Registered Plan Trust Services
Responsive. Innovative. Established. A new approach to tradition.
Since 1992, we have been dedicated to the registered plan trust needs of Canada’s fund managers, fund dealers and brokerage service providers which offer registered plans to their customers. Today, we are one of the industry’s leading registered plan trustees, acting for a full range of registered, tax-deferred savings products and plans, including –
- Retirement Savings Plans (RSPs)
- Retirement Income Funds (RIFs)
- Life Income Funds (LIFs)
- Locked-in Retirement Accounts (LIRAs)
- Locked-in Retirement Income Funds (LRIFs)
- Education Savings Plans (ESPs)
We currently serve as registered savings plan trustee for over five million individual registered plan holders in Canada.
Our Registered Plan Trust Services include –
- Filing the RSP/RIF draft application and Declaration of Trust with the Canada Revenue Agency for approval
- Filing the ESP draft application, along with the terms and conditions, with the Canada Revenue Agency for approval
- Filing LIRA/LIF/LRIF addenda with provincial pension commissions, if necessary
- Registering specimen plans with the Canada Revenue Agency
- Obtaining approval of locked-in plans from provincial pension commissions, if necessary
- Providing your team with information regarding legislative requirements and changes
- Providing pre-approved standard documents such as Declarations of Trust, Locked-in Addenda, and ESP Terms and Conditions
- Entering into an agency relationship by way of an agency agreement and performing initial document review
- Setting up trust accounts for uninvested cash
- Forwarding interest payments on uninvested cash (paid monthly) to you
- Undertaking periodic reviews of plan administration
Competitive fees
We specialize in the role of registered plan trustee, maintaining a streamlined operation and providing exceptional value.
Web access
We provide secure, password-protected access to information you need 24 hours a day, seven days a week.
Regular reviews to keep operations focused
We undertake periodic reviews to ensure that our clients continue to perform their delegated duties and comply with all applicable regulations. We also encourage regular reviews to identify opportunities for improved efficiency and customer satisfaction.
For more information on our Registered Plan Trust Services, email or call Trevor Davids at (416) 982-3120. Or contact a Relationship Manager at the Commercial Banking Centre nearest you.
TD Canada Trust Registered Plan Trust Services represents the Registered Plan Trust Services offered by The Canada Trust Company.
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