Retirement Compliance

Retirement Compliance for the Capital Accumulation Plan (or CAP) Guidelines

The Capital Accumulation Plan (or CAP) Guidelines were created by the Joint Forum of Financial Market Regulators in May of 2004. The CAP Guidelines are applicable to defined contribution components of registered pension plans, or group RRSP or Profit Sharing Plans, where members are permitted to make investment decisions among two or more options.  While the guidelines are viewed as voluntary guidelines, it was recommended back in 2004 by the Joint Forum that all organizations that have CAP components will operate in accordance with the CAP Guidelines by December 31, 2005.

Do you know if you are CAP compliant?

We understand the challenges companies are faced with trying to ensure their organization complies with the CAP Guidelines. Our independent assessment tool has three objectives:


If you would like your organization to be on the Path to CAP Compliance, please contact us for a free initial consultation.