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Jason’s latest article dives into FSRA’s 2024 report. The trend is clear: scale wins. DB pensions aren’t disappearing—they’re evolving. The real question: what form will they take next?

Ontario’s new Target Benefit MEPP Framework took effect on January 1, 2025. While it marks progress, FSRA’s guidance on the Provision for Adverse Deviation (PfAD) leaves too much uncertainty for plan administrators. With no clear benchmarks, TBPs face tough questions: • How big should the PfAD be? • What will FSRA later deem “reasonable”? • Could inconsistent approaches put members at risk? This is a critical issue for MEPPs, trustees, and members alike—and the clock is already ticking. Read Dean's full article and comment your thoughts.

Retirement isn’t what it used to be. For many, the promise of kicking back at 65 with a steady pension feels more like a fantasy than a plan. Joe has spent years wrestling with the idea of retirement. New data from HOOPP shows Canadians are struggling to save, wages aren’t keeping up, and homeownership (once a retirement cornerstone) is a shaky bet at best.

Trustees oversee multiemployer plans—critical work that demands time, expertise, and fiduciary care. But should they be compensated? Jason explores the debate in his latest article: Does pay attract better talent or shift motivations? Is it fair to expect unpaid volunteerism? No easy answers, but a conversation worth having. What’s your take?

Six years ago, Jason shared insights on the upcoming Canada Pension Plan (CPP) enhancements, back when 2025 felt like the distant future. Well, the future is now! After a gradual six-year phase-in, the CPP enhancements are fully in effect, marking a major milestone for retirement savings in Canada. It’s a great time for employers and employees alike to revisit what these changes mean for long-term financial planning. Read Jason's 2018 take: https://lnkd.in/gn3jjhWt

Ontario’s teachers can retire when their age plus years of service equal 85. But is this pension model sustainable? Back in 2017, Joe explored the numbers; as it turns out, the plan is well-run but taking bigger risks. Younger teachers pay more for less security, while taxpayers split the bill 50/50. And with lifespans rising, should retirement at 55 still be the norm? A fascinating read on who bears the risk and whether the system is fair: https://lnkd.in/gGtnBawq