Membership Importance


Canadians generally receive retirement income from three sources – government administered pension programs, employer-sponsored retirement savings plans and personal savings.

There has been increasing responsibility on individuals to save for their retirement. However, the high rate of personal income taxes together with tax sheltering constraints by the federal government, have reduced the amount individuals are able to put aside for retirement. Becoming a member of a pension plan is encouraged so that you will have an additional source of income at retirement.