Personal Pension Plans

It is a Canadian tax-savings solution for business owners and incorporated companies looking for a better way of saving for their retirement.

As compared to an RRSP, the pension solution allows up to 60% greater tax-deferred compounding until the individual retires.

Learn more about what we can offer

Benefits of this PPP solution:

Shelter More Income - The ability to build a larger retirement nest-egg with increased contribution levels on an annual basis.
Safety of Your Assets - Your savings within a pension plan are protected from the claims of trade creditors and furthermore, offer tax-exempt roll-over of existing RRSP assets which will provide further protection of all registered assets.
Tax Deduction of Fees - The ability to deduct all investment, actuarial, administration and trustee fees related to your account from corporate income.
Mitigating Market Losses - The Pension Plan allows the sponsor to make additional tax-deductible contributions each year to top up your account if investment returns are less than expected to ensure full funding of your pension plan.
Contribution Flexibility - Offers a combination plan that allows you to switch between Defined Benefit (DB) and Defined Contribution (DC) components to allow for changes in the economic climate of the business.
Greater Scope for Investments – a PPP provides the flexibility to invest in a wide range of non-traditional investment vehicles that are otherwise not available inside of an RRSP, such as real estate.

Read more about the Benefits of a PPP

 Personal Pension Plan

Business owners and incorporated professionals (doctors, lawyers, accountants, consultants etc.)

Did you know that 75% of small business owners are saving less than $100K for their retirement?

This can prompt a retirement crisis for Canada. Learn how an INTEGRIS Personal Pension Plan (PPP) can help you avert this crisis.