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

Global Equity: Push & Pull

A more complicated picture for the next stages of AI development and renewed  geopolitical volatility have kept equities in check recently. But if unusually energetic earnings estimates for 2026 and 2027 prove achievable, more upside ahead is 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

Mature entrepreneur walking and talking to advisor

From builder to philanthropist: How entrepreneurial business owners can navigate wealth transitions, identity and purpose

For many entrepreneurial business owners, the next phase involves giving—approached with the same intentionality that built their company.

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Social Media

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Did you know 32% of families use college savings plans as a way to pay for college? Education expenses evolve over time, but the advantage of starting earlier hasn’t changed. Savings plans start working now, well before the acceptance letters roll in. ??????’?? ?????????????? ???? ?? ?????? ???????? ?????? ?????????? ?? ???????? ?????? ???????????? ????????????????.

PDF Document

cybersecuritychecklist-f537818451674eaba1b820465934601b.pdf

Your kids are going online. That’s a given. What matters most is making sure they do so with the knowledge and confidence to stay safe. Just as you teach them about everyday safety, navigating the digital space requires the same vigilance and care. When children understand why online safety matters, they’re better equipped to recognize risks and make smart decisions on their own. Take a few minutes to explore this online safety checklist together and make cybersecurity a family conversation. Small discussions today can help build safer online habits for the future. #cybersecurity #cybersafety #kidsonlinesafety #staysafeonline

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Consumer confidence fell in July as higher grocery and gas prices weighed on Americans' views of the economy, according to a survey from the Conference Board.

Consumer confidence fell in July as worries over prices remained elevated

Consumer confidence dipped in July, as rising grocery and gas prices dampened Americans' economic outlook for the third straight month.

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