At RIS, we take the time to work with small business owners to build plans that have the same advantages as bigger companies - and more.

THE FIRST STEP WE TAKE IS TO UNDERSTAND YOUR CONCERNS AND PRIORITIES.

And, we'll give you as much time as you need. Our experts will meet with you to discuss your needs, answer your questions and educate you about the options available to you as a small business owner.

Over the years, we've learned that many of our clients who run small businesses – either on their own, or with just a few employees – have three primary concerns:

  • The efficiency of using the Medical Tax Credit;
  • Whether their spending on medical expenses is the most effective way possible; or
  • If there are benefits options in the market that they are eligible for, but are unaware of.

We'll start the process by talking you through these considerations, and answering any 'top of mind' questions you may have.

THEN WE REVIEW OTHER ISSUES COMMON TO SMALLER COMPANIES LIKE YOURS.

Small business owners – particularly those who are owner-operators – have unique needs which are very different from larger companies.

For instance, you may be concerned that a sudden injury or illness will interfere with your ability to work. Or, you may want to have coverage that ensures your family will be left financially secure in the event of a sudden death. Maybe it's just a matter of maximizing your limited resources and using them in the most efficient manner.

We'll bring all our experience to the table to help us understand both the goals you have for your benefits plan, and how those goals integrate with your personal and business finances.

Then, we'll work with you to create a strategy that works best with your entire financial picture!

WE'LL CONSIDER ALL THE OPTIONS, INCLUDING A HEALTH CARE SPENDING ACCOUNT.

A Health Care Spending Account (HCSA) is often an ideal option for small business owners. In addition, there is the option of customizing the owner's benefits plan differently from that of the company's employees. If you so choose, we'll also consider your needs differently than your employees, so you can benefit from the fruits of your labour with more or different coverage.

We'll investigate integrating an HCSA into your benefits plan in a tax-efficient manner and use our ability to negotiate with service providers from a position of strength, to make sure that you have access to the maximum possible benefits in return for your expenditure.

AFTER CARE, FOR AFTER YOUR PLAN IS BUILT.

When you work with us, you'll have peace of mind that we'll always be there for you. Whether your company is growing and has expanded needs, or there's been a shift in priorities, we're there with you, every step of the way.