{"id":14686,"date":"2025-09-09T22:01:22","date_gmt":"2025-09-10T03:01:22","guid":{"rendered":"https:\/\/twinn.ca\/?p=14686"},"modified":"2025-10-13T20:37:35","modified_gmt":"2025-10-14T01:37:35","slug":"regime-retraite-simplifie","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/","title":{"rendered":"Guide du r\u00e9gime de retraite simplifi\u00e9 : Solutions pour PME"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Imaginez une PME en pleine croissance au Qu\u00e9bec. Vous avez d\u00e9j\u00e0 r\u00e9gl\u00e9 la question des vacances et des assurances collectives, mais voil\u00e0 que certains employ\u00e9s de longue date commencent \u00e0 s\u2019informer sur les options de retraite. Vous savez que les r\u00e9gimes peuvent vite devenir complexes, mais vous ne voulez pas non plus perdre vos meilleurs talents au profit de grandes entreprises qui en offrent d\u00e9j\u00e0.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est dans ce genre de contexte que le r\u00e9gime de retraite simplifi\u00e9 prend tout son sens. Con\u00e7u pour les petites et moyennes entreprises, il offre aux employ\u00e9s un moyen accessible d\u2019\u00e9pargner pour la retraite, tout en r\u00e9duisant au minimum les d\u00e9marches administratives pour l\u2019employeur. Dans ce guide, nous verrons ce qu\u2019est un r\u00e9gime de retraite simplifi\u00e9, pourquoi il s\u2019impose comme une solution avantageuse pour les PME qu\u00e9b\u00e9coises et comment l\u2019int\u00e9grer \u00e0 votre programme d\u2019avantages sociaux afin de soutenir \u00e0 la fois vos employ\u00e9s et vos objectifs d\u2019affaires.  <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14686_9097ed-da{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14686_9097ed-da > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_9097ed-da > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_9097ed-da > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_9097ed-da{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_9097ed-da > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14686_9097ed-da{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}.kb-row-layout-id14686_9097ed-da{background-color:rgba(58,173,113,0.17);}.kb-row-layout-id14686_9097ed-da > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id14686_9097ed-da > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14686_9097ed-da{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id14686_9097ed-da > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_9097ed-da{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_9097ed-da alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col,.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_dc0f0e-b5{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_dc0f0e-b5 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_dc0f0e-b5\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98, .wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98[data-kb-block=\"kb-adv-heading14686_767ab6-98\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98[data-kb-block=\"kb-adv-heading14686_767ab6-98\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98[data-kb-block=\"kb-adv-heading14686_767ab6-98\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98, .wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98[data-kb-block=\"kb-adv-heading14686_767ab6-98\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98, .wp-block-kadence-advancedheading.kt-adv-heading14686_767ab6-98[data-kb-block=\"kb-adv-heading14686_767ab6-98\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading14686_767ab6-98 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_767ab6-98\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b69fac-20:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b69fac-20 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b69fac-20 ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b69fac-20 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.kt-svg-icon-list-items14686_b69fac-20 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_b69fac-20 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_0d91b1-db .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_0d91b1-db\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le r\u00e9gime de retraite simplifi\u00e9 facilite la planification de la retraite des PME gr\u00e2ce \u00e0 une gestion all\u00e9g\u00e9e et des cotisations pr\u00e9visibles.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_8c01c5-2c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_8c01c5-2c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Une bonne communication permet aux employ\u00e9s de mieux comprendre et tirer profit de ce r\u00e9gime.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_ace24b-3f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_ace24b-3f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les employ\u00e9s profitent d\u2019une s\u00e9curit\u00e9 financi\u00e8re gr\u00e2ce aux cotisations de l\u2019employeur, aux avantages fiscaux et \u00e0 la transf\u00e9rabilit\u00e9 du r\u00e9gime.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_2b5369-2f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_2b5369-2f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le RRS peut \u00eatre combin\u00e9 \u00e0 d\u2019autres outils comme le REER collectif, le RPDB ou le CELI pour offrir encore plus de souplesse.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_8b183d-92 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_8b183d-92\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">S\u2019entourer de conseillers et d\u2019assureurs sp\u00e9cialis\u00e9s permet d\u2019assurer conformit\u00e9, ma\u00eetrise des co\u00fbts et adaptation aux besoins de votre \u00e9quipe.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-a-simplified-employee-pension-plan\">Qu\u2019est-ce qu\u2019un r\u00e9gime de retraite simplifi\u00e9 pour employ\u00e9s?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite simplifi\u00e9 (RRS) est, en quelques mots, une formule de <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-employes\/\">r\u00e9gime pension pour employ\u00e9s<\/a> con\u00e7ue pour les entreprises qui souhaitent offrir un r\u00e9gime de retraite sans alourdir leur gestion. Contrairement au r\u00e9gime \u00e0 prestations d\u00e9termin\u00e9es, qui garantit un revenu fixe une fois \u00e0 la retraite, le RRS repose sur des cotisations : l\u2019employeur, l\u2019employ\u00e9 ou les deux versent un montant p\u00e9riodique, qui s\u2019accumule et fructifie gr\u00e2ce aux placements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encadr\u00e9 par la l\u00e9gislation f\u00e9d\u00e9rale et qu\u00e9b\u00e9coise, le RRS respecte les r\u00e8gles de l\u2019ARC et de Revenu Qu\u00e9bec. C\u2019est un outil particuli\u00e8rement adapt\u00e9 aux petites et moyennes entreprises puisqu\u2019il combine simplicit\u00e9 de gestion et avantages tangibles pour les employ\u00e9s. <\/p>\n\n\n<style>.kb-image14686_476d91-f3 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14686_476d91-f3 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/young-talented-employee-joining-business-thanks-to-benefits-and-simplified-pension-plan-1.webp\" alt=\"Jeune employ\u00e9 talentueux qui rejoint les affaires gr\u00e2ce aux avantages sociaux et \u00e0 un r\u00e9gime de retraite simplifi\u00e9\" class=\"kb-img wp-image-14629\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/young-talented-employee-joining-business-thanks-to-benefits-and-simplified-pension-plan-1.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/young-talented-employee-joining-business-thanks-to-benefits-and-simplified-pension-plan-1-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/young-talented-employee-joining-business-thanks-to-benefits-and-simplified-pension-plan-1-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-choose-a-simplified-pension-plan\">Pourquoi opter pour un r\u00e9gime de retraite simplifi\u00e9?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour de nombreuses PME qu\u00e9b\u00e9coises, le RRS est souvent la premi\u00e8re option r\u00e9aliste lorsqu\u2019il est question de mettre en place un <span style=\"text-decoration: underline;\">r\u00e9gime de retraite<\/span>. Les employeurs y ont recours notamment pour : <\/p>\n\n\n<style>.kb-row-layout-id14686_f48997-ca > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_f48997-ca > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_f48997-ca > .kt-row-column-wrap{column-gap:41px;row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14686_f48997-ca > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_f48997-ca > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id14686_f48997-ca > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_f48997-ca alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column14686_079562-d7 > .kt-inside-inner-col{display:flex;}.kadence-column14686_079562-d7 > .kt-inside-inner-col{padding-top:0px;}.kadence-column14686_079562-d7 > .kt-inside-inner-col,.kadence-column14686_079562-d7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_079562-d7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_079562-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_079562-d7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14686_079562-d7{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_079562-d7{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_079562-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_079562-d7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_079562-d7{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14686_079562-d7{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_079562-d7{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_079562-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14686_079562-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14686_079562-d7{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_079562-d7{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_079562-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_079562-d7 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_079562-d7\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14686_f18b5f-1c{margin-bottom:0px;}.kb-row-layout-id14686_f18b5f-1c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_f18b5f-1c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_f18b5f-1c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-sm, 1rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_f18b5f-1c{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_f18b5f-1c > .kt-row-layout-overlay{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;}.kb-row-layout-id14686_f18b5f-1c{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kb-row-layout-id14686_f18b5f-1c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_f18b5f-1c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14686_f18b5f-1c{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-row-layout-id14686_f18b5f-1c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_f18b5f-1c{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_f18b5f-1c alignnone has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_0c9151-c3 > .kt-inside-inner-col,.kadence-column14686_0c9151-c3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_0c9151-c3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_0c9151-c3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_0c9151-c3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_0c9151-c3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_0c9151-c3{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_0c9151-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_0c9151-c3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_0c9151-c3\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-1\" id=\"competing-for-talent-against-larger-companies\" style=\"padding-top:var(--wp--preset--spacing--20);font-size:20px\"><strong>Attirer et retenir les talents<\/strong><\/h4>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col,.