Transparency & Fees

Insurance & Benefits

When you purchase insurance or employee benefits through our office, the insurance company may pay us a commission. This compensation can include an initial commission when coverage begins and ongoing commissions while the policy remains active.

The amount we receive varies by insurer, product, and coverage. Our recommendations are based on your needs, goals, and circumstances, and we are committed to providing professional, objective advice.

Investment Products

Some investment products, such as mutual funds, may pay ongoing service commissions (often called a trailing commission). These payments support ongoing advice, account reviews, and client service and are included within the product's expenses rather than charged separately to you.

Advisory Fee Investment Program

Prestige Under $2 million 0.90% – 1.25%
Elite $2 million and over 0.75% – 1.10%

How advisory fees work:

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Fees are calculated on the assets we manage for you.

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Fees are tiered, meaning different portions of assets may be charged at different rates.

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Fees are calculated using the daily average value of eligible assets and charged monthly.

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Fees decline as asset levels increase.

In some cases, your advisor may receive compensation for products or services outside the fee-based program. Any applicable compensation will be disclosed to you.

Summary

Our compensation depends on the services and products you choose, we disclose how we're paid, and fee-based clients pay a transparent asset-based fee that generally declines as assets grow.

If you have questions about our fees, compensation, or services, please ask. We are committed to transparency and helping you make informed financial decisions.

As business owners and operators providing services to other businesses and people, its not often we always provide the feedback (or receive feedback for that matter) in regard to our services and overall programs. I could not be happier with the service we have gotten from you all over the last year.

Whether it is the availability, the follow ups, the answering our one million questions, or even just the kind nature in which you approach the customer service. As we start a New Year, I felt it important to share that experience with you both, because the experience has been great, and most importantly it is directly a result of the effort you two clearly put in.

Thank you again for all you do, and we wish you all the success and growth in the new year!

SafCan Safety Solutions Ltd.

Fort McMurray, AB

Having worked with the fantastic folks at BP Group Solutions & Excalibur Executive Planning for 5 years, I knew when I started my position with Borealis Automotive that I wanted our group benefits to be with The Chambers Plan so that our company would be able to benefit from the outstanding customer service, wealth of information & financial services, and excellent benefit plans that are financially feasible for small companies and their employees. The My Benefits website and app is fantastic, so easy to ue and makes managing our plan simple and easy.

I cannot say enough good things about The Chambers Plan and the fantastic group of ladies at BP Group Solutions and oh yes, let’s not forget Jason & Bryon at Excalibur Executive Planning!

Borealis Automotive Ltd.

Fort McMurray, AB

We are very happy with The Chambers Plan.  They are always very helpful and prompt with an answer or reply when we have questions.  The My Benefits app is very easy to navigate and payments to claims are deposited in just a few days.  Most importantly they make us feel valued and that they genuinely care to give us the best service they can.  Thanks Chambers!

Zarowny Motors

St. Paul, AB

Exiting a corporate career and starting a business meant going from financial stability to short-term instability. Jason provide solid advice to setup my family for the long term and got us the produces we needed. We now go to bed every night with peace of mind knowing that we are ready for whatever might come our way.

Tim Dyck

Best Culture Solutions, Inc.

"If we have any questions I call. Thank you for the wonderful support! We appreciate it!”

Cal's Hardware LTD.

Elk Point, Alberta

"Bryon Pearman has been my Financial Advisor since 1994. I have utmost trust and confidence in his knowledge and ability as a Financial Advisor. He is very professional in his approach and I have never hesitated to recommend his services to my colleagues, friends or family members."

Lise Bussiere

St. Paul, Alberta

“Great service by knowledgeable staff."

Phoenix Heli-Flight

Ft. McMurray, Alberta

"As a small business owner having the opportunity to offer an affordable benefits package for my employees has enabled me to attract and retain valuable, dedicated employees. BP Group Solutions is always readily available to assist us in any way with managing our benefits. I would highly recommend their products and services to any business looking for a way to enhance their hiring packages."

Renu Hair Salon & Spa Inc.

Cold Lake, Alberta

"Love this program it is so easy to use. When ever I have questions there is always a person who answers on the other end that is able to provide me with solutions. Great program and Service."

Ripley Construction

Ft. McMurray, Alberta

"Bryon and his team are very knowledgeable, helpful and down to earth. You can tell they genuinely care about finding the right fit for their clients and go above and beyond time and time again. I am grateful we have BP Group Solutions taking care of our members."

Bonnyville & District Chamber of Commerce

Bonnyville, Alberta

"When we were looking for benefits for our employees it seemed like a daunting task. We were recommended to BP Group Solutions and have never looked back. All the staff are knowledgeable, efficient, helpful, and follow through on anything that is requested of them by their clients. They are always a pleasure to deal with and always have or can find the answer to any question that is asked. Thank you BP Group staff for making a daunting task seem so easy."

Edwards Land Surveys LTD

Ft. McMurray, Alberta