Group Health:
A Flexible, Service Driven Program
Benefits programs are individually designed
with flexibility and your unique organizational
needs in mind. Extended health, dental care,
life insurance, short and long term disability,
critical conditions coverage, employee
assistance plans, and health spending account
access can all be covered under the multioptional
program. By choosing options suited
to the particular firms, each CARM member
company can obtain a customized program at
lower cost rates then fixed, large-scale health
plans. Member companies are also eligible for
the powerful AQuity 360 program, ensuring
rate sustainability and time-saving services.
Group Retirement Solutions
Designated to help you attract, retain and
provide affordable retirement planning for
your employees, the CARM group RRSP/
DPSP program enables member companies
of all sizes to design tax-advantaged group
retirement savings programs with the flexibility
your business requires.
MEMBER BENEFITS
Some additional features are:
• Easy set-up and administration.
• Flexible and tailored to fit your
company’s needs.
• Lower management fees.
• Immediate tax savings to employer
and employee.
• Professional investment management.
• Access to individual financing counselling.
For more information on these programs,
please call:
AQ Group Solutions
220 – 226 Osborne St. N.
Winnipeg, MB R3C 1V4
Phone: 1-888-989-2006, 204-989-2006
Fax: 204-989-2009
benefits@aqgroupsolutions.com
www.aqgroupsolutions.com
Networking Opportunities
CARM hosts several social events throughout
the year which provide our member
companies the opportunity to network with
other members, government, design and
supply representatives.
RAF Engineering
(3865810 Manitoba Limited)
Engineering Consulting
3404 Rosser Avenue
Brandon, Manitoba
R7B 2P1
Phone: (204) 761-6411
Fax: (866) 354-7804
E-Mail: rfay@rafeng.com
www.rafeng.com
Ronald Fay, MBA, P.Eng
2019 CARM MEMBERSHIP DIRECTORY & BUYERS’ GUIDE 7
/www.aqgroupsolutions.com
/www.rafeng.com
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