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

Buckle up but don’t give up

Amid the uncertainty swirling from the Middle East crisis, several forces are pushing and pulling on stock markets. Bouts of intense volatility are likely.

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

Calm man

Coping mechanisms for equity market volatility

Given stock markets’ erratic moves of late, it’s important to remember that volatility is normal. We look at how investors should think about portfolio allocations so that they can act as an anchor during periods of extreme volatility.

Read more

Social Media

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You still have time to contribute to your 2025 Roth or traditional IRA. The deadline is April 15, 2026. Take charge and boost your financial future. Let’s talk. RBC WM does not provide legal, accounting or tax advice and all decisions regarding your investments should be made in consultation with your independent advisors. For more information: https://www.rbcwealthmanagement.com/en-us/legal/legal-and-tax-advice?utm_medium=organic-social&utm_source=hearsay-social-platform&utm_campaign=research-and-insights&utm_id=812bf473b22ec5da5752335b7f09660d

Business investment opportunity on the horizon? Now is a great time to explore your options. Let’s review today.

A passion purchase may be within reach. Let’s review your options and plan with confidence.