BUSINESS NEWSLETTER
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Q4 2025
Finish your business year with a bang
The treat baskets and holiday cards have begun to roll in. Staff Christmas parties are in full swing, and thoughts turn to the festive season ahead.
As a business owner, though, there’s more to wrapping up the year than feasting and fun. It’s a time for gazing introspectively in the rearview and forward to the opportunities on the horizon.
Let’s explore some things you can do to finish strong and prepare for the year ahead!
Year-End Checklist for Business Owners
The end of the calendar year is a great time to take stock of where your business and employees are at. Here are a few things to explore to help end the year strong.
Don’t Leave Value on the Table
Employee benefits often get reviewed only when something goes wrong, but year-end is the perfect time to make sure they’re working as hard as they can for both your organization and your employees.
Audit Participation Rates
Are employees fully making use of the benefits you provide? If not, a quick survey could uncover what they value most.
Consider Year-end Pension Bonus
Offering a year-end bonus? A lump sum contribution to your employees’ SPP shows you’re thinking about their future!
Use Benefits Strategically
Enhancing benefits before year-end can increase employee satisfaction while helping reduce turnover.
Practical Tip: Create a quick one-page benefits summary or email for employees to remind them of what’s available. It boosts engagement and reinforces your investment in them.
Check the Pulse Before the New Year
Year-end is a natural time to think about your team. Beyond paycheques, benefits and workplace culture can have a huge influence on keeping good people (and attracting more).
Examine Staffing
How many positions were vacated or filled this year? What level were those positions and how did it affect the organization? What did it cost?
Gauge Satisfaction
How is staff feeling about their work and environment? Even a quick survey or one-on-one check-in can uncover what employees value most.
Align Benefits with Needs
Which benefits help staff AND your organization? Programs like SPP can boost loyalty while also being tax-smart for your business.
Practical Tip: Ask employees one simple year-end question: “What benefit or resource would make your work-life balance easier next year?” The answers may surprise you and help guide smarter investments.
Maximize Your Deductions
Retirement savings aren’t just for individuals. They can be a powerful tool for small businesses to help save on taxes at year-end, too.
Leverage Tax-Deductible Contributions
Contributions to plans like SPP can reduce taxable income while rewarding employees.
Boost Retirement and Retention
Offering a retirement benefit makes your business more attractive to potential hires and can strengthen loyalty among current staff.
Use Contributions to Balance Income
If this was a profitable year, contributing now can offset taxable income; if next year looks tighter, you’ll have already taken advantage of the deduction.
Practical Tip: Set up an automatic contribution plan for 2026. Spreading contributions throughout the year is easier on cash flow than lump sums at year-end.
Retirement contributions can be structured as deductible expenses, lowering your year-end tax bill while boosting employee loyalty.
Learn how other businesses are using SPP to retain talent
See how ProActive Fitness is using SPP to retain and reward their rockstar employees.
Watch Video
Updates from your SPP team
Thank you to Executive Director, Shannan Corey
After four and a half years, Shannan Corey is retiring from her position as Executive Director of SPP. Under Shannan’s leadership, SPP has navigated extensive transformational change, ensuring the organization, systems, products and strategies are positioned to support long-term growth. Her leadership resulted in more sustainable outcomes that enhance retirement security for our members. 
Please join us in extending our heartfelt thanks to Shannan for her guidance, commitment and passion. We wish her all the best, wherever her future plans take her!
Welcome to our new CEO, Chad Hilton!
Chad brings more than 20 years of progressive leadership experience in the financial services sector, having led teams across retail & business banking and wealth management.
Most recently, he served as Regional Vice President at BMO. Prior to that, he held several senior leadership roles with CIBC, where he was recognized for building client-centric teams, driving growth, and leading large-scale organizational change initiatives.
Let's Connect!
ABEX Awards
SPP Executive Director Shannan Corey had the honour and privilege of presenting the Non-Profit Impact Award at the ABEX Awards put on by the Saskatchewan Chamber of Commerce. 
Congratulations to all the finalists and award winners across all categories but a special congratulations to the Non-Profit Impact Award Winner, Saskatchewan Science Centre. It was such a wonderful experience getting to know you, your business, and the value you add to our community.
Health and Wellness Expo
SPP participated in the Health and Wellness Expo in Saskatoon on November 1st and 2nd. It was a great opportunity for our Business Development team to raise awareness about the importance of financial wellness and to share how SPP can help individuals build their retirement dreams.
Make the most of SPP for your business
Regularly review your SPP MyBusiness account to ensure your employees are set up and contributing. Also, don’t forget to remove employees who are no longer with your organisation.
Sign in to MyBusiness
Have questions? Need a refresher for staff? Need help getting your business account up and running? Get in touch!
EMAIL US
info@saskpension.com
CALL US
1-800-667-7153