Power your group savings offering with LINK's recordkeeping platform.
Launch a private-label workplace savings offering under your own brand with your desired portfolios, without building the platform, the custody, or the operations. LINK runs all the recordkeeping for your plans behind the scenes, and doesn't compete for your clients.
BMO × LINK Workplace Savings
BMO is the first major Canadian bank to offer ETF-based group plans through a third-party platform. Launched in April 2025, the solution gives BMO's institutional and advisor networks low-fee group plan options built on BMO's ETF portfolios.
- Flat fee structure
- No employer setup fees
- ETF-based portfolios
Wealth at work is wide open
Workplace savings is one of the largest underserved markets in Canadian finance, and incumbents have left room for partners with the right platform behind them.
Canadian capital accumulation plan assets
held by three insurers; banks and new entrants remain in the single digits
of working Canadians have any workplace savings plan at all
Three lanes, one platform
Whether you're embedding LINK into an existing financial product or building a new employee benefits offering, we have a structured path for you.
Financial Institutions
Embed ETF-based group retirement plans into your existing advisor channel or corporate banking offering. LINK provides the platform, custodial infrastructure, and ongoing operations. You maintain the client relationship. Your ETF lineup, your brand.
- Private-label platform
- Open architecture shelf
- Advisor portal
- SOC 2 Type II compliant
Payroll & HR Platforms
Add employer-sponsored group retirement to your benefits module. LINK's API-first platform integrates with major Canadian payroll systems. Automated contribution sync, employee self-enrollment, and real-time reporting, with zero administrative lift for your clients.
- API-first integrations
- Automated payroll sync
- Self-enrollment flow
- Real-time reporting
Benefits Brokers & Advisors
Offer clients a differentiated group retirement solution without building your own platform. Configurable compensation, advisor dashboards, and LINK's white-glove client success team behind every plan. Expand your practice. Lower your admin.
- Configurable commission
- Advisor dashboards
- White-glove CS
- Book transition support
Infrastructure, not a competitor
LINK is a Canadian fintech that runs workplace savings plans on behalf of the organizations that distribute them. You keep your brand and your clients. We run the platform behind them.
Your brand stays front and centre
Every member-facing touchpoint is configured to your brand: custom domains, colours, and your own investment shelf. Members see your brand from the moment they enrol.
Our platform runs behind it
You offer the plan; we operate it. Onboarding, recordkeeping and administration run on LINK, with investment management by LINK Plan Management Inc. and assets held by qualified custodians.
Clients you bring stay yours
Your client relationship is yours. LINK's only job is to make your offering work.
A low-lift entry into a growth market
Live in about 90 days, with no platform to build. Start where there is nothing to migrate, then deepen the relationship over time.
Phased entry, no build
Your brand and your investment products run on LINK infrastructure, with custody, trading and trust services through regulated providers.
Start with net-new clients
Prove the model where there is nothing to migrate. Your channels generate referrals; LINK runs onboarding and administration.
Move your book
When you're ready, bring existing clients' plans onto LINK. A dedicated transition team manages each move from the current provider.
Grow into the strategy
Work with us to add deeper integrations with your systems, and connections that funnel employees from workplace plans into your ecosystem.
Ready to explore a partnership?
Tell us about your organization and what you're looking to build. Our partnerships team will reach out within one business day.