacb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d562dfe elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"d562dfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"cert\"><a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae<\/a> BA, BEd<\/span><\/h3><p>President, Immix Group: An Employee Benefits Company<br \/><strong>A<\/strong>\u00a0<a href=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2602.5699178039927!2d-123.12053598382099!3d49.28454617855886!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x54867181f97930d5%3A0x9797e526e8704198!2s888%20Dunsmuir%20St%20%23450%2C%20Vancouver%2C%20BC%20V6C%203K4!5e0!3m2!1sen!2sca!4v1583124389424!5m2!1sen!2sca\" target=\"new\" rel=\"noopener\">Suite 450 &#8211; 888 Dunsmuir St. Vancouver V6C 3K4<\/a><br \/><strong>O<\/strong>\u00a0 <a href=\"tel:6046885262\">604-688-5262<\/a><strong>\u00a0<\/strong><\/p><p><strong>E<\/strong>\u00a0<a href=\"mailto:lindsay@immixgroup.ca\">lindsay@immixgroup.ca<\/a><br \/><strong>W<\/strong>\u00a0<a href=\"http:\/\/www.immixgroup.ca\/\">www.immixgroup.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9f9ef3f 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class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a36c633 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a36c633\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8245663\" data-id=\"8245663\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3bbb636 elementor-widget elementor-widget-html\" data-id=\"3bbb636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!--\nIMMIX GROUP | AUTHOR TRUST BLOCK v4.0\nFINANCIAL LITERACY MONTH 2026\n\nArticle:\nTalk Money: 5 Questions Worth Asking About Your\nGroup Retirement Savings Plan\n\nCanonical URL:\nhttps:\/\/immixgroup.ca\/blog\/2026\/11\/01\/group-retirement-savings-plan\/\n\nPublication date: 2026-11-01\nAuthor: Lindsay Byrka, CFP\u00ae\nRole: President, Immix Group\n\nIMPLEMENTATION:\nReplace the previous author trust widget with this block.\nUse one separate Elementor HTML widget after Read More.\n\nLindsay's approved article text remains untouched.\nRank Math retains BlogPosting and canonical metadata control.\nNo duplicate Article or FAQ JSON-LD is added.\n-->\n\n<section\n  class=\"immix-author-talk-money-v4\"\n  id=\"immix-talk-money-author-trust\"\n  aria-labelledby=\"immix-author-talk-money-v4-title\"\n  aria-describedby=\"immix-author-talk-money-v4-summary\"\n  itemscope\n  itemtype=\"https:\/\/schema.org\/Person\"\n  data-scrollmeta-version=\"8.2-compatible\"\n  data-scrollmeta-section=\"author-trust-block\"\n  data-scrollmeta-content-role=\"author-trust|expertise-alignment|visible-person-identity\"\n  data-scrollmeta-article-title=\"Talk Money: 5 Questions Worth Asking About Your Group Retirement Savings Plan\"\n  data-scrollmeta-article-slug=\"group-retirement-savings-plan\"\n  data-scrollmeta-publication-date=\"2026-11-01\"\n  data-scrollmeta-publication-url=\"https:\/\/immixgroup.ca\/blog\/2026\/11\/01\/group-retirement-savings-plan\/\"\n  data-scrollmeta-article-topic=\"financial literacy|group retirement savings plans|Group RRSP|DPSP|plan fees|employer matching|employee participation|retirement planning|plan design\"\n  data-scrollmeta-person-entity=\"Lindsay Byrka\"\n  data-scrollmeta-author-credentials=\"CFP\u00ae\"\n  data-scrollmeta-author-title=\"President\"\n  data-scrollmeta-associated-organization=\"Immix Group\"\n  data-fervid-visible-machine-parity=\"required\"\n>\n\n  <meta itemprop=\"honorificSuffix\" content=\"CFP\u00ae\">\n  <meta itemprop=\"knowsAbout\" content=\"Canadian employee benefits\">\n  <meta itemprop=\"knowsAbout\" content=\"Group retirement savings plan design\">\n  <meta itemprop=\"knowsAbout\" content=\"Employee education and group savings plan support\">\n\n  <!