Strategic benefit plan design and governance for Alberta employers, focusing on cost-effective benefit plans without any pressure or product bias, supported by an independent benefits advisor and thorough employee benefits analysis.
Strategic benefit plan design and governance for Alberta employers, focusing on cost-effective benefit plans without any pressure or product bias, supported by an independent benefits advisor and thorough employee benefits analysis.
Free webinar for HR leaders, plan administrators, advisors, and insurers, this session focuses on what matters in practice—not theory. You’ll learn how to protect both your business and your people, while keeping your benefits program efficient and compliant. Don’t miss out!
Benefits Unlimited is governed by the principles of integrity, transparency, and client-first service. With over 40 years of experience in the benefits industry—including management, sales, advising, and consulting—I now specialize as an independent benefits advisor, designing and managing cost-effective benefit plans.
Today’s workforce clearly needs more mental health support, financial wellness, and flexible options. Employers require benefit strategies that not only deliver real value but also avoid driving up costs.
My approach emphasizes aligning employee benefits analysis with overall business goals, ensuring that employees receive competitive and cost-effective options. I collaborate closely with employers and their advisors, utilizing data-driven insights to optimize all benefit offerings.
My commitment to transparency and straightforward communication sets me apart in the field of the Employee Benefits industry.
Best in Class Benefits
Why
What
What
Not every insurer can be the best in every line of benefit at all times. What if you could design a plan that used a variety of the best in class insurers for each and every line of benefit and still keep the administration of the plan user friendly?
What
What
What
I am able to build the best in class benefits program for your organization and then have the plan administration looked after for you, all on one platform, keeping it simple and effective for any benefits plan in Alberta.
Who
What
Who
I am an independent employee benefit and pension advisor/consultant with over 40 years of experience on both the insurer and consulting sides of the industry. I advise employers and leadership teams on benefits strategy, plan design, governance, flexibility, and cost management. I can give you objective, data-driven insights and a practic
I am an independent employee benefit and pension advisor/consultant with over 40 years of experience on both the insurer and consulting sides of the industry. I advise employers and leadership teams on benefits strategy, plan design, governance, flexibility, and cost management. I can give you objective, data-driven insights and a practical understanding of insurers, advisors, and employer decision-making.
About Benefits Unlimited
What I Do
I help companies create, design and manage group benefit plans that are cost-effective, competitive, and aligned with their business goals.
I am a strong believer in choice and flexibility - both for the employer and the employee, creating value for employees, along with cost sustainability.
I personally work with employers and their advisors to optimize benefit strategies, with a focus on delivering practical solutions that improve employee retention, control costs, and support a healthy, engaged workforce.
Clients value my straightforward, transparent approach and ability to solve complex problems with clarity and accountability.
Independent, objective, honest advice - without any pressure or product bias.
ADVISOR DISCLOSURE
I founded Benefits Unlimited Consulting and am a Certified Employee Benefits Specialist currently compliant, which is a formal recognition of the ongoing, career-long professional development that CEBS graduates maintain to best serve their plan participants, employers and other stakeholders.
I am licensed in the province of Alberta, offering products and services from a wide range of providers and insurers. I am not employed by any insurer and do not have any ownership interests in any insurance company. I work on a commission basis when clients appoint me as their Advisor of Record (AoR) or on a fee for service basis, in which clients pay Benefits Unlimited Consulting directly.
I owe my clients a duty of care under common law and exercise competence in understanding plan design, suitability, legal implications, and potential impacts for employees and employers. This includes ensuring recommendations are based on accurate and complete information and aligned with my client needs.
I am committed to providing independent, objective advice - without any pressure or product bias. Any potential or actual conflict of interest will be disclosed in writing and I will seek informed consent before proceeding with any work or service.
More About Benefits Unlimited
My Mission
My Mission
My Mission
Not every insurer can provide the best in every line of benefit at all times. However, what if you could design cost-effective benefit plans that utilize a variety of the best-in-class insurers for each line of benefit? This approach would allow for a comprehensive employee benefits analysis while still keeping the administration of the p
Not every insurer can provide the best in every line of benefit at all times. However, what if you could design cost-effective benefit plans that utilize a variety of the best-in-class insurers for each line of benefit? This approach would allow for a comprehensive employee benefits analysis while still keeping the administration of the plan user-friendly, with the guidance of an independent benefits advisor.
