Save more and pay less tax every year with a Personal Pension Plan

Save more and pay less tax every year with a Personal Pension Plan
A world-class pension for business owners, incorporated professionals & high valued employees
Get Started
Your INTEGRIS Personal Pension Plan (PPP®)
The Personal Pension Plan™ (PPP®) is a wealth accumulation and tax savings solution specifically designed for business owners, associations, franchise owners or incorporated professionals like accountants, consultants, dentists, doctors, financial advisors, lawyers and many more to accumulate significantly more in retirement savings and pay less tax than most Canadians.
More tax deferring room
than any other vehicle
More tax deferring room
than any other vehicle
With the INTEGRIS PPP®, you can contribute more towards your retirement than what's allowed with an RRSP/TFSA or an existing IPP. Coupled with the power of compounding, this accumulates to larger savings when you retire.
Tax-free intergenerational wealth transfer

Tax-free intergenerational wealth transfer
Potentially pass wealth to your loved ones without triggering taxes on capital gains or probate fees.
Adapt your contributions to your business' cashflow
Low Cash Flow?
The INTEGRIS PPP® gives you the option to lower your contributions during downturns in the economy or your business and top up in better financial times.
High Cash Flow?
Have extra income during market downtowns? INTEGRIS PPP® allows you to take advantage of the market dips and tax defer more income to use towards your investments.
Find out if the INTEGRIS PPP® is the right solution for your investments
Invest in all asset classes
Invest in all asset classes
The rules surrounding the investments of pension plans are more liberal and allows for investments in asset classes that aren't available for an RRSP or TFSA such as land, units of limited partnerships and alternatives to name a few.
Find out if the INTEGRIS PPP® is the right solution for your investments
Get the highest level of creditor protection in Canada
Get the highest level of creditor protection in Canada
Should you or your business encounter financial difficulties, creditors cannot access your savings in the INTEGRIS PPP® to pay your debts. Your PPP®assets are protected and kept safe for your retirement.
Rest assured, your INTEGRIS PPP® is approved and regulated
by the Federal Government of Canada and Province/Territory of issue

The INTEGRIS PPP® is available in all Canadian provinces and territories
Assets stay managed by those you trust
Assets stay managed by those you trust
You may opt for your existing financial advisor to continue investing your assets or choose a reputable candidate from our Advisor Network.
Rest assured that INTEGRIS will never have access to your assets.
Contribute more during a bear market
Contribute more during a bear market
When the markets dip as we saw in March 2020, you will have until the end of the year to perform the following:
- Make up for the market losses by contributing more towards your INTEGRIS PPP® — thus more towards your retirement
- Since your company contributed more, this will increase the company's tax deductions
- Go "bargain hunting" with the new contributed funds within your INTEGRIS PPP®
- Profits taken from the sale of an investment are tax-free because you're in a pension plan
Fiduciary Oversight from the best professionals in Canada