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_a9a2d0-48{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_a9a2d0-48 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_a9a2d0-48\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\" style=\"font-size:17px;line-height:1.5\">M\u00eame un r\u00e9gime de retraite simplifi\u00e9 permet \u00e0 une PME de rivaliser avec les grandes entreprises, qui s\u00e9duisent souvent les candidats gr\u00e2ce \u00e0 leurs g\u00e9n\u00e9reux programmes d\u2019avantages sociaux.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column14686_c01753-67 > .kt-inside-inner-col,.kadence-column14686_c01753-67 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_c01753-67 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_c01753-67 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_c01753-67 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_c01753-67 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_c01753-67{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_c01753-67 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_c01753-67 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_c01753-67\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14686_558311-e2{margin-bottom:0px;}.kb-row-layout-id14686_558311-e2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_558311-e2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_558311-e2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-sm, 1rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_558311-e2{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_558311-e2 > .kt-row-layout-overlay{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;}.kb-row-layout-id14686_558311-e2{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kb-row-layout-id14686_558311-e2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_558311-e2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14686_558311-e2{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-row-layout-id14686_558311-e2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_558311-e2{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_558311-e2 alignnone has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_36edba-01 > .kt-inside-inner-col,.kadence-column14686_36edba-01 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_36edba-01 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_36edba-01 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_36edba-01 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_36edba-01 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_36edba-01{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_36edba-01 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_36edba-01 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_36edba-01\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-3\" id=\"competing-for-talent-against-larger-companies\" style=\"padding-top:var(--wp--preset--spacing--20);font-size:20px\"><strong><strong>Faire face \u00e0 des exigences l\u00e9gales<\/strong><\/strong><\/h4>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_6347cb-d5 > .kt-inside-inner-col,.kadence-column14686_6347cb-d5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_6347cb-d5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_6347cb-d5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_6347cb-d5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_6347cb-d5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_6347cb-d5{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_6347cb-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_6347cb-d5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_6347cb-d5\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\" style=\"padding-top:0;font-size:17px;line-height:1.5\">Au Qu\u00e9bec, toute entreprise de cinq employ\u00e9s ou plus doit <a href=\"https:\/\/www.rrq.gouv.qc.ca\/fr\/planification\/5-etapes\/sources_revenu_retraite\/Pages\/regimes_prives_retraite.aspx\" data-type=\"link\" data-id=\"https:\/\/www.rrq.gouv.qc.ca\/en\/planification\/5-etapes\/sources_revenu_retraite\/Pages\/regimes_prives_retraite.aspx\" target=\"_blank\" rel=\"noopener\">donner acc\u00e8s \u00e0 un r\u00e9gime d\u2019\u00e9pargne-retraite<\/a>. Le RRS r\u00e9pond \u00e0 cette exigence tout en demeurant simple \u00e0 administrer.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column14686_10a40c-83 > .kt-inside-inner-col,.kadence-column14686_10a40c-83 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_10a40c-83 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_10a40c-83 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_10a40c-83 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_10a40c-83 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_10a40c-83{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_10a40c-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_10a40c-83 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_10a40c-83\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14686_db732b-dc{margin-bottom:0px;}.kb-row-layout-id14686_db732b-dc > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_db732b-dc > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_db732b-dc > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-sm, 1rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_db732b-dc{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_db732b-dc > .kt-row-layout-overlay{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;}.kb-row-layout-id14686_db732b-dc{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kb-row-layout-id14686_db732b-dc > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_db732b-dc > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14686_db732b-dc{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-row-layout-id14686_db732b-dc > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_db732b-dc{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_db732b-dc alignnone has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_4d9b99-bd > .kt-inside-inner-col,.kadence-column14686_4d9b99-bd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_4d9b99-bd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_4d9b99-bd > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_4d9b99-bd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_4d9b99-bd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_4d9b99-bd{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_4d9b99-bd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_4d9b99-bd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_4d9b99-bd\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-5\" id=\"competing-for-talent-against-larger-companies\" style=\"padding-top:var(--wp--preset--spacing--20);font-size:20px\"><strong><strong><strong>R\u00e9pondre \u00e0 la demande des employ\u00e9s<\/strong><\/strong><\/strong><\/h4>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_66c4a2-31 > .kt-inside-inner-col,.kadence-column14686_66c4a2-31 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_66c4a2-31 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_66c4a2-31 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_66c4a2-31 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_66c4a2-31 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_66c4a2-31{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_66c4a2-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_66c4a2-31 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_66c4a2-31\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\" style=\"font-size:17px;line-height:1.6\">Plus une \u00e9quipe grandit et se stabilise, plus les questions sur l\u2019avenir financier surgissent. Offrir un RRS est une fa\u00e7on claire de d\u00e9montrer votre engagement envers vos employ\u00e9s. <\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column14686_505ed4-dc > .kt-inside-inner-col,.kadence-column14686_505ed4-dc > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_505ed4-dc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_505ed4-dc > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_505ed4-dc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_505ed4-dc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_505ed4-dc{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_505ed4-dc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_505ed4-dc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_505ed4-dc\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14686_1a31ac-0d{margin-bottom:0px;}.kb-row-layout-id14686_1a31ac-0d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_1a31ac-0d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_1a31ac-0d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-sm, 1rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_1a31ac-0d{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_1a31ac-0d > .kt-row-layout-overlay{border-top-left-radius:15px;border-top-right-radius:15px;border-bottom-right-radius:15px;border-bottom-left-radius:15px;}.kb-row-layout-id14686_1a31ac-0d{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}.kb-row-layout-id14686_1a31ac-0d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_1a31ac-0d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14686_1a31ac-0d{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-row-layout-id14686_1a31ac-0d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_1a31ac-0d{border-top:2px dashed var(--global-palette3, #1A202C);border-right:2px dashed var(--global-palette3, #1A202C);border-bottom:2px dashed var(--global-palette3, #1A202C);border-left:2px dashed var(--global-palette3, #1A202C);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_1a31ac-0d alignnone has-theme-palette9-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_a0cc10-2e > .kt-inside-inner-col,.kadence-column14686_a0cc10-2e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_a0cc10-2e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_a0cc10-2e > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_a0cc10-2e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_a0cc10-2e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_a0cc10-2e{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_a0cc10-2e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_a0cc10-2e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_a0cc10-2e\"><div class=\"kt-inside-inner-col\">\n<h4 class=\"wp-block-heading has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-7\" id=\"competing-for-talent-against-larger-companies\" style=\"padding-top:var(--wp--preset--spacing--20);font-size:20px\"><strong><strong><strong><strong>\u00c9quilibrer co\u00fbt et impact<\/strong><\/strong><\/strong><\/strong><\/h4>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col,.