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