{"id":10034,"date":"2023-06-20T20:51:18","date_gmt":"2023-06-20T18:51:18","guid":{"rendered":"http:\/\/rbagroupefinancier.com\/rrsppn-regime-des-rentes-dela-securite-publique-des-premieres-nations\/"},"modified":"2025-10-15T15:32:27","modified_gmt":"2025-10-15T13:32:27","slug":"fnpspp-first-nations-public-security-pension-plan","status":"publish","type":"page","link":"https:\/\/rbagroupefinancier.com\/en\/fnpspp-first-nations-public-security-pension-plan\/","title":{"rendered":"FNPSPP – First Nations Public Security Pension Plan"},"content":{"rendered":"\t\t
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FIRST NATIONS
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FIRST NATIONS
\nPUBLIC SECURITY
\nPENSION PLAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\"Administer a defined benefit retirement<\/strong> plan designed for First Nations employers and their employees through a successful organization owned by them.<\/strong>\"<\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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RBA Financial Group is the First Nations Public Security Pension Plan (FNPSPP) sponsor<\/strong>, a defined benefit pension plan. The Plan is made available to First Nations employers who wish to offer an advantageous savings pension plan to their employees. They are multi-employer plans, meaning multiple employers contribute to the same plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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A retirement plan for
\npublic safety workers<\/p>\t\t\t\t<\/div>\n\t\t\t\t

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The FNPSPP<\/strong> is a pension plan exclusively offered to employers in the public safety domain<\/strong>. Around 15 band councils grouped to offer their police departments a pension plan adapted to their needs. The assets of the FNPSPP are managed by a Master Trust comprised of joint assets from the NBP and the FNPSPP. Members of this plan profit from the security and return of a major Aboriginal pension fund<\/strong>, established over 40 years ago.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tANNUAL REPORT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tAPPENDICES<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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What is a defined <\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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benefit pension plan?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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It is a plan that provides a retirement income to participants<\/strong>, calculated following a specific formula based on their years of participation and their average best salaries. Employers and employees alike pay premiums to finance the pension benefits.<\/p>

This type of plan brings peace of mind and contributes to the participants\u2019 financial security by providing:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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  • A monthly pension payable until death<\/li>
  • Protection against inflation<\/li>
  • Protection in case of disability<\/li>
  • A pension for spouses in case of death<\/li>
  • Options for transfer out of the plan in the event of termination of employment before retirement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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    In a defined benefit plan, participants are guaranteed to receive their pension amount calculated from the formula and that regardless of the capital markets<\/strong>. Moreover, the risk of exhausting all savings before death (longevity risk) or the risk of negative investment performance is divided between all the employers and participants, whilst in other type of retirement savings plans, those risks fall solely on the participant. Additionally, the pooling of premiums allows for a better portfolio diversification<\/strong> and allows for investment vehicles otherwise inaccessible for individuals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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    RETIREMENT OFFICE<\/span><\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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    The RBA Financial Group has a Retirement Office dedicated to the administration of the defined benefit pension plans that are the NBP and the FNPSPP. The teams\u2019 mandate is to manage and administer the benefits of said plans, as well as ensuring compliance with the surrounding laws and regulations<\/strong>. This team provides all important information regarding the plans to employers and participants, while also supporting and guiding the Retirement Committees in various mandates and decisions.<\/p>

    Here are the main services offered by our team:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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    \n\t\t\t\t\t\tSupport and guidance for employers\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tGroup information sessions for participants at their workplaces\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tPersonalized individual meetings for participants\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tParticipant customer service\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tSecured access for participants, employers and members of the Retirement Committee\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tBenefit calculations (annuity, benefits value in the event of termination of employment or death, pension buyback, transfer agreement, etc.)\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tProduction and mailing of annual statements to participants\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tUpholding of data bases\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tCustomized management software developed exclusively for the management of our pension plans\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tVarious annuity and benefits payment adapted to the particularities of Aboriginal peoples\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    \n\t\t\t\t\t\tData protection for participants and employers\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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    FIRST NATIONS PUBLIC SECURITY PENSION PLAN FIRST NATIONS PUBLIC SECURITY PENSION PLAN “Administer a defined benefit retirement plan designed for First Nations employers and their employees through a successful organization owned by them.“ RBA Financial Group is the First Nations Public Security Pension Plan (FNPSPP) sponsor, a defined benefit pension plan. The Plan is made […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-10034","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/pages\/10034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/comments?post=10034"}],"version-history":[{"count":19,"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/pages\/10034\/revisions"}],"predecessor-version":[{"id":15231,"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/pages\/10034\/revisions\/15231"}],"wp:attachment":[{"href":"https:\/\/rbagroupefinancier.com\/en\/wp-json\/wp\/v2\/media?parent=10034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}