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_fd0f9e-a2{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_fd0f9e-a2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_fd0f9e-a2\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-text-align-center has-theme-palette-3-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\" style=\"font-size:17px;line-height:1.6\">\u00c0 la diff\u00e9rence des r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es, les cotisations d\u2019un RRS sont fixes et pr\u00e9visibles. L\u2019employeur garde ainsi le contr\u00f4le sur son budget sans craindre de mauvaises surprises.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9sum\u00e9, un r\u00e9gime de retraite simplifi\u00e9 bien structur\u00e9 offre aux petites entreprises une solution pratique pour soutenir l\u2019avenir financier de leurs employ\u00e9s tout en demeurant conforme et comp\u00e9titif.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"and-how-do-employees-benefit\">Et comment les employ\u00e9s en b\u00e9n\u00e9ficient-ils?<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Au-del\u00e0 de la simplicit\u00e9, ce qui rend le r\u00e9gime de retraite simplifi\u00e9 particuli\u00e8rement attrayant pour les employ\u00e9s, c\u2019est le sentiment de s\u00e9curit\u00e9 qu\u2019il procure \u00e0 long terme. Savoir qu\u2019une \u00e9pargne se constitue r\u00e9guli\u00e8rement en arri\u00e8re-plan facilite la planification de projets de vie comme l\u2019achat d\u2019une maison ou une retraite sereine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La combinaison des contributions de l\u2019employeur et des avantages fiscaux permet \u00e0 leur argent de travailler plus efficacement pour eux, augmentant ainsi leur patrimoine au fil du temps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-do-simplified-pension-plans-work\">Comment fonctionne un r\u00e9gime de retraite simplifi\u00e9?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite simplifi\u00e9 (RRS) est en quelque sorte une version all\u00e9g\u00e9e d\u2019un <a href=\"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-retraite-prestations-determinees\/\">r\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es<\/a>, pens\u00e9e pour les petites et moyennes entreprises. Son int\u00e9r\u00eat repose sur la simplicit\u00e9, la pr\u00e9visibilit\u00e9 des co\u00fbts et la conformit\u00e9 r\u00e9glementaire, sans les lourdeurs administratives qu\u2019imposent souvent les grands r\u00e9gimes. Voici ses principales caract\u00e9ristiques :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;column-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1 ul.kt-svg-icon-list{grid-row-gap:26px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1 .kb-svg-icon-wrap{font-size:20px;color:var(--global-palette4, #2D3748);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_d0086d-d1 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_d0086d-d1:not(.kt-mobile-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_d0086d-d1 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_6648aa-b2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_6648aa-b2\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Cotisations :<\/strong><\/mark><br>Employeurs et employ\u00e9s versent tous deux des cotisations, g\u00e9n\u00e9ralement \u00e9tablies en pourcentage du salaire. Les plafonds propres au r\u00e9gime de retraite simplifi\u00e9 rendent les co\u00fbts pr\u00e9visibles pour l\u2019employeur et garantissent une certaine \u00e9quit\u00e9 entre employ\u00e9s. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_9049dd-a0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_9049dd-a0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Administration<\/strong>:<\/mark><br>Le mot simplifi\u00e9 prend tout son sens ici, la mise en place et la gestion sont beaucoup moins lourdes que pour un r\u00e9gime complet \u00e0 prestations d\u00e9termin\u00e9es ou \u00e0 cotisations d\u00e9termin\u00e9es. Moins de formalit\u00e9s, moins de suivi administratif. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_4f7fbb-9b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_4f7fbb-9b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Gestion de placements<\/strong> :<\/mark><br>Les cotisations sont regroup\u00e9es et investies par un fournisseur (souvent un assureur comme Sun Life, Manuvie, Canada Vie ou RBC Assurances). Les employ\u00e9s profitent d\u2019une gestion professionnelle des placements sans avoir \u00e0 prendre eux-m\u00eames des d\u00e9cisions complexes. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_2a2ade-c9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_2a2ade-c9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\"><strong>Portabilit\u00e9<\/strong> :<\/mark><br>Les fonds sont g\u00e9n\u00e9ralement transf\u00e9rables. Un employ\u00e9 qui change d\u2019emploi ne perd donc pas les sommes accumul\u00e9es, un avantage de taille dans un march\u00e9 du travail o\u00f9 la mobilit\u00e9 est fr\u00e9quente.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"taxation-of-simplified-pension-plans\">Fiscalit\u00e9 des r\u00e9gimes de retraite simplifi\u00e9s<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La fiscalit\u00e9 joue un r\u00f4le central dans l\u2019attrait d\u2019un RRS, autant pour les employeurs que pour les employ\u00e9s. La bonne nouvelle? Les r\u00e8gles sont con\u00e7ues pour encourager la participation tout en demeurant simples \u00e0 g\u00e9rer.<\/p>\n\n\n<style>.kb-row-layout-id14686_6ec532-eb > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_6ec532-eb > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_6ec532-eb > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_6ec532-eb > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_6ec532-eb > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14686_6ec532-eb > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_6ec532-eb alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_46948d-b7 > .kt-inside-inner-col,.kadence-column14686_46948d-b7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_46948d-b7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_46948d-b7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_46948d-b7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_46948d-b7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_46948d-b7{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_46948d-b7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_46948d-b7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_46948d-b7\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-theme-palette-2-color has-text-color has-link-color has-medium-font-size wp-elements-9\" id=\"for-employers-1\" style=\"padding-bottom:var(--wp--preset--spacing--30)\">Pour les employeurs :<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Les cotisations sont d\u00e9ductibles d\u2019imp\u00f4t comme d\u00e9penses d\u2019entreprise. Elles r\u00e9duisent donc le revenu imposable et, par cons\u00e9quent, l\u2019imp\u00f4t \u00e0 payer. Autre avantage : elles ne sont pas consid\u00e9r\u00e9es comme un avantage imposable pour les employ\u00e9s, donc aucun fardeau suppl\u00e9mentaire en charges sociales.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_111daa-aa > .kt-inside-inner-col,.kadence-column14686_111daa-aa > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_111daa-aa > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_111daa-aa > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_111daa-aa > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_111daa-aa > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_111daa-aa{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_111daa-aa > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_111daa-aa > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_111daa-aa\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc, .wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc[data-kb-block=\"kb-adv-heading14686_5b2cfd-dc\"]{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-md, 2rem);margin-right:var(--global-kb-spacing-md, 2rem);margin-left:var(--global-kb-spacing-md, 2rem);font-style:normal;border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);border-top-left-radius:60px;border-top-right-radius:60px;border-bottom-right-radius:60px;border-bottom-left-radius:60px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc[data-kb-block=\"kb-adv-heading14686_5b2cfd-dc\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc[data-kb-block=\"kb-adv-heading14686_5b2cfd-dc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc, .wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc[data-kb-block=\"kb-adv-heading14686_5b2cfd-dc\"]{border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc, .wp-block-kadence-advancedheading.kt-adv-heading14686_5b2cfd-dc[data-kb-block=\"kb-adv-heading14686_5b2cfd-dc\"]{border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);}}<\/style>\n<p class=\"kt-adv-heading14686_5b2cfd-dc wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_5b2cfd-dc\">Exemple : Si une entreprise cotise 20 000 $ au cours d\u2019une ann\u00e9e, ce montant est enti\u00e8rement d\u00e9ductible, ce qui diminue directement l\u2019imp\u00f4t de la soci\u00e9t\u00e9. <\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id14686_965ed3-60 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_965ed3-60 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_965ed3-60 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_965ed3-60 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_965ed3-60 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14686_965ed3-60 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_965ed3-60 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_4790ad-f2 > .kt-inside-inner-col,.kadence-column14686_4790ad-f2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_4790ad-f2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_4790ad-f2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_4790ad-f2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_4790ad-f2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_4790ad-f2{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_4790ad-f2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_4790ad-f2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_4790ad-f2\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-theme-palette-2-color has-text-color has-link-color has-medium-font-size wp-elements-10\" id=\"for-employers-1\" style=\"padding-bottom:var(--wp--preset--spacing--30)\">Pour les employ\u00e9s :<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Les cotisations et leurs rendements (int\u00e9r\u00eats, dividendes, gains en capital) croissent \u00e0 l\u2019abri de l\u2019imp\u00f4t. L\u2019imp\u00f4t n\u2019est payable qu\u2019au moment des retraits \u00e0 la retraite, souvent \u00e0 un taux moindre puisque plusieurs retrait\u00e9s se retrouvent dans une tranche d\u2019imposition plus basse.