Retirement Compensation Arrangements (RCA)

In the right circumstances, a Retirement Compensation Arrangement, or RCA, could save you income taxes. RCA's are designed to provide supplemental pension benefits for senior executives and owner-managers, and are also used to provide pension benefits to an employee, or an employee group, in situations where a company does not have a registered pension plan in place.

The rules related to the operation of an RCA are less rigorous than the rules related to the operation of a registered pension plan. As such, RCA's are extremely flexible and can provide an employer with a wide range of alternatives related to employee participation, funding methods and timing of benefits.


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