Low Cost Benefits Plans. For Ontario Small Businesses.
Plans from $100/employee — no HR department needed.
Employee benefits don’t need to be expensive, complicated, or all-or-nothing.
We help small businesses like yours understand their options, explore flexible solutions like Health Spending Accounts (HSAs), and build benefit plans that support employee retention without stretching the budget.
Never overspend on benefits again.
“Exceptional customer service.
Fabio, Dave and Tina Cerrone @ Green Star Construction
Passionate and knowledgeable.
Guidance Financial has consistently ensured we have the best coverage options available… expertise has helped us optimize our plans and control costs without sacrificing the quality of care for our company and our employees.”
You Want to Offer Benefits — But Don’t Know Where to Start
Business owners often tell us:
- “Benefits are probably too expensive.”
- “I don’t have time to manage a complicated plan.”
- “I’m not sure what employees actually value.”
- “Do I need to offer everything?”
- “What’s the smallest plan that still makes an impact?”
Sound familiar?
Better benefits means your whole company wins
A strong benefits plan can help support:
Employee Retention
Help employees feel valued, cared for, and invested in.
Recruitment
Compete for talent without matching the compensation budgets of larger employers.
Wellness
Support the physical, mental, and financial health of your team.
Predictable Costs
Explore options that help control costs while still providing meaningful value.
Start With These Free Guides
2026 Benefits Cost Guide for Canadian Small Business
Learn what impacts benefit costs, typical pricing ranges, and what most small businesses like yours include in their plans.
HSA vs Traditional Benefits Cheat Sheet
Understand the differences between Health Spending Accounts and traditional benefits plans, and learn why many businesses choose a hybrid approach.
Reach out to Matt for more information, resources and a complementary consultation or call him directly at (905) 320-4497.
How It Works
① Free Benefits Review
We learn about your business, employees, and goals.
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② Employee Values Assessment
Discover what your employees actually value.
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③ Plan Design
Explore options that fit your budget.
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④ Market Comparison
Compare multiple providers and solutions.
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⑤ Recommendation
Receive practical guidance and next steps.
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My name is Matt Reynolds.
I help Canadian small businesses create employee benefits plans that support hiring, retention, and long-term growth. My approach focuses on education, transparency, and ongoing partnership.
Having owned and operated a small business myself, I understand the challenges owners face when balancing employee needs with budget realities.
I can help you never overspend on benefits again.
Your Benefits FAQs
An HSA is a Health Spending Account.
Download my free guide for cost information, or book a call to discuss your unique situation
Yes. We will tailor a plan to meet your goals.
We can design plans for any number of employees, including owner-only plans.
We partner with you to reduce admin work, giving employees direct access to their plans online
Still have questions? Let’s talk. Book a free review with Matt today.
Do you need financial guidance?
Please contact one of our professional associates who will be happy to help.