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_e837f7-d1 > .kt-inside-inner-col,.kadence-column14686_e837f7-d1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_e837f7-d1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_e837f7-d1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_e837f7-d1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_e837f7-d1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_e837f7-d1{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_e837f7-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_e837f7-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_e837f7-d1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce, .wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce[data-kb-block=\"kb-adv-heading14686_f753b2-ce\"]{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-md, 2rem);margin-right:var(--global-kb-spacing-md, 2rem);margin-left:var(--global-kb-spacing-md, 2rem);font-style:normal;border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);border-top-left-radius:60px;border-top-right-radius:60px;border-bottom-right-radius:60px;border-bottom-left-radius:60px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce[data-kb-block=\"kb-adv-heading14686_f753b2-ce\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce[data-kb-block=\"kb-adv-heading14686_f753b2-ce\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce, .wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce[data-kb-block=\"kb-adv-heading14686_f753b2-ce\"]{border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce, .wp-block-kadence-advancedheading.kt-adv-heading14686_f753b2-ce[data-kb-block=\"kb-adv-heading14686_f753b2-ce\"]{border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);}}<\/style>\n<p class=\"kt-adv-heading14686_f753b2-ce wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_f753b2-ce\"><em>Exemple :<\/em> Un employ\u00e9 contribuant 3 000 $ par ann\u00e9e avec un rendement moyen de 4% pourrait accumuler environ 110 000 $ apr\u00e8s 25 ans. L\u2019imp\u00f4t n\u2019est pay\u00e9 que lorsque les fonds sont retir\u00e9s \u00e0 la retraite. <\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id14686_7d7e18-2d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_7d7e18-2d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_7d7e18-2d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-sm, 1rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_7d7e18-2d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_7d7e18-2d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14686_7d7e18-2d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_7d7e18-2d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col,.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_e6fdaf-a2{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_e6fdaf-a2 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_e6fdaf-a2\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-theme-palette-2-color has-text-color has-link-color has-medium-font-size wp-elements-11\" id=\"for-employers-1\" style=\"padding-bottom:var(--wp--preset--spacing--30)\">Plafonds de contribution :<\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_361f42-ee:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_361f42-ee ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_361f42-ee ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_361f42-ee ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_361f42-ee ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_361f42-ee kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_9a9fba-15 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_9a9fba-15\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_arrow-right kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les SPP ont des plafonds de cotisation, habituellement li\u00e9s \u00e0 un pourcentage des revenus, similaires aux r\u00e9gimes de retraite \u00e0 cotisations d\u00e9termin\u00e9es mais g\u00e9n\u00e9ralement avec des plafonds plus faibles que les REER.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_32ee35-c9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_32ee35-c9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_arrow-right kt-svg-icon-list-single\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Cela en fait un bon r\u00e9gime de base, souvent combin\u00e9 \u00e0 d\u2019autres outils comme les REER collectifs ou les CELI, afin de maximiser l\u2019\u00e9pargne et les avantages fiscaux.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_fc2367-e5 > .kt-inside-inner-col,.kadence-column14686_fc2367-e5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_fc2367-e5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_fc2367-e5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_fc2367-e5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_fc2367-e5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_fc2367-e5{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_fc2367-e5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_fc2367-e5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_fc2367-e5\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id14686_7a9ab7-3d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_7a9ab7-3d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_7a9ab7-3d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-sm, 1rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xl, 4rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_7a9ab7-3d{border-top-left-radius:60px;border-top-right-radius:60px;border-bottom-right-radius:60px;border-bottom-left-radius:60px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_7a9ab7-3d > .kt-row-layout-overlay{border-top-left-radius:60px;border-top-right-radius:60px;border-bottom-right-radius:60px;border-bottom-left-radius:60px;}.kb-row-layout-id14686_7a9ab7-3d{border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);}.kb-row-layout-id14686_7a9ab7-3d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_7a9ab7-3d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id14686_7a9ab7-3d{border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);}}@media all and (max-width: 767px){.kb-row-layout-id14686_7a9ab7-3d > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_7a9ab7-3d{border-top:3px dashed var(--global-palette4, #2D3748);border-right:3px dashed var(--global-palette4, #2D3748);border-bottom:3px dashed var(--global-palette4, #2D3748);border-left:3px dashed var(--global-palette4, #2D3748);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_7a9ab7-3d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_ec8785-a7 > .kt-inside-inner-col,.kadence-column14686_ec8785-a7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_ec8785-a7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_ec8785-a7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_ec8785-a7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_ec8785-a7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_ec8785-a7{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_ec8785-a7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_ec8785-a7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_ec8785-a7\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\" style=\"padding-left:0\"><em>Exemple :<\/em><\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_21f36c-5c > .kt-inside-inner-col{display:flex;}.kadence-column14686_21f36c-5c > .kt-inside-inner-col,.kadence-column14686_21f36c-5c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_21f36c-5c > .kt-inside-inner-col{row-gap:var(--global-kb-gap-none, 0rem );column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_21f36c-5c > .kt-inside-inner-col{flex-direction:column;align-items:flex-start;}.kadence-column14686_21f36c-5c > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column14686_21f36c-5c > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column14686_21f36c-5c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_21f36c-5c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_21f36c-5c{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_21f36c-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}}@media all and (max-width: 767px){.kadence-column14686_21f36c-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_21f36c-5c\"><div class=\"kt-inside-inner-col\">\n<ul class=\"wp-block-list\">\n<li>L\u2019employ\u00e9 gagne 60 000 $ par ann\u00e9e<\/li>\n\n\n\n<li>L\u2019employeur fixe les cotisations \u00e0 5% du salaire<\/li>\n\n\n\n<li>Contribution annuelle = 3 000 $<\/li>\n\n\n\n<li>C\u2019est bien en dessous du maximum REER, mais cela offre une base stable et pr\u00e9visible.<\/li>\n<\/ul>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<h4 class=\"wp-block-heading\" id=\"how-spps-compare-to-other-pension-plans\">Comparaison avec d\u2019autres r\u00e9gimes de retraite<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Comprendre les diff\u00e9rences entre les SPP et les options de pension plus \u00ab\u00a0compl\u00e8tes\u00a0\u00bb vous aide \u00e0 choisir la solution qui convient \u00e0 votre entreprise.