JM Group Benefit Consultants
JM Group has served Canadian businesses with strategic group benefits solutions since 1991. Founded under the leadership of Michael Tse, the firm was built on a commitment to transparency, integrity, and advocacy for employers and their employees. Today, JM Group continues Michael’s Legacy by delivering thoughtful, sustainable benefit strategies designed for long-term success.
A well-designed group benefits program does more than provide coverage—it strengthens workplaces, supports people, and contributes to long-term organizational stability. Our role is to help employers make informed, confident decisions that balance cost, competitiveness, and employee well-being.
We are a boutique, independent group benefits advisory firm with more than three decades of industry experience serving BC employers. Over the years, we have worked with businesses of all sizes to simplify the complexities of employee benefits through transparent advice, detailed analysis, and hands-on support.
What Makes Us Different
Independent & Transparent Advice
Employers deserve a clear understanding of their benefit plans and financial commitments. We provide detailed renewal analysis, forward-looking projections, and practical guidance to help organizations plan with confidence.
Proprietary Block Arrangement Programs
Through long-standing industry relationships, we offer access to proprietary block arrangement programs that provide competitive pricing, stable renewals, and long-term cost control — options often unavailable through standard plans.
Personal, Responsive Service
We remain actively involved long after implementation. Clients work with a dedicated advisor for plan administration, renewals, claims support, and ongoing management because timely, responsive service matters.
Years in the Business
Established in 1991, serving BC and Canadian employers
Clients
Proud to have served over 131 businesses in finding the best group benefits for their employees
Our Story
JM Group Benefit Consultants was founded in 1991 with a clear purpose: to help employers navigate group benefits with honesty, clarity, and care. From the beginning, the firm focused on building trusted relationships and designing benefit programs that genuinely support employees—not just on paper, but in real life. As the benefits landscape has grown increasingly complex, JM Group has remained committed to thoughtful guidance, transparent advice, and solutions that evolve alongside the businesses and people they serve.
Today, the firm continues under the leadership of Kathryn Chao, whose consultative, education-first approach builds on decades of trust while thoughtfully guiding JM Group forward. By remaining independent, locally rooted, and intentionally boutique, JM Group delivers personalized service, proprietary cost advantages, and long-term partnerships that larger firms often cannot provide. The result is a benefits experience grounded in integrity, responsiveness, and continuity—supporting BC employers in taking care of their people today and into the future.
Join Us
Our Clients Are Long-Term Partners
We believe strong client relationships are built on trust, consistency, and showing up when it matters most. Many of our clients have worked with us for years—some for decades—because we take the time to understand their businesses and the people behind them. When questions arise or challenges emerge, clients can expect thoughtful guidance, clear answers, and reliable, ongoing support.
Who We Are
Kathryn Chao
Kathryn Chao is the Principal Advisor of JM Group Benefit Consultants, bringing more than 16 years of experience in group benefits consulting and plan design.
After completing her degree at Simon Fraser University, Kathryn began her career with a leading Canadian insurance provider, where she developed deep expertise across all aspects of employee group benefits — from plan design and underwriting to renewals and long-term cost management. During this time, she worked with employers ranging from small, closely held businesses to large organizations with complex benefit needs.
Over the course of her career, Kathryn not only supported clients directly but also trained and mentored hundreds of advisors. This experience revealed a persistent gap in industry education and transparency, shaping her consultative, education-first approach. Today, she focuses on helping employers clearly understand their benefit programs, anticipate future costs, ,and build sustainable plans aligned with their business goals.
As an independent advisor, Kathryn is committed to providing thoughtful guidance, continuity, and direct oversight ensuring clients receive senior-level advice and a long-term partnership rather than transactional service.
Outside of her professional work, Kathryn values community involvement and meaningful experiences and she enjoys spending time with family and friends.
