Retirees at sunset

Retirement Services

3 retirement plans and 2 savings programs tailored to meet your needs

Enhance your total compensation plan to attract & retain the talented employees you need to serve your community best. We can help you with pension plans, group RRSPs, and TFSAs.

2000+ employees are covered through our Retirement Services
$110M assets under management
Retired couple cherry tree

Alberta Communities Pension Plan

ACPP is designed for employees and elected officials who are not participating in a public service pension plan like the Local Authorities Pension Plan (LAPP)

APEX Supplementary Pension Plan

Our APEX Pension Plan supplements the Local Authorities Pension Plan (LAPP) to the maximum allowable under the Canada Revenue Agency’s regulations.

Happy retiree

Group RRSPs & TFSAs

Our competitive savings programs are easy to enrol in, are customizable to meet your needs, and offer low management fees.

Medicine Hat worker


This is a supplemental employee retirement plan. It provides additional benefits beyond what is allowable under the LAPP and APEX plan, helping you compete with the private sector and retain your executive managers.