CBPP

What CBPP does

CBPP, operating under the legal name Canada's Best Pension Plan Ltd., is a privately held independent insurance agent and consulting firm founded in 2016 and headquartered in Vancouver, British Columbia, with a second office in Victoria. The firm specializes in group retirement plan services for Canadian organizations, with core offerings spanning Group RRSP management, Defined Contribution (DC) pension plan consulting, and Tax-Free Savings Account (TFSA) services. CBPP positions itself as a specialist rather than a general insurance broker, targeting business owners, CFOs, and HR leaders — frequently at organizations that have experienced disruption with their prior plan agent (retirements, mergers, departures, poor performance, or unresponsive service).

CBPP's service delivery is anchored by its proprietary 'Wealth at Work 5' methodology, a five-discipline framework covering plan design (Design Filter), continuous investment fee optimization (Fee Optimizer), employee education and communication (Employee Booster, including the weekly re:money newsletter distributed to thousands of plan members), Capital Accumulation Plan compliance (Compliance Elevator), and HR/payroll integration for talent attraction and retention (Organization Accelerator). The firm follows FP Canada Standards of Professional Responsibility as a stated professional benchmark. Underlying technology consists of member portal integrations with five major Canadian group retirement carriers — Sun Life Financial, Manulife, and Canada Life as preferred partners, and iA Financial Group and Common Wealth as supporting providers — rather than a proprietary technology platform.

The business model is commission-based, with CBPP earning transaction fees from insurance carriers on new plan placements and ongoing plan management. Go-to-market is direct enterprise field sales targeting Western Canadian employers, supported by a website, LinkedIn presence, the re:money email newsletter, and client referrals. The firm self-describes as Western Canada's largest independent agent for group retirement plans, reflecting regional consolidation since its 2016 launch. Headcount is reported at 1–10 employees, consistent with a boutique advisory operation.

Name

CBPP

Legal name

Canada's Best Pension Plan Ltd.

Website

https://cbpp.ca

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

CBPP (Canada's Best Pension Plan Ltd.) is a Vancouver-based independent insurance agent and consulting firm that designs, manages, and optimizes group RRSP, DC pension, and TFSA plans for Western Canadian employers through its proprietary Wealth at Work 5 methodology and five carrier partnerships.

Ownership category

akta.pro rank

Product category

Group Retirement Plan Consulting

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

akta.pro secondary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Group retirement plans
• Pension consulting
• Group RRSP services
• DC pension management
• Employee benefits consulting

Headquarters

HQ city

Vancouver

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Commission from Plan Providers: CBPP operates as an independent insurance agent/broker earning commissions from insurance carriers (Sun Life Financial, Manulife, Canada Life, iA Financial Group, Common Wealth) for placing and managing group retirement plans. Revenue is earned on new plan installations and ongoing plan management.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CBPP is an independent insurance agent and consulting firm that designs, installs, and manages group retirement plans (Group RRSPs, Defined Contribution Pension Plans, and group TFSAs) for Canadian organizations. Acting as an appointed agent for major Canadian insurance carriers (Sun Life, Manulife, Canada Life, iA Financial, Common Wealth), CBPP delivers specialized retirement plan consulting built around its proprietary Wealth at Work 5 five-discipline methodology covering plan design, fee optimization, employee education, compliance, and talent strategy.

Product overview

CBPP offers a unified consulting service for group retirement plans, combining four core service offerings—Group RRSP Management, DC Pension Plan Management, TFSA Services, and the proprietary Wealth at Work 5 Process—alongside employee education tools like the re:money newsletter. The Wealth at Work 5 methodology serves as the operational framework that integrates plan design, fee optimization, employee communication, compliance management, and organizational talent strategy into a single coordinated approach for managing group retirement benefits.

Differentiator

Problem solved

Functional benefit

Products and services

• Group RRSP Management

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature1 record

Partnerships

Five partnerships are on record, tiered core and supporting.

• Sun Life FinancialcoreChannel Partner/ Reseller/ DistributorSun Life Financial is CBPP's preferred partner for group retirement services. CBPP acts as an appointed agent selling Sun Life's group retirement products and provides ongoing plan management services to clients using the Sun Life platform.
• ManulifecoreChannel Partner/ Reseller/ DistributorManulife (Manulife Investment Management) is CBPP's preferred partner for group retirement services. CBPP acts as an appointed agent selling Manulife's group retirement products and provides ongoing plan management services to clients using the Manulife platform.
• Canada LifecoreChannel Partner/ Reseller/ DistributorCanada Life Assurance Company is CBPP's preferred partner for group retirement services. CBPP acts as an appointed agent selling Canada Life's group retirement products and provides ongoing plan management services to clients using the Canada Life platform.
• iA Financial GroupsupportingChannel Partner/ Reseller/ DistributoriA Financial Group is a plan provider available through CBPP's member support page. CBPP provides client support access for iA's group retirement services including the 'My Client Space' online portal.
• Common WealthsupportingChannel Partner/ Reseller/ DistributorCommon Wealth is a plan provider available through CBPP's member support page. CBPP provides client support access for Common Wealth's group retirement platform including the online sign-in portal.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Marsh Canada (Marsh McLennan): Large Canadian insurance brokerage and risk advisory arm of Marsh McLennan offering group benefits consulting; broad incumbent competing for enterprise retirement plan mandates.
• iA Financial Group: Canadian insurer and wealth manager with group retirement plan capabilities; functions as both a CBPP distribution partner and a competing provider for Canadian employer-sponsored retirement plans.
• NFP (Canada): North American insurance brokerage and consulting firm (now part of Aon) with Canadian operations in group benefits and retirement consulting; relevant incumbent competitor for mid-market Canadian retirement plan mandates.
• Arthur J. Gallagher & Co. (Canada): Global insurance brokerage and risk management firm with Canadian operations providing employee benefits consulting including group retirement; competes at the mid-market and enterprise level across Canada.
• Hub International: Large North American insurance brokerage with Canadian operations offering group benefits and retirement solutions; broad incumbent that competes for the same Canadian employer clients with broader product lines.
• Manulife (Group Retirement): One of CBPP's preferred carrier partners and a top-tier Canadian group retirement provider; comparable as both a channel partner and a competitor with direct sales capabilities for group plans.
• Sun Life Financial (Group Retirement Services): One of CBPP's preferred carrier partners and a major Canadian group retirement plan provider with its own direct sales force; comparable as both a distribution partner and a competitor for direct employer relationships.

Direct peers

• People Corporation: Canadian provider of group benefits, retirement, and HR consulting solutions to mid-market employers; directly comparable in offering group retirement plan consulting and benefits intermediation in the Canadian market.
• CapriCMW Insurance Services: Western Canadian independent insurance brokerage offering commercial and group benefits advisory; directly comparable as a regional independent broker competing for similar mid-market employer clients in BC/AB.
• Morneau Shepell (now TELUS Health): Major Canadian group benefits and pension consulting firm (acquired by TELUS Health); directly comparable in providing retirement and benefits advisory to Canadian employers, though at much larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cbpp

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CBPP