APCI (Aucoin Pension Consultants Inc.) was founded in Dieppe in March 1999 by Reg Aucoin to provide service to defined contribution pension plan and group RRSP administrators, retirement committees, and the plan members.
In February 2016 Carl Victor joined APCI and in November of 2017 succeeded Reg to become President and owner of APCI. Reg remains with APCI as a consultant and specialist in the field of group saving plans.
At APCI we use our proprietary evaluation process to help employers choose a service provider, we oversee the governance and stewardship of the plan, and most importantly we guide the plan members in making the right decisions for a prosperous future.
Whith the vast selection of options that are available today, employers can choose the plan or a combination of plans that best suits their needs.
We guide the employer and/or the retirement committee through an extensive evaluation process to build their ideal plan.
An RPP is a retirement plan for employees set up by an employer. Within certain limits it provides tax advantages because contributions are tax-deductible and investment income isn’t taxed until it’s paid out of the plan.
An RRSP is a registered savings plan with the federal government. It has advantages because you don’t pay tax on investment income until you withdraw from the plan and your contributions are tax-deductible.
A DPSP is set up by an employer to share profits with employees. The combination of Group RRSP/DPSP is quickly becoming the vehicle of choice for company group savings plans.
A TFSA is not a traditional savings account. It’s a plan that can help you save for a large purchase or supplement your retirement savings plan. Your contributions also grow tax-free.
An NRSP allows you to set aside additional savings for retirement if you max out your RRSP, TFSA or pension plan.
A RRIF is a flexible income option to generate income from an RRSP. It continues to invest any savings not withdrawn as income.
A LIF or LRIF is a flexible income option for people who have savings from pension plans, locked-in RRSPs or locked-in retirement accounts.
With an annuity, you’ll receive a guaranteed income for life in return for a one-time, lump-sum payment. The monthly amount received depends on varying factors.