<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\"><table class=\"has-background has-border-color has-theme-palette-6-border-color\" style=\"background-color:#39bd7b3b;border-width:2px\"><thead><tr><th>Plan<\/th><th>R\u00e9gime de retraite simplifi\u00e9 (PPS)<\/th><th>(Standard) R\u00e9gime de retraite \u00e0 prestations d\u00e9termin\u00e9es (DB)<\/th><th>R\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es (DC)<\/th><\/tr><\/thead><tbody><tr><td><strong>Revenu de retraite<\/strong><\/td><td>Bas\u00e9 sur les contributions + la croissance des investissements<\/td><td>Garanti, bas\u00e9 sur le salaire et les ann\u00e9es de service<\/td><td>Bas\u00e9 sur les contributions + la croissance des investissements<\/td><\/tr><tr><td><strong>Risque pour l\u2019employeur<\/strong><\/td><td>Faibles \u2014 contributions fixes<\/td><td>\u00c9lev\u00e9 \u2014 doit financer tout d\u00e9ficit<\/td><td>Faible \u2014 les contributions sont fixes<\/td><\/tr><tr><td><strong>Risque pour les employ\u00e9s<\/strong><\/td><td>Mod\u00e9r\u00e9 \u2014 li\u00e9 \u00e0 la performance des investissements<\/td><td>Faible \u2014 l\u2019employeur garantit un revenu<\/td><td>\u00c9lev\u00e9 \u2014 le revenu de retraite d\u00e9pend enti\u00e8rement des investissements<\/td><\/tr><tr><td><strong>L\u2019administration<\/strong><\/td><td>Configuration et gestion simples<\/td><td>Complexe \u2014 n\u00e9cessite des \u00e9valuations, une conformit\u00e9 stricte<\/td><td>Mod\u00e9r\u00e9 \u2014 plus de rapports et de supervision que le SPP<\/td><\/tr><tr><td><strong>Plafonds de cotisation<\/strong><\/td><td>Plafonds plus faibles (plafonds simplifi\u00e9s des cotisations aux r\u00e9gimes de retraite des employ\u00e9s)<\/td><td>Pas de plafonds fixes, mais co\u00fbteux pour les employeurs<\/td><td>Des limites plus \u00e9lev\u00e9es, plus de flexibilit\u00e9<\/td><\/tr><tr><td><strong>Meilleure ad\u00e9quation<\/strong><\/td><td>Les petites et moyennes entreprises ayant besoin de r\u00e9gimes de retraite abordables et conformes<\/td><td>Les grandes entreprises stables recherchent une forte r\u00e9tention et des avantages sociaux pr\u00e9visibles<\/td><td>Les entreprises de taille moyenne \u00e0 grande offrent flexibilit\u00e9 avec une capacit\u00e9 de contribution plus \u00e9lev\u00e9e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14686_8f6974-df{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14686_8f6974-df > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_8f6974-df > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_8f6974-df > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14686_8f6974-df{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_8f6974-df > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14686_8f6974-df > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id14686_8f6974-df > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14686_8f6974-df > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_8f6974-df alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_5ba545-01 > .kt-inside-inner-col,.kadence-column14686_5ba545-01 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_5ba545-01 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_5ba545-01 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_5ba545-01 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_5ba545-01 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_5ba545-01{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_5ba545-01 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_5ba545-01 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_5ba545-01\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14686_7194aa-8a > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14686_7194aa-8a{--kb-section-setting-offset:90px;}.kadence-column14686_7194aa-8a > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14686_7194aa-8a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_7194aa-8a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_7194aa-8a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14686_7194aa-8a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_7194aa-8a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_7194aa-8a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_7194aa-8a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_7194aa-8a{text-align:left;}.kadence-column14686_7194aa-8a{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14686_7194aa-8a{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_7194aa-8a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_7194aa-8a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14686_7194aa-8a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14686_7194aa-8a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_7194aa-8a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_7194aa-8a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_7194aa-8a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_7194aa-8a kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7, .wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7[data-kb-block=\"kb-adv-heading14686_3014a5-e7\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7[data-kb-block=\"kb-adv-heading14686_3014a5-e7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7[data-kb-block=\"kb-adv-heading14686_3014a5-e7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7, .wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7[data-kb-block=\"kb-adv-heading14686_3014a5-e7\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7, .wp-block-kadence-advancedheading.kt-adv-heading14686_3014a5-e7[data-kb-block=\"kb-adv-heading14686_3014a5-e7\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14686_3014a5-e7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_3014a5-e7\">Besoin d\u2019un r\u00e9gime de retraite adapt\u00e9 \u00e0 votre entreprise?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61, .wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61[data-kb-block=\"kb-adv-heading14686_a17fdf-61\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61[data-kb-block=\"kb-adv-heading14686_a17fdf-61\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61[data-kb-block=\"kb-adv-heading14686_a17fdf-61\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61, .wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61[data-kb-block=\"kb-adv-heading14686_a17fdf-61\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61, .wp-block-kadence-advancedheading.kt-adv-heading14686_a17fdf-61[data-kb-block=\"kb-adv-heading14686_a17fdf-61\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14686_a17fdf-61 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_a17fdf-61\">Que vous souhaitiez mettre en place un SPP pour votre entreprise ou que vous h\u00e9sitiez encore sur la formule la mieux adapt\u00e9e \u00e0 votre \u00e9quipe, nos conseillers en avantages collectifs peuvent mettre en place une solution cl\u00e9 en main, sans tracas.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{display:flex;}.kadence-column14686_0d6b34-5c > .kt-inside-inner-col,.kadence-column14686_0d6b34-5c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14686_0d6b34-5c > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14686_0d6b34-5c{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_0d6b34-5c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14686_0d6b34-5c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_0d6b34-5c{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14686_0d6b34-5c{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_0d6b34-5c{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14686_0d6b34-5c{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_0d6b34-5c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14686_0d6b34-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_0d6b34-5c\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1, .wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1, .wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1, .wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14686_43dc89-e1[data-kb-block=\"kb-adv-heading14686_43dc89-e1\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14686_43dc89-e1 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14686_43dc89-e1\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14686_7d500c-03{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14686_7d500c-03 .kt-button{font-weight:normal;font-style:normal;}.kt-btns14686_7d500c-03 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14686_7d500c-03 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14686_7d500c-03 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14686_7d500c-03 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14686_7d500c-03 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14686_7d500c-03 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14686_7d500c-03 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14686_7d500c-03{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14686_7d500c-03{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14686_7d500c-03\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14686_e8f335-8c.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14686_e8f335-8c.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14686_e8f335-8c kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-implement-a-simplified-pension-plan\">Comment mettre en \u0153uvre un r\u00e9gime de retraite simplifi\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Installer un RRS au Canada peut sembler complexe, mais avec la bonne approche, c\u2019est en r\u00e9alit\u00e9 simple et sans stress. Voici quatre \u00e9tapes concr\u00e8tes pour d\u00e9marrer : <\/p>\n\n\n<style>.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id14686_2d86e8-5a > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_2d86e8-5a > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_2d86e8-5a alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-4-columns kt-row-layout-two-grid kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_6bf883-ae > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column14686_6bf883-ae > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14686_6bf883-ae > .kt-inside-inner-col,.kadence-column14686_6bf883-ae > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14686_6bf883-ae > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_6bf883-ae > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_6bf883-ae > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_6bf883-ae > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_6bf883-ae{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_6bf883-ae > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_6bf883-ae > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_6bf883-ae\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 1 : S\u2019entourer des bons experts<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_59418e-02:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_59418e-02 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_59418e-02 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_59418e-02 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_59418e-02 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_59418e-02 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_4704d7-17 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_4704d7-17\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Travaillez avec