Off the shelf solutions are ok if you don't mind the dust. At Ralph Moss Limited (RML), we pride ourselves in being a lot more innovative when it comes to setting up your benefit plan, advising on its financial management and continually looking for ways it can better serve both your objectives and the needs of the plan members.

We spend a great deal of time getting to know our clients before we propose solutions. And then we offer a range of approaches with information on the merits of each. Listening to our clients and then helping them understand a number of possibilities: that's how we work as we provide plan sponsors (employers and associations) with comprehensive flexible group benefit services within cost effective structures.