-- SCROLLMETA AUTHOR INTELLIGENCE -->\n\n  <script\n    type=\"application\/json\"\n    id=\"immix-author-talk-money-scrollmeta-v4\"\n  >\n{\n  \"scrollmetaVersion\": \"8.2-compatible\",\n  \"blockId\": \"immix-author-lindsay-byrka-talk-money-2026\",\n  \"blockRole\": \"visible-author-trust-and-article-relevance\",\n\n  \"sourceBoundaries\": {\n    \"articleCopy\": \"approved-immutable-not-modified\",\n    \"authorBiography\": \"adapted-from-user-supplied-v3.2-author-block\",\n    \"allowedClaims\": \"visible-article-and-visible-author-block-only\",\n    \"noMachineOnlyClaims\": true,\n    \"noAutomatedReviewOrCitationPromise\": true\n  },\n\n  \"entityReferences\": {\n    \"personName\": \"Lindsay Byrka\",\n    \"officialTeamPage\": \"https:\/\/www.immixgroup.ca\/team.php\",\n    \"personLinkedIn\": \"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\",\n    \"organization\": \"https:\/\/www.immixgroup.ca\/\",\n    \"articleCanonical\": \"https:\/\/immixgroup.ca\/blog\/2026\/11\/01\/group-retirement-savings-plan\/\",\n    \"authorTrustAnchor\": \"https:\/\/immixgroup.ca\/blog\/2026\/11\/01\/group-retirement-savings-plan\/#immix-talk-money-author-trust\"\n  },\n\n  \"article\": {\n    \"visibleHeadline\": \"Talk Money: 5 Questions Worth Asking About Your Group Retirement Savings Plan\",\n    \"wordpressPermalinkSlug\": \"group-retirement-savings-plan\",\n    \"url\": \"https:\/\/immixgroup.ca\/blog\/2026\/11\/01\/group-retirement-savings-plan\/\",\n    \"publicationDate\": \"2026-11-01\",\n    \"publicationDateSource\": \"live-wordpress-datePublished\",\n    \"primaryIntent\": \"Help Canadian employers ask informed questions about their group retirement savings plan and employee financial literacy.\",\n\n    \"topicScopes\": [\n      \"Group RRSP and DPSP\",\n      \"employee understanding and education\",\n      \"investment and plan fees\",\n      \"employer matching and participation\",\n      \"retirement planning\",\n      \"plan design and employer review\"\n    ]\n  },\n\n  \"author\": {\n    \"name\": \"Lindsay Byrka\",\n    \"displayName\": \"Lindsay Byrka, CFP\u00ae\",\n    \"publicCredential\": \"CFP\u00ae\",\n    \"role\": \"President, Immix Group\",\n    \"industryExperienceSince\": 2004,\n    \"roleSource\": \"visible-live-byline-and-official-team-page\",\n    \"experienceSource\": \"visible-author-biography-provided-in-source\"\n  },\n\n  \"articleAlignment\": {\n    \"lens\": [\n      \"employee understanding\",\n      \"fees and value\",\n      \"employer contribution participation\",\n      \"retirement planning\",\n      \"current plan design\"\n    ],\n\n    \"groupSavingsScope\": [\n      \"group retirement savings plan\",\n      \"Group RRSP\",\n      \"DPSP\",\n      \"employee education\",\n      \"matching contributions\"\n    ],\n\n    \"doNotInfer\": [\n      \"personal investment suitability advice from Immix\",\n      \"legal or tax outcomes\",\n      \"unverified author qualifications\",\n      \"outcomes or performance guarantees\"\n    ]\n  },\n\n  \"visibleAnswers\": [\n    {\n      \"question\": \"Who wrote the November 2026 Talk Money group retirement savings article?\",\n      \"answer\": \"Lindsay Byrka, CFP\u00ae, President of Immix Group.\",\n      \"source\": \"visible-author-card\"\n    },\n    {\n      \"question\": \"What does the author discuss in this article?\",\n      \"answerSource\": \"visible-article-focus-paragraph-and-article-body\",\n      \"policy\": \"use visible wording only\"\n    }\n  ],\n\n  \"actions\": [\n    {\n      \"label\": \"Talk to Immix Group\",\n      \"url\": \"https:\/\/www.immixgroup.ca\/contact.php\",\n      \"intent\": \"employer-enquiry\"\n    },\n    {\n      \"label\": \"View Lindsay\u2019s LinkedIn profile\",\n      \"url\": \"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\",\n      \"intent\": \"author-profile\"\n    }\n  ],\n\n  \"publicationControl\": {\n    \"seoAndBlogPostingSchemaAuthority\": \"WordPress \/ Rank Math\",\n    \"standaloneBlogPostingOrFAQSchemaAdded\": false,\n    \"authorPersonMicrodataIncluded\": true,\n    \"requiresFinalThemeReview\": true,\n    \"userApprovalForPublication\": true\n  }\n}\n  <\/script>\n\n  <!