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

Building on a narrow base

Long-term economic trends have left the U.S. economy increasingly reliant on spending by upper-income households. We unpack the potential implications for economic stability and Federal Reserve policymaking.

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

China cityscape

Setting the stage for a sustainable Chinese equity rally

Last year saw positive market results despite many naysayers. Can this rally extend into 2026? In this article, we examine China’s policy stance, economic fundamentals, and equity market implications to find answers.

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Social Media

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Plus, how to plan ahead so it doesn't take you by surprise....

The Hidden Reason So Many Retirees Run Out of Money

One of the biggest retirement risks? Skyrocketing healthcare costs. From unexpected illnesses to long-term care needs, medical expenses can quickly drain savings. Plan ahead by estimating costs, exploring insurance options, and building a dedicated health fund. Don't let healthcare derail your retirement – start preparing now.

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The U.S. labour market ended 2025 on a better footing than expected. The unemployment rate ticked down in December, and 50,000 jobs were added, but data quirks...

US Labour Market Ends 2025 on a High Note | RBC Economics posted on the topic | LinkedIn

The U.S. labor market ended 2025 on a high note. RBC Economics breaks down the key improvements and what they signal for the year ahead. From job growth to wage trends, get the expert analysis on this positive momentum. #USEconomy #LaborMarket #EconomicOutlook #RBCInsights

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Bigger tax refunds could be coming in 2026 due to changes enacted in President Donald Trump's "big beautiful bill." Here's how it could impact the economy.

Bigger tax refunds are coming for 2026 — what it could mean for the economy

Bigger tax refunds in 2026 could mean a major boost for the economy. Learn how this extra cash in consumers' pockets might fuel spending, drive retail growth, and stimulate GDP. #Economy #ConsumerSpending #EconomicGrowth

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