August 15, 2025
For many founders, a benefits plan feels like something you can “set and forget.” The premiums get paid, claims are processed, and on the surface, everything […]
The Pelorus Blog
November Edition
Stay ahead—expert insights on benefits, insurance, and retirement strategies.
Editor's picks
The Hidden Risks in Your Group Benefits Plan (And How to Fix Them)
For many founders, a benefits plan feels like something you can “set and forget.” The premiums get paid, claims are processed, and on the surface, everything
Planning to Exit? Start with Your Executive Benefits Strategy
For many business owners, succession planning is one of the most important—and often most delayed—steps in the life of a company. The focus is usually on
How the OAS Clawback Works — And How to Avoid It
Are you approaching retirement and worried about losing part of your Old Age Security (OAS) benefits? With rising retirement income from RRSPs, pensions, and dividends, many
The Hidden Risks in Your Group Benefits Plan (And How to Fix Them)
For many founders, a benefits plan feels like something you can “set and forget.” The premiums get paid, claims are processed, and on the surface, everything […]
Planning to Exit? Start with Your Executive Benefits Strategy
For many business owners, succession planning is one of the most important—and often most delayed—steps in the life of a company. The focus is usually on […]
How the OAS Clawback Works — And How to Avoid It
Are you approaching retirement and worried about losing part of your Old Age Security (OAS) benefits? With rising retirement income from RRSPs, pensions, and dividends, many […]
August 15, 2025
For many founders, a benefits plan feels like something you can “set and forget.” The premiums get paid, claims are processed, and on the surface, everything […]
The Hidden Risks in Your Group Benefits Plan (And How to Fix Them)
For many founders, a benefits plan feels like something you can “set and forget.” The premiums get paid, claims are processed, and on the surface, everything
Why Benchmarking Your Employee Benefits Isn’t Optional in 2025
If you’re heading into your next benefits renewal without benchmarking, you’re missing the full picture — and it could be costing you. In 2025, a group
What Every Canadian Business Owner Needs to Know About Group Benefits in 2025
For Canadian business owners, group benefits are no longer just a cost of doing business — they’re a critical piece of your employee value proposition. But
April 28, 2025
Prescription drugs. Dental. Physio. Your group benefits plan might look complete — but look closer, and you may think again.
How to Make A Difference With Your Benefits Program
Prescription drugs. Dental. Physio. Your group benefits plan might look complete — but look closer, and you may think again.
July 15, 2025
Are you approaching retirement and worried about losing part of your Old Age Security (OAS) benefits? With rising retirement income from RRSPs, pensions, and dividends, many […]
How the OAS Clawback Works — And How to Avoid It
Are you approaching retirement and worried about losing part of your Old Age Security (OAS) benefits? With rising retirement income from RRSPs, pensions, and dividends, many
Is Pension Income-Splitting Available for Year of Death?
In Canada, while many tax credits and benefits are available based on family income, a graduated tax bracket system applies to the individual when taxing income.
Death of an RRSP/RRIF Annuitant – Do tax-deferred rollovers make sense?
When an RRSP 1 or RRIF annuitant dies, the deceased is normally required to include the full value of the plan in income for the year
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