If you are a high income earner, business owner, or incorporated professional an IPP is a suitable retirement planning strategy for you.

The primary candidates for IPPs are business owners, company executives and incorporated professionals over the age of 45 with an annual income of $100,000 or more.

An Individual Pension Plan (IPP) is an employer-sponsored defined benefit pension plan designed to provide enhanced retirement benefits and important tax advantages. Establishing an IPP can be complex, but we make it easy for you to create an IPP that’s right for you or your key employees.


An IPP offers several key benefits.

  • May provide higher contributions than permitted by Registered Retirement Savings Plans (RRSPs).
  • IPP investments grow on a tax-deferred basis.
  • A wide variety of pension eligible investments are available.
  • IPP contributions are tax-deductible to your corporation as the plan sponsor.
  • Employer contributions are not considered a taxable benefit for the employee.
  • Fees to set up and administer and the IPP are tax deductible by the employer.


An IPP could be ideal if you are:

  • An incorporated self-employed business owner or professional.
  • Between the ages of 40 and 71 with annual T4 income greater than $100,000.
  • An employer looking to enhance retirement benefits for a key employee.


Unlike an RRSP, the funds in an IPP will be locked in and access will be restricted until retirement and An annual filing with Canada Revenue Agency is required for IPPs.


Is an IPP right for you? Our team of experts can help you decide.

Contact us today for your no obligation consultation.

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