-- AUTHOR CARD -->\n\n  <div class=\"immix-author-talk-money-v4__inner\">\n\n    <header class=\"immix-author-talk-money-v4__heading\">\n\n      <p class=\"immix-author-talk-money-v4__kicker\">\n        About the author\n      <\/p>\n\n      <h2\n        class=\"immix-author-talk-money-v4__name\"\n        id=\"immix-author-talk-money-v4-title\"\n      >\n        <span itemprop=\"name\">Lindsay Byrka<\/span>,\n        <span class=\"immix-author-talk-money-v4__credential\">\n          CFP<sup>&reg;<\/sup>\n        <\/span>\n      <\/h2>\n\n      <p\n        class=\"immix-author-talk-money-v4__title\"\n        id=\"immix-author-talk-money-v4-summary\"\n      >\n        <span itemprop=\"jobTitle\">President<\/span>,\n\n        <span\n          itemprop=\"worksFor\"\n          itemscope\n          itemtype=\"https:\/\/schema.org\/Organization\"\n        >\n          <span itemprop=\"name\">Immix Group<\/span>\n          <meta\n            itemprop=\"url\"\n            content=\"https:\/\/www.immixgroup.ca\/\"\n          >\n        <\/span>\n      <\/p>\n\n    <\/header>\n\n    <!-- AUTHOR BIOGRAPHY -->\n\n    <div\n      class=\"immix-author-talk-money-v4__text\"\n      itemprop=\"description\"\n    >\n\n      <p>\n        Lindsay Byrka, CFP<sup>&reg;<\/sup> is President of Immix Group.\n        Since beginning her career in the insurance and investment\n        planning industry in 2004, Lindsay has worked with business\n        owners, leadership teams and human resource personnel to\n        design, implement and manage employee benefit programs.\n      <\/p>\n\n      <p>\n        In this article, Lindsay examines five questions employers can\n        ask about their Group Retirement Savings Plan: whether\n        employees understand the program, what they are paying in\n        fees, whether employees are making the most of employer\n        contributions, how workplace savings fit into retirement\n        planning, and whether the plan design still suits today's\n        workforce.\n      <\/p>\n\n      <p>\n        Her work at Immix Group helps employers connect group savings\n        plan design, employee education, participation and ongoing\n        support so workplace savings programs can better serve their\n        intended purpose.\n      <\/p>\n\n    <\/div>\n\n    <!-- AUTHOR TRUST FACTS -->\n\n    <div\n      class=\"immix-author-talk-money-v4__facts\"\n      role=\"list\"\n      aria-label=\"Author trust information\"\n    >\n\n      <div\n        class=\"immix-author-talk-money-v4__fact\"\n        role=\"listitem\"\n      >\n        <span class=\"immix-author-talk-money-v4__label\">\n          Role\n        <\/span>\n        <span class=\"immix-author-talk-money-v4__value\">\n          President, Immix Group\n        <\/span>\n      <\/div>\n\n      <div\n        class=\"immix-author-talk-money-v4__fact\"\n        role=\"listitem\"\n      >\n        <span class=\"immix-author-talk-money-v4__label\">\n          Experience\n        <\/span>\n        <span class=\"immix-author-talk-money-v4__value\">\n          Insurance and investment planning industry since 2004\n        <\/span>\n      <\/div>\n\n      <div\n        class=\"immix-author-talk-money-v4__fact\"\n        role=\"listitem\"\n      >\n        <span class=\"immix-author-talk-money-v4__label\">\n          Article focus\n        <\/span>\n        <span class=\"immix-author-talk-money-v4__value\">\n          Group retirement savings and financial literacy\n        <\/span>\n      <\/div>\n\n    <\/div>\n\n    <!