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We had to build internal financial planning expertise and develop sophisticated online tools within a service delivery model that’s structured to provide both transaction and decision support. They don’t always know what to ask for when they need help, which makes it critical to have a frontline team that can discern when a plan member simply needs general information or transactional support and when they need decision support from a client service advisor. We’ve introduced sophisticated online tools to help members take a more active role in their retirement planning with the ultimate aim being to draw them back to us for important advisory discussions. To help plan members make the best decisions about their pension given their personal circumstances and goals, we created a new client service advisor role that combines pension expertise with a certified financial planner designation.To do this effectively requires staff with pension expertise, strong communication skills and a broad understanding of retirement planning issues. Helping plan members “close the deal” when an election is made to complete the transaction. These tools help plan members gain a better understanding of their retirement picture allowing for a more meaningful conversation with our advisors. These advisors help plan members navigate pension decisions by helping them understand how each option affects their entitlement in our plan and their overall financial situation.Also, under the traditional model, it often felt as if we were just standing by and watching members make poor decisions without helping them understand how that decision could impact their future financial security.This is what drove us to implement an advisory services model.

We’re also very pleased with how well it’s been received by our plan members and how many of them are taking advantage of the service.

Term insurance is another relatively inexpensive option that can meet their objective without risking their guaranteed lifetime pension.

This is the value our advisors can bring into each meeting with a plan member.

| October 26, 2016 Pension decisions shouldn’t be made in a vacuum.

For plan members to make the best decision they have to understand more than just the details of their pension options; they have to understand how each option can impact their financial future and retirement plans.

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This is what led the Ontario Pension Board to transform its service delivery model in 2014 from a traditional model to an advisory services model.

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