un conseiller en avantages sociaux aux c\u00f4t\u00e9s d\u2019assureurs de confiance comme Sun Life, Manuvie, Canada Life ou RBC Insurance. Ensemble, ils vous aideront \u00e0 : <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<ul style=\"padding-left:var(--wp--preset--spacing--70)\" class=\"wp-block-list\">\n<li style=\"padding-left:0\">Comparez les options<\/li>\n\n\n\n<li style=\"padding-left:0\">Concevez un plan adapt\u00e9 \u00e0 votre personnel<\/li>\n\n\n\n<li style=\"padding-left:0\">Assurer la conformit\u00e9 d\u00e8s le d\u00e9part<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_49e1e4-ee > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-md, 2rem);}.kadence-column14686_49e1e4-ee > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14686_49e1e4-ee > .kt-inside-inner-col,.kadence-column14686_49e1e4-ee > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14686_49e1e4-ee > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_49e1e4-ee > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_49e1e4-ee > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_49e1e4-ee > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_49e1e4-ee{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_49e1e4-ee > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_49e1e4-ee > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_49e1e4-ee\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 2 : Structurer les cotisations<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b8ab81-cb:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b8ab81-cb ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b8ab81-cb ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_b8ab81-cb ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_b8ab81-cb ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_b8ab81-cb kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_2daafc-38 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_2daafc-38\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Choisissez votre mod\u00e8le de cotisation :<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<ol style=\"padding-left:var(--wp--preset--spacing--60)\" class=\"wp-block-list\">\n<li>Cotisations fixes de l\u2019employeur<\/li>\n\n\n\n<li>Formules de contrepartie pour stimuler la participation<\/li>\n\n\n\n<li>Options diff\u00e9renci\u00e9es pour les employ\u00e9s de longue date<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Gardez en t\u00eate les limites de cotisation pour \u00e9quilibrer l\u2019abordabilit\u00e9 et l\u2019impact.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_7280ba-9a > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column14686_7280ba-9a > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14686_7280ba-9a > .kt-inside-inner-col,.kadence-column14686_7280ba-9a > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14686_7280ba-9a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_7280ba-9a > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_7280ba-9a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_7280ba-9a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_7280ba-9a{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_7280ba-9a > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_7280ba-9a > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_7280ba-9a\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\"><strong>\u00c9tape 3 : Assurer la conformit\u00e9<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_76abaf-9b:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_76abaf-9b ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_76abaf-9b ul.kt-svg-icon-list{grid-row-gap:14px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_76abaf-9b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_76abaf-9b ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_76abaf-9b kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_a12637-9d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_a12637-9d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Assurez-vous que le r\u00e9gime choisi respecte les r\u00e8gles de l\u2019ARC et la l\u00e9gislation qu\u00e9b\u00e9coise sur les retraites, notamment en mati\u00e8re de rapports et d\u2019enregistrement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_b55dd5-c3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_b55dd5-c3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les conseillers et assureurs facilitent la reddition de comptes, g\u00e8rent la tenue de dossiers et vous aident \u00e0 demeurer pr\u00eat en cas de v\u00e9rification.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_dff82c-a3 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column14686_dff82c-a3 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);}.kadence-column14686_dff82c-a3 > .kt-inside-inner-col,.kadence-column14686_dff82c-a3 > .kt-inside-inner-col:before{border-top-left-radius:50px;border-top-right-radius:50px;border-bottom-right-radius:50px;border-bottom-left-radius:50px;}.kadence-column14686_dff82c-a3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_dff82c-a3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_dff82c-a3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_dff82c-a3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_dff82c-a3{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_dff82c-a3 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_dff82c-a3 > .kt-inside-inner-col{border-top:3px double var(--global-palette2, #2B6CB0);border-right:3px double var(--global-palette2, #2B6CB0);border-bottom:3px double var(--global-palette2, #2B6CB0);border-left:3px double var(--global-palette2, #2B6CB0);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_dff82c-a3\"><div class=\"kt-inside-inner-col\">\n<h5 class=\"wp-block-heading has-text-align-center has-medium-font-size\" id=\"step-1-assess-your-workforce-and-business-goals-1\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50)\"><strong>\u00c9tape 4 : Communiquez avec les employ\u00e9s<\/strong><\/h5>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_88bd3f-ec:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_88bd3f-ec ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_88bd3f-ec ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_88bd3f-ec ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_88bd3f-ec ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_88bd3f-ec kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_12c979-f5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_12c979-f5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_square kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Utilisez des explications simples, des guides destin\u00e9s aux employ\u00e9s et des outils en ligne (plusieurs assureurs offrent des portails) afin que vos \u00e9quipes comprennent le fonctionnement du r\u00e9gime et ses avantages. Plus la sensibilisation est grande, plus l\u2019engagement l\u2019est aussi.  <\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-image14686_8604a4-c4 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14686_8604a4-c4 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-working-office-taking-notes.webp\" alt=\"\" class=\"kb-img wp-image-14631\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-working-office-taking-notes.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-working-office-taking-notes-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/business-people-working-office-taking-notes-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"layering-spps-with-other-retirement-and-savings-tools\">Combiner le RRS avec d\u2019autres outils d\u2019\u00e9pargne et de retraite<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime de retraite simplifi\u00e9 est solide en soi, mais son efficacit\u00e9 augmente encore lorsqu\u2019il est combin\u00e9 \u00e0 d\u2019autres v\u00e9hicules d\u2019\u00e9pargne. Pour une PME, cette approche permet de concilier co\u00fbt ma\u00eetris\u00e9 pour l\u2019employeur et choix accru pour les employ\u00e9s. En combinant un SPP avec des r\u00e9gimes compl\u00e9mentaires, vous pouvez couvrir \u00e0 la fois vos besoins de retraite \u00e0 long terme et vos objectifs financiers \u00e0 plus court terme.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;column-gap:63px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28 ul.kt-svg-icon-list{grid-row-gap:23px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28 .kb-svg-icon-wrap{color:var(--global-palette2, #2B6CB0);}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_f9e7d0-28 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_f9e7d0-28:not(.kt-mobile-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_f9e7d0-28 kt-svg-icon-list-columns-2 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_d51556-70 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_d51556-70\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 1 : RRS + REER collectif<\/mark><\/strong><br>L\u2019association la plus courante : le RRS assure une base stable tandis que le REER collectif permet aux employ\u00e9s de cotiser davantage, avec des avantages fiscaux et plus de contr\u00f4le sur les placements.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_457ea0-eb .kt-svg-icon-list-single{color:var(--global-palette1, #3182CE) !important;}.kt-svg-icon-list-item-14686_457ea0-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_457ea0-eb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 2 : SPP + DPSP ou CELI<\/mark><\/strong><br>Un <strong><a href=\"https:\/\/www.manuvie.ca\/entreprises\/solutions-retraite-collectives\/regimes-et-solutions\/rpdb.html\" data-type=\"link\" data-id=\"https:\/\/www.manuvie.ca\/entreprises\/solutions-retraite-collectives\/regimes-et-solutions\/rpdb.html\" target=\"_blank\" rel=\"noopener\">r\u00e9gime de participation diff\u00e9r\u00e9e aux b\u00e9n\u00e9fices (RPDB)<\/a><\/strong> permet de r\u00e9compenser les employ\u00e9s les ann\u00e9es prosp\u00e8res, sans engagement permanent. Le CELI par retenue salariale, quant \u00e0 lui, soutient l\u2019\u00e9pargne \u00e0 court terme. Ensemble, ils cr\u00e9ent une offre plus personnalis\u00e9e et flexible. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_a84c96-7d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_a84c96-7d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 3 : SPP + r\u00e9gime de retraite \u00e0 cotisations d\u00e9termin\u00e9es<\/mark><\/strong><br>Pour les entreprises en croissance, combiner un RRS avec un <a href=\"https:\/\/twinn.ca\/fr\/regime-cotisation-determinee\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/regime-cotisation-determinee\/\">r\u00e9gime \u00e0 cotisations d\u00e9termin\u00e9es<\/a> permet de b\u00e2tir une structure \u00e9volutive. Le RRS assure la conformit\u00e9 imm\u00e9diate \u00e0 moindre co\u00fbt, tandis que le r\u00e9gime \u00e0 cotisations d\u00e9termin\u00e9es ouvre la porte \u00e0 des cotisations plus \u00e9lev\u00e9es et \u00e0 un potentiel d\u2019investissement \u00e0 long terme. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_345e4b-97 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_345e4b-97\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_cornerDownRight kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"15 10 20 15 15 20\"\/><path d=\"M4 4v7a4 4 0 0 0 4 4h12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-2-color\">Sc\u00e9nario 4 : Approches hybrides pour les petites \u00e9quipes<\/mark><\/strong><br>Toutes les \u00e9quipes n\u2019ont pas les m\u00eames besoins. Certaines entreprises offrent un RRS en plus de quelques options facultatives, laissant aux employ\u00e9s le choix de b\u00e2tir un \u00e9quilibre entre s\u00e9curit\u00e9 et flexibilit\u00e9. R\u00e9sultat, un \u00e9cosyst\u00e8me de retraite qui favorise l\u2019engagement et la r\u00e9tention en r\u00e9pondant aux priorit\u00e9s diverses de l\u2019\u00e9quipe.  <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"partnering-with-experts-to-build-smarter-pension-strategies\">S\u2019associer \u00e0 des experts pour des strat\u00e9gies de retraite optimis\u00e9es<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Entre les r\u00e8gles particuli\u00e8res du Qu\u00e9bec, la conformit\u00e9 f\u00e9d\u00e9rale et la n\u00e9cessit\u00e9 de structurer des cotisations qui respectent votre budget, m\u00eame un r\u00e9gime de retraite simplifi\u00e9 peut rapidement devenir complexe. C\u2019est l\u00e0 qu\u2019intervient le r\u00f4le d\u2019un<a href=\"https:\/\/twinn.ca\/fr\/services\/regime-retraite-collectif\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/services\/group-retirement-plan-pension\/\"> conseiller en garanties collectives.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec leur soutien, vous ne laissez rien au hasard, vous avez l\u2019assurance que votre r\u00e9gime est conforme et pertinent. Vous gagnez un partenaire qui adapte le RRS \u00e0 votre mod\u00e8le d\u2019affaires et aux besoins de vos employ\u00e9s. Plut\u00f4t que de porter seul le fardeau administratif et strat\u00e9gique, vous b\u00e9n\u00e9ficiez d\u2019un accompagnement pour aligner vos avantages de retraite avec la culture de votre entreprise, votre budget et vos objectifs \u00e0 long terme.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" id=\"here-s-how-a-benefits-advisor-can-help\">Voici comment un conseiller en garanties collectives peut vous aider :<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_340fe6-88:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_340fe6-88 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_340fe6-88 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14686_340fe6-88 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14686_340fe6-88 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14686_340fe6-88 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14686_b8fb2f-19 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_b8fb2f-19 kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Conception du r\u00e9gime :<\/strong> choisir entre un RRS autonome ou une combinaison avec d\u2019autres options (REER collectif, RPDB).<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_8704e3-f4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_8704e3-f4 kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Strat\u00e9gie de cotisation <\/strong>: structurer les cotisations (fixes, contrepartie ou diff\u00e9renci\u00e9es) afin de concilier contr\u00f4le des co\u00fbts et r\u00e9tention.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_1ffacf-ae .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_1ffacf-ae kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gestion de la conformit\u00e9 :<\/strong> naviguer \u00e0 travers les r\u00e8gles du Qu\u00e9bec et de l\u2019ARC sans risque de p\u00e9nalit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_28a1d1-57 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_28a1d1-57 kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Suivi continu :<\/strong> ajuster le r\u00e9gime \u00e0 mesure que votre effectif ou vos priorit\u00e9s \u00e9voluent.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14686_b43e39-ec .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14686_b43e39-ec kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9ducation des employ\u00e9s :<\/strong> fournir des ressources claires pour que vos \u00e9quipes comprennent et tirent pleinement parti de leurs avantages de retraite.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9sultat? Un r\u00e9gime conforme, efficace et r\u00e9ellement comp\u00e9titif sur le march\u00e9 de l\u2019emploi. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14686_4521b2-7d{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14686_4521b2-7d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_4521b2-7d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_4521b2-7d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(60% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(40% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14686_4521b2-7d{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14686_4521b2-7d > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14686_4521b2-7d > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id14686_4521b2-7d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14686_4521b2-7d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_4521b2-7d alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14686_e9259d-06 > .kt-inside-inner-col,.kadence-column14686_e9259d-06 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_e9259d-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_e9259d-06 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_e9259d-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_e9259d-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_e9259d-06{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_e9259d-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_e9259d-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_e9259d-06\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14686_2d3681-7f > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14686_2d3681-7f{--kb-section-setting-offset:90px;}.kadence-column14686_2d3681-7f > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14686_2d3681-7f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_2d3681-7f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_2d3681-7f > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14686_2d3681-7f{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_2d3681-7f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_2d3681-7f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_2d3681-7f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_2d3681-7f{text-align:left;}.kadence-column14686_2d3681-7f{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14686_2d3681-7f{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_2d3681-7f{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_2d3681-7f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14686_2d3681-7f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14686_2d3681-7f{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_2d3681-7f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_2d3681-7f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14686_2d3681-7f > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_2d3681-7f kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d, .wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d[data-kb-block=\"kb-adv-heading14686_6ee318-7d\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d[data-kb-block=\"kb-adv-heading14686_6ee318-7d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d[data-kb-block=\"kb-adv-heading14686_6ee318-7d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d, .wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d[data-kb-block=\"kb-adv-heading14686_6ee318-7d\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d, .wp-block-kadence-advancedheading.kt-adv-heading14686_6ee318-7d[data-kb-block=\"kb-adv-heading14686_6ee318-7d\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14686_6ee318-7d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_6ee318-7d\">Montrez \u00e0 votre \u00e9quipe que vous \u00eates investi dans leur avenir<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59, .wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59[data-kb-block=\"kb-adv-heading14686_6736c8-59\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59[data-kb-block=\"kb-adv-heading14686_6736c8-59\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59[data-kb-block=\"kb-adv-heading14686_6736c8-59\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59, .wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59[data-kb-block=\"kb-adv-heading14686_6736c8-59\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59, .wp-block-kadence-advancedheading.kt-adv-heading14686_6736c8-59[data-kb-block=\"kb-adv-heading14686_6736c8-59\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14686_6736c8-59 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_6736c8-59\">Explorez les r\u00e9gimes de retraite simplifi\u00e9s avec nos sp\u00e9cialistes et offrez \u00e0 vos employ\u00e9s une prestation de retraite qu\u2019ils appr\u00e9cieront.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{display:flex;}.kadence-column14686_8a9412-e6 > .kt-inside-inner-col,.kadence-column14686_8a9412-e6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14686_8a9412-e6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14686_8a9412-e6{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_8a9412-e6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14686_8a9412-e6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_8a9412-e6{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14686_8a9412-e6{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_8a9412-e6{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14686_8a9412-e6{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_8a9412-e6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14686_8a9412-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_8a9412-e6\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05, .wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05, .wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05, .wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14686_e3128f-05[data-kb-block=\"kb-adv-heading14686_e3128f-05\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14686_e3128f-05 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14686_e3128f-05\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14686_373ab7-04{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14686_373ab7-04 .kt-button{font-weight:normal;font-style:normal;}.kt-btns14686_373ab7-04 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14686_373ab7-04 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14686_373ab7-04 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14686_373ab7-04 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14686_373ab7-04 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14686_373ab7-04 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14686_373ab7-04 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14686_373ab7-04{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14686_373ab7-04{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14686_373ab7-04\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14686_32c0ae-64.