-- AUTHOR ACTIONS -->\n\n    <div\n      class=\"immix-author-talk-money-v4__actions\"\n      aria-label=\"Author and Immix Group links\"\n    >\n\n      <a class=\"immix-author-talk-money-v4__button\" href=\"https:\/\/www.immixgroup.ca\/contact.php\" data-scrollmeta-action=\"contact-immix-group\">\n        Talk to Immix Group\n      <\/a>\n\n      <a class=\"immix-author-talk-money-v4__profile-link\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener noreferrer\" itemprop=\"sameAs\">\n        View Lindsay&rsquo;s LinkedIn profile\n      <\/a>\n\n    <\/div>\n\n    <!-- INFORMATION BOUNDARY -->\n\n    <p class=\"immix-author-talk-money-v4__fineprint\">\n      General information only. Group retirement savings plan fees,\n      employer contributions, plan design and financial-planning\n      considerations should be reviewed in the context of your\n      specific program and circumstances. Seek appropriately\n      qualified professional advice for personal investment\n      or tax decisions.\n    <\/p>\n\n  <\/div>\n\n<\/section>\n\n<!-- =========================================================\nIMMIX GROUP | AUTHOR TRUST DESIGN SYSTEM v4.0\n\nPreserves:\n- Noto Serif editorial heading\n- Helvetica continuous-reading typography\n- Immix navy and green identity\n- Article-aligned content width\n- Accessible interaction states\n- Responsive trust facts\n- Mobile-friendly actions\n- Reduced-motion accessibility\n- Print presentation\n========================================================= -->\n\n<style id=\"immix-author-talk-money-v4-css\">\n\n.immix-author-talk-money-v4 {\n  --iah-font-sans: \"Helvetica Neue\", Helvetica, Arial, sans-serif;\n  --iah-font-serif: \"Noto Serif\", Georgia, \"Times New Roman\", serif;\n\n  --iah-ink: #12212b;\n  --iah-body: #2f3f4b;\n  --iah-muted: #647684;\n  --iah-line: #d9e5ec;\n  --iah-line-strong: #c5d5df;\n\n  --iah-navy: #12345d;\n  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}\n\n  .immix-author-talk-money-v4__name,\n  .immix-author-talk-money-v4__text p,\n  .immix-author-talk-money-v4__value,\n  .immix-author-talk-money-v4__fineprint {\n    color: #000000 !important;\n  }\n\n  .immix-author-talk-money-v4\n  a.immix-author-talk-money-v4__button {\n    border: 1px solid #000000 !important;\n    background: #ffffff !important;\n    box-shadow: none !important;\n    color: #000000 !important;\n  }\n\n}\n\n<\/style>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd35808 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd35808\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ae16a3\" data-id=\"7ae16a3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fecae8d elementor-post-navigation-borders-yes elementor-widget elementor-widget-post-navigation\" data-id=\"fecae8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\" role=\"navigation\" aria-label=\"Post Navigation\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2026\/09\/30\/is-your-employee-benefits-plan-still-working-for-your-business\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><i aria-hidden=\"true\" class=\"fas fa-angle-left\"><\/i><span class=\"elementor-screen-only\">Prev<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Previous<\/span><span class=\"post-navigation__prev--title\">Is Your Employee Benefits Plan Still Working for Your Business?<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation__separator-wrapper\">\n\t\t\t\t\t<div class=\"elementor-post-navigation__separator\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-510f558 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"510f558\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-748ce50\" data-id=\"748ce50\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-664cc69 elementor-widget elementor-widget-heading\" data-id=\"664cc69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Latest Insights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bcb1dca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bcb1dca\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8f6256\" data-id=\"d8f6256\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e49662 