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.

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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

Woman computer finances

Financial health and wellness - a reality checkup for the new year

Want better financial health in the year ahead? Focus on these four things.

Read more

Social Media

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Grocery stores, reinvented airport spaces and an obsession with period dramas—we've rounded up the travel experts and editors to share how they're seeing...

The Biggest Travel Trends of 2026

Ready for 2026 adventures? According to Condé Nast Traveler, we're hopping luxury trains around the world, tracing ancestry roots, chasing northern lights on astro-cruises, ditching alcohol for dry trips, and even relaxing in seaweed spas! Which trend has you packing your bags? #TravelTrends2026 #Wanderlust

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Are you a business owner hinging your retirement on a big payoff from selling your business? If so, it's vital to know what your business is worth. DM me today to talk through your business valuation.

The start of a new year is a great time to assess your giving and legacy planning goals and review assets, including your life insurance beneficiary designations so they match your intentions.