Fee reduction, as of August 1, 2025!
Good news! Starting August 1, 2025, your fees decreased from 1% to 0.9% (compared to a market average of 2.1%). The reduced fees will apply to all the CFD&A plans in the program and the retirement income options.
Introducing the Pension & Financial Wellness Program for Employees of Canadian Ford Dealers and Affiliates
The Canadian Ford Dealers & Affiliates Pension & Financial Wellness Program was established in 1994. Today, more than 4,500 members – just like you – are taking control of their financial future. Plan members now have access to voluntary Group RRSP and TFSA programs as additional savings vehicles, as well as Group RRIFs and LIFs to convert their savings into retirement income. The Financial Wellness Program is designed to support your entire financial journey – from early career to post-retirement, and every stage in between!
Your retirement savings can grow even faster through a combination of:
- Your contributions
- Dealership matching
- Immediate tax savings on most registered plans through payroll deductions
- Investment options carefully selected by the Program’s Board of Trustees
- Lower investment management fees compared to the retail sector
- Hassle-free investment solutions for every type of investor
- Post-retirement income fund options to provide retirement income within the Program
- Additional savings programs through RRSP and TFSA
Updated 2024 Pension Program Video
With the CFD&A Pension & Financial Wellness Program, you can:
- Save with ease – Enjoy low fees that keep more money in your pocket and employer contributions in the DC Pension Plan.
- Set it and forget it – With payroll deductions, saving is automatic and stress-free.
- Plan for every milestone – Whether you’re buying your first car, upgrading for a growing family, or planning for retirement, you’re in the driver’s seat with savings plans for every stage of your life.
Why Participate?
The Canadian Ford Dealers and Affiliates Pension and Financial Wellness Program provides effective and flexible ways to save for retirement and immediate savings goals. As your financial wellness journey continues through retirement, the Program is still there for you with Group RRIF/LIF products to fund your retirement dreams.
You will be provided with the tools to help you achieve your goals, but you need to take the first step and join!
Financial wellness is a journey. You decide your destination and can take advantage of these plans to get you well on your way. Read on to learn more!