Your Benefits Renewal Is Coming Up
Is your benefits renewal coming up? Here’s a checklist of what to review, what to negotiate, and when to get a second opinion.
Employee Benefits • Group Retirement • Shareholder Insurance
Your team's covered. Now go run your business.
Employee benefits, group retirement plans, and shareholder insurance — set up right, managed personally, and explained in plain English.
Practical advice. Personal service.
Built for Canadian businesses.
At Shelter Bay, we’ve been doing this long enough to know what actually works — and what doesn’t. We design employee benefits plans that make sense for your team and your budget, without unnecessary complexity. We’re a small team, and that’s intentional. You’ll know exactly who’s handling your account, and you’ll get real, personal support. Proudly Canadian, we serve businesses across British Columbia, Saskatchewan, Alberta, Ontario, and Manitoba.
We Specialize in Three Things & We Do them Well.
What We Do
We don’t try to be everything to everyone. We focus on the stuff that matters most to business owners with growing teams.
Employee Benefits
Benefits your team will actually use. We build plans for companies with 3 to 100 employees — the sweet spot where cookie-cutter plans fall short and the big brokers don’t return your calls.
Group Retirement
Retirement plans that people actually understand. Low fees, real engagement tools, and your team builds genuine retirement savings. You look like a great employer. Everybody wins.
Shareholder Insurance
Protecting what you’ve built. Buy-sell agreements, key person coverage, insured retirement strategies. Having a CFP who specializes in this makes a real difference.
Small Team. Big Expertise.
About Us
Shelter Bay Financial is a small firm based in B.C., and that’s by design. When you call, you speak with someone who actually knows your file. Our small team of advisors specializes in insurance planning for business owners, and we work directly with every client. Not a call centre. Not an account manager you’ve never met. Real people who know your business. We serve companies and employee groups across BC, Alberta, Saskatchewan, Manitoba, and Ontario — from small growing teams to established operations in nearly every industry except financial services.
guidance for Canadian business owners
Resources & Advice
Real answers to the questions we get asked all the time. No jargon, no fluff.
Health Spending Accounts vs. Traditional Benefits
Health Spending Account or traditional group benefits? Compare costs, flexibility, and tax savings for your Canadian small business.
5 Tax-Saving Strategies for Business Owners 2026
Canadian business owners: five tax-saving strategies for 2026 — from the small business deduction to IPPs and insured retirement planning.
Speak With An Expert Today
Request a Quote
At Shelter Bay, we’ve helped businesses across Canada put employee benefits and retirement plans in place that protect their team, support their growth, and make sense for their bottom line. We are proudly licensed in British Columbia, Ontario, Alberta, Saskatchewan and Manitoba. Get the conversation started by filling out the form below and we will be in touch with you soon.
Employee Benefits/Group Retirement
Shareholder / Key Person Insurance
General Inquiry
Employee Benefits/Group Retirement
Request an Employee Benefits/Group Retirement Quote
Shareholder / Key Person Insurance
Request a Shareholder/Key Person Insurance Quote
General Inquiry
General Inquiry Form
Request an Employee Benefits/Group Retirement Quote
Request a Shareholder/Key Person Insurance Quote
business owners stick with us because
We Work For You
We actually answer the phone.
Small team means you get a real person who knows your account. Not a 1-800 number and a ticket.
We explain things in plain English.
Insurance is complicated. We make it not complicated. No acronyms, no fine print surprises.
We don't forget about you.
Renewals, changes, questions that come up in April — we stay on top of it so you don’t have to.