elementor-grid-1 elementor-posts--thumbnail-none elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"4e49662\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;1&quot;,&quot;pagination_type&quot;:&quot;numbers_and_prev_next&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1543 post type-post status-publish format-standard has-post-thumbnail hentry category-emloyee-benefits category-employee-benefits-plans category-employee-group-savings-plan tag-benefits-customization tag-broker-managed-benefits-pool tag-cost-containment-strategies tag-employee-benefits tag-employee-financial-health tag-employee-well-being tag-employer-sponsored-benefits tag-financial-education tag-financial-literacy tag-financial-literacy-workshops tag-financial-wellness tag-group-benefits-plans tag-group-savings-programs tag-immix-group tag-innovative-benefits-pricing tag-tailored-benefits-solutions tag-vancouver-employee-benefits tag-workforce-productivity tag-workplace-financial-health\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\">\n\t\t\t\tYour One-Stop Guide: Exploring Key Themes in Employee Benefits\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>A Guide to Immix Insights Articles Are you wondering what we\u2019ve been writing about? Perhaps you haven\u2019t had time to read the articles, but you\u2019re hoping to gain some information<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\" aria-label=\"Read more about Your One-Stop Guide: Exploring Key Themes in Employee Benefits\" tabindex=\"-1\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tDecember 1, 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"4\" data-next-page=\"https:\/\/immixgroup.ca\/blog\/?e-page-4e49662=2\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span class=\"page-numbers prev\">&laquo; Previous<\/span>\n<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2254\/?e-page-4e49662=2\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2254\/?e-page-4e49662=3\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2254\/?e-page-4e49662=4\"><span class=\"elementor-screen-only\">Page<\/span>4<\/a>\n<a class=\"page-numbers next\" href=\"https:\/\/immixgroup.ca\/blog\/?e-page-4e49662=2\">Next &raquo;<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Talk Money: 5 Questions Worth Asking About Your Group Retirement Savings Plan Financial Literacy Month | November 2026 By Lindsay Byrka, CFP\u00ae President, Immix Group November is Financial Literacy Month, and for the second year in a row, the Financial Consumer Agency of Canada (FCAC) is encouraging Canadians to \u201cTalk Money.\u201d The 2026 campaign builds [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2258,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,20,388],"tags":[235,50,394,389,391,393,390,233,232,112,392],"class_list":["post-2254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-group-savings-plans","category-financial-literacy","category-group-retirement-savings-plan","tag-dpsp","tag-employee-financial-wellness","tag-employee-participation","tag-employer-rrsp-matching","tag-financial-literacy-month","tag-group-retirement-plan-fees","tag-group-retirement-savings-plan","tag-group-rrsp","tag-group-savings-plans","tag-retirement-planning-canada","tag-talk-money"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2254","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=2254"}],"version-history":[{"count":14,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2254\/revisions"}],"predecessor-version":[{"id":2272,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2254\/revisions\/2272"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/2258"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=2254"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=2254"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=2254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}