The nature of work has changed dramatically over the last generation, and so has landscape of retirement savings. Careers are no longer based on employer; instead they are more often associated with profession. For example, a lawyer, engineer or physiotherapist does not work for one employer, firm or clinic throughout their career, but will maintain their professional designation. This is why the Canadian Physiotherapy Association (CPA) proposes changes to the Income Tax Act which would allow for professional associations to administer multi-employer pooled pension funds.

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