Retirement compensation arrangements

Trust and estate services

Attract, retain and reward key employees who support your organization—including yourself—with an enhanced retirement plan.

You count on your executives and key employees to help your organization succeed. As their talent and efforts support the business, you can help support and enhance their retirement savings.

A retirement compensation arrangement (RCA) is a non-registered plan designed to provide supplementary retirement benefits to employees. If you’re an employer looking to attract, retain or reward employees or a small- to large-sized business owner, you can use RCAs to:

  • Provide employees with additional retirement income beyond their allowable contributions
  • Offer supplemental pension benefits to employees
  • Help with estate planning

Our RCA services

At RBC Royal Trust, we have in-depth knowledge and expertise in establishing and administering RCAs for clients ranging from individual business owners to employers from multinational firms. We provide you with:

  • Expert guidance and support to establish and administer single-member or multi-member RCAs
  • A strong focus on relationships and commitment to client education—whether you’re a plan sponsor or member
  • Comprehensive RCA custody and trustee services as well as ongoing administration
  • Complementary services—such as investment management through our RBC partners—to help streamline and simplify your responsibilities
  • Technical and tax support

Let us guide you


Contact one of our skilled RBC Royal Trust professionals to find out more about the right services for you.

Our insights

Planning for your final years helps you and your children adjust with a little less guilt

Retirement 5 minute read
– Planning for your final years helps you and your children adjust with a little less guilt

Video: The Wealthy Barber on the benefits of hiring a professional executor

Estate planning 3 minute watch
– Video: The Wealthy Barber on the benefits of hiring a professional executor

Video: Does your executor have financial skills? Why the Wealthy Barber thinks they should

Estate planning 2 minute watch
– Video: Does your executor have financial skills? Why the Wealthy Barber thinks they should