My Values
My Mission
My Mission
I can develop cost-effective benefit plans for your organization and manage the plan administration for you, all on one platform. This keeps it simple and effective for any benefits plan in Alberta, while providing a thorough employee benefits analysis as your independent benefits advisor.
About Me
My Mission
About Me
I am an independent benefits advisor with over 40 years of experience on both the insurer and consulting sides of the industry. I specialize in providing employers and leadership teams with cost-effective benefit plans and employee benefits analysis. My expertise includes advising on benefits strategy, plan design, governance, flexibility
I am an independent benefits advisor with over 40 years of experience on both the insurer and consulting sides of the industry. I specialize in providing employers and leadership teams with cost-effective benefit plans and employee benefits analysis. My expertise includes advising on benefits strategy, plan design, governance, flexibility, and cost management. I can offer you objective, data-driven insights and a practical understanding of insurer, advisor, and employer decision-making.
Choosing an Advisor?
My Belief
Questions to Ask Any Benefits Advisor
My Belief
I believe that your choice of an advisor should NOT be based solely on pricing.
All benefit advisors can adjust their pricing and typically are paid a similar level of commission and/or fees.
If you are looking for a guideline, just ask your advisor or ask me.
Also, your advisor should deal with many, if not all insurers.
I personally have
I believe that your choice of an advisor should NOT be based solely on pricing.
All benefit advisors can adjust their pricing and typically are paid a similar level of commission and/or fees.
If you are looking for a guideline, just ask your advisor or ask me.
Also, your advisor should deal with many, if not all insurers.
I personally have decades of experience advising and consulting in the employee benefits industry and have worked tirelessly to stay on top of the latest trends and developments, so that I can provide the best possible solutions to my client's problems and educate them to certain problems they may not know even exist.
MyOpinion
Questions to Ask Any Benefits Advisor
My Belief
Your choice of an advisor should be based on their knowledge and specialization in employee benefits.
You can check this by looking at their credentials CEBS, GBA, etc. The CEBS designation is a credential that is recognized for the depth and relevance of critical knowledge achieved by the advisor.
Human resources, benefits managers, admi
Your choice of an advisor should be based on their knowledge and specialization in employee benefits.
You can check this by looking at their credentials CEBS, GBA, etc. The CEBS designation is a credential that is recognized for the depth and relevance of critical knowledge achieved by the advisor.
Human resources, benefits managers, administrators, executives, generalists and even specialists benefit from dealing with sophisticated benefits advisors.
Check their website and other information available on the web, which should indicate that employee benefits and group insurance is their area of specialization.
Why? Many advisors are generalists, handling investments, life or disability insurance. It is vital that employee benefits is the area they specialize in and their primary focus.
As an employer, you need professionals to assist you with benefit decisions by applying their knowledge from day one. Arm yourself with comprehensive knowledge that leads to better engagement within your organization.
Questions to Ask Any Benefits Advisor
Questions to Ask Any Benefits Advisor
Questions to Ask Any Benefits Advisor
You should feel comfortable with your choice of an advisor and that they are trustworthy and are benefit specialists.
A benefits advisor or specialist should be able to answer the 3 following questions without going to others for answers or saying they'll get back to you. If they don’t understand the questions or can’t answer them, feel f
You should feel comfortable with your choice of an advisor and that they are trustworthy and are benefit specialists.
A benefits advisor or specialist should be able to answer the 3 following questions without going to others for answers or saying they'll get back to you. If they don’t understand the questions or can’t answer them, feel free to contact me for the correct answers.
How do you advise your clients to protect themselves from liability in the event an error is made in the administration of their benefits plan?
Is there any way an employer can pay 100% of the disability premium and have the claims payment still be provided tax-free to the employee?
When does the conversion privilege for group insurance with no medical underwriting expire?
These questions will help employers distinguish between a “plan seller” and a true advisor/partner who adds strategic value.
Forbesy's Blog
Employee Benefit Plan Questions?
Call or text me at 403 4041009
I am here to serve Albertans by providing expert advice as an independent benefits advisor. My goal is to help you navigate cost-effective benefit plans and conduct a thorough employee benefits analysis to ensure you get the best value for your needs.
Benefits Unlimited Consulting
145 Sandalwood Crescent, Sherwood Park, Alberta, Canada
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