Matt brings over 20 years of hands-on experience in the Employee Benefits industry, having learned the business from the ground up. Although it was not what he had planned when graduating from the marketing program at NAIT, he discovered a passion for guiding business owners through the complex and evolving world of employee benefits. With a wealth of situational and technical expertise, Matt chose to take the leap to start his own firm based on his own vision for the industry. Joining the HGA partnership allows him to offer support to his clients beyond just health benefits, and to create impactful relationships with others in the business industry. Outside of work, Matt enjoys spending time outdoors, whether it’s exploring nature, relaxing with family at the lake, golfing, or pursuing his passions to the fullest.
At HGA, our approach to employee benefits goes beyond brokering plans—we aim to foster workplaces where people feel valued, healthy, and empowered. Benefits aren’t just perks; they’re strategic investments in people, with the potential to transform businesses from the inside out. We believe that when employees are healthy and supported, productivity, loyalty, and innovation flourish. We’re here to help organizations realize the true value of benefits, building programs that not only support employees’ well-being but also contribute directly to the growth and success of the business. Our commitment to clarity, customization, and impactful results means that clients can trust us to provide more than just a plan—we provide the foundation for a stronger, more resilient workforce.
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Matt Fraser
President -
Melissa Fraser
Executive Assistant -
Rafaela Khalimov
Business Development Representative -
Michael Fugleberg
Entrepreneur Connection Specialist
Matt Fraser
President
Melissa Fraser
Executive Assistant
As a NAIT Office Administration graduate, Melissa has enjoyed being in an organizational role for most of her career. She spent 11 years with Stantec as Executive Assistant, and then grew her own digital artwork business for another decade. Melissa’s excited to get back into executive support work, assisting her husband and new owner, Matt Fraser. She looks forward to helping HGA Employee Benefits bring forward their fresh perspective on Employee Benefits. She’ll be assisting and advising on marketing strategies, accounting, and workflow procedures/documentation.
Rafaela Khalimov
Business Development Representative
Rafaela brings energy, clarity, and a consultative approach to her role at HGA. She focuses on connecting with HR and Finance leaders, helping organizations simplify benefits processes, reduce administrative burden, and optimize cost controls. With her natural ability to ask the right questions, she uncovers opportunities that lead to meaningful conversations between prospects and your benefits specialists.
Michael Fugleberg
Entrepreneur Connection Specialist
Growing up in an entrepreneurial family, business has always been a core part of who Michael is. From 2004 to 2021, he owned and operated several ventures, including construction, RV rentals, and commercial and residential real estate. He is passionate about building relationships, fostering innovation, and creating opportunities. Outside of work, he enjoys hockey, golf, BMX racing, music, and birds of prey. He shares life’s adventures with his incredible wife Megan, their two sons Cole and Eric, and their dog Molly.
Additional Info
Employee Benefits, Group Retirement, Wellness & Cost Control — Integrated Within HGA Group
We simplify employee benefits administration and procurement, reducing the time, confusion, and back-and-forth typically associated with renewals, carrier negotiations, and plan changes.
You didn’t start your business to decipher benefits renewals, chase insurers, or wonder if your plan is helping, or quietly hurting, your bottom line.
You want to attract and keep great people without overpaying, overcomplicating, or exposing your business to unnecessary risk.
At HGA Employee Benefits, we design and manage group benefits programs for Edmonton’s owner-managed companies that support retention, control costs, and align with your broader business strategy.
These aren’t “set-it-and-forget-it” benefits. It’s thoughtful, coordinated planning built around how your business really operates.
1. Benefits Plans That Attract and Retain the Right People
Competitive benefits matter, but only when they’re designed intentionally.
We build benefits programs that support recruitment and retention without inflating costs, helping you stay competitive in the market while reinforcing the culture you want to build.
Plans are structured to support:
- Talent attraction in tight labour markets
- Retention of high-performing team members
- Clear communication employees understand
2. Cost Control Without Cutting Corners
Benefits should support your people and your profitability.
We make benefit adjustments straightforward and strategic. Rather than purchasing everything from a single carrier, we help you select the strongest components from multiple providers and customize a plan built around your needs. The carriers adapt to your business — not the other way around.
The result is a benefits program that stays aligned with your business, not one that slowly drifts out of control.
3. Tax-Efficient Benefits That Work With Your Business Structure
Benefits planning doesn’t exist in isolation.
Because we work directly with HGA CPA, HGA People, and HGA Wealth, your benefits plan is designed to complement compensation strategy, payroll structure, and long-term planning, maximizing tax efficiency while staying compliant.
This coordination helps ensure benefits:
- Support overall compensation strategy
- Align with tax planning decisions
- Reinforce long-term business and owner goals
Most benefits advisors operate independently. We don’t.
Because HGA Employee Benefits operates inside the HGA Group ecosystem, your benefits strategy is coordinated daily with:
- HGA People on recruitment, retention, and HR compliance
- HGA CPA on tax efficiency and payroll planning
- HGA Wealth on owner and executive planning
- HGA Law LLP when benefits intersect with employment or governance considerations
This integration eliminates blind spots and ensures your benefits program supports, and not conflicts with, your broader business strategy.
- Stronger retention and reduced turnover costs
- Better employee engagement and clarity around benefits
- Controlled benefit spend with fewer renewal surprises
- Alignment between benefits, HR, tax, and compensation strategy
- Peace of mind knowing your plan is working as intended
We give you greater control over your plan instead of being driven by carrier constraints. When change becomes easier to implement, the dynamic shifts, allowing employers to proactively chart a clearer, more strategic course.
Instead of reacting to renewals and complaints, you gain a benefits strategy that supports growth and stability.
Ready for a new benefits experience, that you own?
→ Book a benefits strategy conversation today!
We’ll review your current plan, identify inefficiencies, and show you how a coordinated benefits strategy can support your people and your business—without unnecessary cost or complexity.