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Pension plan specially designed for corporate shareholders
Let our team advise you on the best pension plan specially designed for corporate shareholders
An advantageous retirement strategy for incorporated professionals
For incorporated professionals and entrepreneurs, we offer the Individual Pension Plan (IPP), a tax-advantaged solution that allows retirement savings to grow through the company while reducing taxes. Ideal for those wishing to maximize their retirement capital over the long term.
Tax deductions
No tax to pay on employer contributions, and no taxable benefit for the shareholder either.
Higher RRSP contributions
IPP contributions increase from age 40 onwards, gradually rising to 31% of gross salary by age 65, allowing for a substantial increase in tax-sheltered retirement wealth.
Competitive costs
In addition to offering lower fees than the market, the fees are deductible for the company and not subject to GST/QST.
Installation
Thanks to our partnership with a team of actuaries specializing in IPPs, we can offer turnkey administration of this plan at very competitive administrative costs.
Investment
By creating a trust, we have access to all the investments available through our securities platform, as opposed to IPPs created with insurers that offer virtually only their in-house products.
Any questions?
FAQ
What's the difference between an individual plan and a group plan?
An individual plan is intended for self-employed workers, professionals or incorporated officers (e.g.: IPP, RRSP, RRIF, TFSA).
A group plan is offered by an employer to its employees (e.g.: group RRSP, RPP, DPSP), as part of an employee benefits program.
What is an Individual Pension Plan (IPP)?
The IPP is a tax-efficient solution for incorporated professionals. It allows the company to contribute on behalf of the shareholder or executive, while reducing its tax burden and maximizing long-term retirement savings.
Can I transfer my RRSPs to the IPP?
Yes, we can add an AVC (Additional Voluntary Contributions) component that allows existing RRSPs and RRSP space to be used in the IPP. The big advantage is that management fees are deductible.
Who can benefit from IPP?
Company shareholders aged between 40 and 71 who receive a salary, not a dividend.
Is the IPP more advantageous than an RRSP?
Yes, the IPP allows you to accumulate approximately 2x more retirement assets than an RRSP for a contributor starting at age 40.
Will my accountant charge me more?
