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Our experts in group annuity plans are ready to help

Antonelli et Morel understands the reality and the needs of companies wishing to ensure sustainable and effective retirement plans for their employees by working with industry experts.

Our experts will help you in all aspects of your retirement plan in order to achieve compliancy and desired objectives.

The advantages

For the Employer:


Employee Retention:

Offering a comprehensive retirement plan to your employees helps you differentiate your company from the competition and enhance employee retention.


Fiscal optimization:

Employer contributions are a great way to increase compensation while reducing payroll taxes.

For the Employee:


Tax savings and sheltered accumulations:

An annuity plan takes pre tax dollars which enables the employees to defer income tax on their returns while accumulating funds at a much faster rate. These returns will be taxed only at withdrawal. It is proven that withholding money directly from an employees’ pay check will help them reach financial security for retirement.


Competitive management fees:

Management fees are usually lower than regular funds offered through banks for individual investors. An annuity plan will also allow access to leading investing managers that would usually not be available on an individual basis.


Tax-sheltered accumulation on investments:

The amount invested will accumulate while deferring the income tax until the withdrawal of funds.


Employer contribution

An employer’s contribution helps accelerate the growth of accumulated funds within a retirement plan.

Custom products and services

Defined contribution plans:

  • Simplified Pension Plan (SPP)
  • Group Registered Retirement Savings Plan (RRSP)
  • Tax Free Savings Account (TFSA)
  • Registered Pension Plan (RPP)
  • Deferred Profit Sharing Plan (DPSP)
  • VRSP – Voluntary Retirement Savings Plan

Defined benefit pension plans:

  • Registered Pension Plan (RPP)
  • Top Up Plan
Our offer
Our testimonies
« Antonelli & Morel have been providing our organization innovative employee benefit solutions for over 15 years. Their ongoing service commitment allows us the peace of mind to focus more effectively on other areas of our business. »
Rosaria Abreu
Vice President of Finance and Administration
Invera Inc
« We have been doing business with Antonelli & Morel for more than 10 years now. Their team of experienced professionals has provided us with outstanding service year after year. They have adapted a group insurance plan that perfectly matches our employees’ needs. »
Glenn Watt
Tenaquip Limited