Welcome

Thank you for visiting our website to learn more about the LOSAP Group and retirement benefits for volunteer firefighters and EMT's. Recruitment and retention of volunteer firefighters and EMTs remains a major concern for communities nationwide. Providing benefits to volunteers as a retention and recruitment tool is an idea that is receiving great attention for supporting first responders. Among the most important, widely used, and growing incentives for volunteers are retirement plans. In most instances, they are called Length of Service Award Programs, or LOSAP. Our consultative team approach enables you to decide what type of program and which benefits will best suit your volunteers. Additionally, we believe in providing ongoing information and education that you can rely upon.

For more information on LOSAP and our services, please click here.


"An investment in Knowledge pays the best interest."
Benjamin Franklin

"Sometimes the hardest thing to do is to do nothing."
David Tepper


"Investing in what is comfortable is rarely profitable."
Rob Arnott

"Whenever you find yourself on the side of the majority, it is time to pause and reflect."
Mark Twain

"Patience is the companion of wisdom."
St. Augustine
 

Valued advice & outstanding service

2025 / 2026 dollar limitations for retirement plans

Some new limitations will apply to retirement plans and other benefit plans in 2026 because of cost-of-living adjustments made by the IRS and the Social Security Administration. Learn more about the limits for 2026.

Year-end checklist

RBC Wealth Management put together a list of important year-end planning topics to review—including: tax-sensitive strategies, ways to boost your retirement savings and charitable giving tips—for success in the new year.

> Review the checklist

Taking a few moments to plan ahead can help you take advantage of potential opportunities to grow your wealth and get you one step closer to reaching your goals. Contact us today to discuss how we can be of service to you.

Global Insight Monthly

GI Monthly

Five disruptors to the U.S. economic cycle

We’re increasingly of the view that a series of disruptions are masking a very real cyclical U.S. economic slowdown underneath the surface.

Read more in Global Insight Monthly

Meet the team

 

Learn more about The LOSAP Group.

Bulletin Board

Let's take the next step together

We welcome you to experience the RBC Wealth Management difference yourself. Contact us today to set up a meeting.

Latest Insights

Futuristic city

Executive summary: Global Insight 2026 Outlook

The future is here … and gathering speed. We share key insights from our Global Insight 2026 Outlook, highlighting the forces likely to shape financial markets as well as potential investment opportunities for the year ahead and beyond.

Read more

Social Media

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While high inflation may be painful for American shoppers and households, it also means higher contribution thresholds....

New IRS Rules for 2026 Will Allow You to Contribute More to Your 401(k) and IRA

The IRS just released the 401(k) and IRA contribution limits for 2026. As you map out your retirement savings it’s crucial to know these figures. Let’s discuss how to maximize your contributions and help secure the financial future you desire.

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The Social Security Administration announced a 2.8% COLA increase for 2026. Let’s connect as I can help you navigate this cost-of-living change to feel more secure about your future.

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Keeping an eye on the cost-of-living (COLA) increase for 2026 is essential for your retirement planning and financial security. Learn more about this topic and how it may impact your future.

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