RocheBanyan is a financial planning firm that specializes in dealing with clients who have a pension plan. We have a unique knowledge of your pension plan and how to integrate your retirement planning to include both your pension income and your investment income together. Our goal is to provide our clients with both professional advice and quality service.

RocheBanyan is a branch of mutual fund dealer Independent Planning Group (IPG), based in Ottawa. IPG is a member of the mutual fund dealers association (MFDA) which regulates its activities.

Since 1996, RocheBanyan has been delivering the pension/financial portion of the pre-retirement seminars offered by The Retirement Planning Institute (RPI).

The Retirement Planning Institute is the largest provider of pre-retirement seminars to the Federal Public Service and other public sector employers. In 2005 alone, the Retirement Planning Institute has delivered more than 300 pre-retirement seminars accross Canada. To learn more about the Retirement Planning Institute or to attend one of their pre-retirement seminars, visit their website at www.rpi-ipr.com.

To support their pension plan advice, RocheBanyan planners have direct access to the expertise of the pension and actuarial consulting firm of Welton Parent Inc..

Welton Parent Inc. expertise is particularly strong with respect to the Public Service Superannuantion Act (PSSA). The PSSA is the legislation enabling the pension plan for Federal Public servants. WPI is the only firm in Canada providing third-party PSSA administration services to the Royal Canadian Mint and Defence Construction Canada.

Over the years, with its broad exposure to a multitude of individual pension situations, RocheBanyan has developed an expertise in dealing with pension portability issues arising when an individual changes employer. These pension portability issues are complex from both a pension and tax perspective because they are unique to each individual situation along with the possible combination of pension plans that are involved.

If you are considering a change in employment, it is important to assess the implications of this change on your ultimate pension entitlements. It is best to be informed before or immediately after the change in employment to ensure that you maximize your pension entitlements and do not miss any time sensitive opportunities.