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14686_32c0ae-64.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14686_32c0ae-64 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14686_3316fd-8a, .wp-block-kadence-advancedheading.kt-adv-heading14686_3316fd-8a[data-kb-block=\"kb-adv-heading14686_3316fd-8a\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14686_3316fd-8a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14686_3316fd-8a[data-kb-block=\"kb-adv-heading14686_3316fd-8a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14686_3316fd-8a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14686_3316fd-8a[data-kb-block=\"kb-adv-heading14686_3316fd-8a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading14686_3316fd-8a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14686_3316fd-8a\">Des questions? On a les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Encore quelques doutes? <\/em>Voici des r\u00e9ponses rapides aux pr\u00e9occupations les plus fr\u00e9quentes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kb-row-layout-id14686_70d2ef-5e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14686_70d2ef-5e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14686_70d2ef-5e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14686_70d2ef-5e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id14686_70d2ef-5e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14686_70d2ef-5e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14686_70d2ef-5e alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column14686_bea3f0-8f > .kt-inside-inner-col,.kadence-column14686_bea3f0-8f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14686_bea3f0-8f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14686_bea3f0-8f > .kt-inside-inner-col{flex-direction:column;}.kadence-column14686_bea3f0-8f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14686_bea3f0-8f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14686_bea3f0-8f{position:relative;}@media all and (max-width: 1024px){.kadence-column14686_bea3f0-8f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14686_bea3f0-8f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14686_bea3f0-8f inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-0551ed52 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/regime-retraite-simplifie\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Qui peut participer \u00e0 un r\u00e9gime de retraite simplifi\u00e9 au Canada?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En g\u00e9n\u00e9ral, les employ\u00e9s \u00e0 temps plein. L\u2019admissibilit\u00e9 des employ\u00e9s \u00e0 temps partiel ou saisonniers varie selon le r\u00e9gime.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Les r\u00e9gimes de retraite simplifi\u00e9s sont-ils obligatoires au Qu\u00e9bec?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Ils sont facultatifs, mais de nombreux petits employeurs les privil\u00e9gient plut\u00f4t que les VRSP en raison de leur simplicit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Peut-on combiner un r\u00e9gime de retraite simplifi\u00e9 avec d\u2019autres r\u00e9gimes?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Plusieurs employeurs les combinent avec des REER collectifs, des RPDB ou des CELI.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Comment les cotisations sont-elles impos\u00e9es?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les cotisations patronales sont g\u00e9n\u00e9ralement d\u00e9ductibles d\u2019imp\u00f4t. Les cotisations des employ\u00e9s r\u00e9duisent le revenu imposable et croissent \u00e0 l\u2019abri de l\u2019imp\u00f4t.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Les petites entreprises peuvent-elles se permettre un r\u00e9gime de retraite simplifi\u00e9?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Ils sont con\u00e7us pour \u00eatre simples \u00e0 g\u00e9rer, pr\u00e9visibles et adapt\u00e9s aux PME aux ressources limit\u00e9es.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Que se passe-t-il si un employ\u00e9 quitte l\u2019entreprise?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des r\u00e9gimes permettent de transf\u00e9rer les sommes accumul\u00e9es vers un autre v\u00e9hicule enregistr\u00e9 de retraite.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>Quels sont les trois principaux r\u00e9gimes de retraite au Canada?&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es (PD), les r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (CD) et les r\u00e9gimes de retraite simplifi\u00e9s (RRS), chacun offrant diff\u00e9rents niveaux de pr\u00e9visibilit\u00e9, de risque et de gestion.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-d3c2084c\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Qui peut participer \u00e0 un r\u00e9gime de retraite simplifi\u00e9 au Canada?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En g\u00e9n\u00e9ral, les employ\u00e9s \u00e0 temps plein. L\u2019admissibilit\u00e9 des employ\u00e9s \u00e0 temps partiel ou saisonniers varie selon le r\u00e9gime.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-c9321544\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Les r\u00e9gimes de retraite simplifi\u00e9s sont-ils obligatoires au Qu\u00e9bec?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Non. Ils sont facultatifs, mais de nombreux petits employeurs les privil\u00e9gient plut\u00f4t que les VRSP en raison de leur simplicit\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-5632d062\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Peut-on combiner un r\u00e9gime de retraite simplifi\u00e9 avec d\u2019autres r\u00e9gimes?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Plusieurs employeurs les combinent avec des REER collectifs, des RPDB ou des CELI.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-cade7c9b\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Comment les cotisations sont-elles impos\u00e9es?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les cotisations patronales sont g\u00e9n\u00e9ralement d\u00e9ductibles d\u2019imp\u00f4t. Les cotisations des employ\u00e9s r\u00e9duisent le revenu imposable et croissent \u00e0 l\u2019abri de l\u2019imp\u00f4t.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-5b0440d4\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Les petites entreprises peuvent-elles se permettre un r\u00e9gime de retraite simplifi\u00e9?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. Ils sont con\u00e7us pour \u00eatre simples \u00e0 g\u00e9rer, pr\u00e9visibles et adapt\u00e9s aux PME aux ressources limit\u00e9es.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-6ea77a62\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Que se passe-t-il si un employ\u00e9 quitte l\u2019entreprise?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>La plupart des r\u00e9gimes permettent de transf\u00e9rer les sommes accumul\u00e9es vers un autre v\u00e9hicule enregistr\u00e9 de retraite.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-078ca91f\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong>Quels sont les trois principaux r\u00e9gimes de retraite au Canada?<\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es (PD), les r\u00e9gimes \u00e0 cotisations d\u00e9termin\u00e9es (CD) et les r\u00e9gimes de retraite simplifi\u00e9s (RRS), chacun offrant diff\u00e9rents niveaux de pr\u00e9visibilit\u00e9, de risque et de gestion.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs-about-simplified-pension-plans\">En Bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9gime de retraite simplifi\u00e9 repr\u00e9sente une solution pratique pour les petites et moyennes entreprises qui souhaitent offrir des avantages de retraite significatifs tout en gardant l\u2019administration l\u00e9g\u00e8re.<br>Il permet aux employ\u00e9s de suivre une trajectoire de retraite stable, renforce la loyaut\u00e9, r\u00e9duit le roulement de personnel et valorise votre marque employeur. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En travaillant avec un conseiller en avantages sociaux, vous pourrez personnaliser le r\u00e9gime \u00e0 votre entreprise, optimiser vos cotisations et assurer la conformit\u00e9 r\u00e9glementaire. Bien mis en place, le r\u00e9gime de retraite simplifi\u00e9 devient bien plus qu\u2019un outil d\u2019\u00e9pargne : il constitue un pilier de votre programme d\u2019avantages sociaux, contribuant \u00e0 la satisfaction des employ\u00e9s et au succ\u00e8s durable de votre entreprise. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imaginez une PME en pleine croissance au Qu\u00e9bec. Vous avez d\u00e9j\u00e0 r\u00e9gl\u00e9 la question des vacances et des assurances collectives,&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14626,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[95],"tags":[],"post_folder":[],"class_list":["post-14686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regimes-de-retraite"],"acf":[],"taxonomy_info":{"category":[{"value":95,"label":"R\u00e9gimes de retraite"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/09\/people-working-office-medium-shot-1024x682.webp",1024,682,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":95,"name":"R\u00e9gimes de retraite","slug":"regimes-de-retraite","term_group":0,"term_taxonomy_id":95,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":95,"category_count":4,"category_description":"","cat_name":"R\u00e9gimes de retraite","category_nicename":"regimes-de-retraite","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14686","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=14686"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14686\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14626"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=14686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=14686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=14686"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=14686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}