Get the Fiduciary Oversight
of the best In Canada
The INTEGRIS Team is comprised of top pension lawyers, consultants and actuaries. We come together to supervise your Personal Pension Plan and ensure coordination between key stakeholders such as trustees, insurers, custodians and investment managers
In 2012, he was awarded the Queen Elizabeth II Diamond Jubilee Medal for his leadership in the development of new forms of retirement savings plans.
Reach your retirement goals faster
Do the math and see for yourself
Optimized to help as many Canadians as possible
Business Owners & Incorporated Professionals
The bread and butter of our Canadian economy. You can now shelter more income and collect larger tax refunds.
- Doctors
- Dentists
- Engineers
- IT Contractors
- Independent Consultants, Financial Advisors, Accountants
- ...
Not a shareholder?
You can have an INTEGRIS PPP® too!
Associations
Associations of all sizes can now offer their members the same benefits as other large associations. These include professionals, industry, sectoral, etc.
Franchises
Franchisors can now offer franchisees an opportunity to build up a personal pension for themselves and key employees without acting as the plan's sponsor. Franchisees can also set up their own pension plan through INTEGRIS
Find out if the INTEGRIS PPP® is the right solution for you.
Access new tax refunds and save money from the first day
Gain access to PPP® related tax deductions such as buy back, current service, double dips and more.
Pricing
Prices may vary depending on the number of plan members and investment type
Plan fee waived
- INTEGRIS annual fee waived by Portfolio Manager
- All Fees are Tax-deductible
- Fiduciary Oversight
- Intergenerational Wealth Transfer
- Creditor Protection
Plans starting from
- Use your own Portfolio Manager
- All Fees are Tax-deductible
- Fiduciary Oversight
- Intergenerational Wealth Transfer
- Creditor Protection
Setup Fee Waived
- Fiduciary Oversight
- Larger Tax Deductibles
- Intergenerational Wealth Transfer
- Creditor Protection
Be confident in your decision
To guarantee our customer satisfaction, each request is carefully reviewed to ensure that the INTEGRIS PPP® is the correct solution for you.
Upgrade your IPP
We've made the process of converting your Individual Pension Plan (IPP) to the INTEGRIS PPP® very easy. Upgrade your IPP today.
INTEGRIS clients can save up to $800,000 more for their retirement when compared with traditional RRSPs. Get Started today to see how much further ahead you will be.
Frequently Asked Questions
A pension plan is a retirement plan that requires an employer to make contributions to a pool of funds set aside for a worker's future benefit. The pool of funds is invested on the employee's behalf, and the earnings on the investments generate income to the worker upon retirement.
In addition to an employer's required contributions, some pension plans have a voluntary investment component. A pension plan may allow a worker to contribute part of his current income from wages into an investment plan to help fund retirement. The employer may also match a portion of the worker’s annual contributions, up to a specific percentage or dollar amount.
From Investopedia.com
No, you do not, however, you will need an employment relationship with a T4 income to qualify.
A Limited Partnership, General Partnership, Joint Partnership (example, law firm) or even a Sole Proprietor could offer a PPP to its employee (ie. wife, kid) if the employee is receiving T4 income. However, the partners themselves or the sole proprietor would not be eligible for a PPP. Why? because they cannot employ themselves and pay themselves T4 income.
Retained earnings have already faced corporate taxes. As well, they will face ongoing taxation if the annual gains exceed $50,000 CAD. Conversely, PPP contributions come straight from your revenues before they face corporate taxes. This is the power of the PPP.
Generally Yes. One of the main components of a pension plan is an employer / sponsor company that will make contributions towards a plan in which you are a member of.
The company or Professional Corporation sponsors the plan. The trustees hold the assets on behalf of the members and their beneficiaries. No one truly ‘owns’ the pension plan, since it is a bundle of liabilities/promises and corresponding assets.
There are 2 key instances where a PPP® would not be suitable for a prospect:
- Individuals who will treat the account as a special kind of short-term savings account to be used towards an upcoming expenditure before retirement. While it is possible to withdraw some funds in a certain situation or even opt for early retirement -- treating the PPP® as a short-term savings account is not the best strategy.
- Individuals who want to invest all of their money in a single security. If you think you've found the perfect stock and want to leverage all of the funds by concentrating on that stock, you will be prohibited from doing so in a PPP®. Like all pension plans, you cannot hold more than 10% of a single security within your PPP®.
Having the PPP will cover all fees 99% of the time but the best way to find out is by Getting Started
Yes, the INTEGRIS PPP® is available in all provinces and territories of Canada
TFSA
You can always contribute to your TFSA at all times, whether you have a PPP® or not.
RRSP
When you participate in a PPP®, this creates what we call "Pension Adjustments" or PA. The following year, the PA eliminates a lot of the RRSP contribution room generated during the year that contributions we made to the PPP. You have to understand that RRSP contribution room in 2020 is based on earned income in 2019, as such there is a lag.
That said, some RRSP contributions are still permitted in spite of the PA. For example, in the first year, one can contribute to the PPP and to the RRSP. Why? because the PA will only impact RRSP room for the next year. in other words, in the year that the RRSP room was created, the PPP did not exist thus no PA.
So, what can be contributed to an RRSP when a PPP is in place? In the first year: an RRSP contribution usually ranging from $6500 to $27,230. In subsequent years: The RRSP contribution is capped at $600 because of the PA system.
Yes, as long as you are getting a T4 from the organization.
Put simply -- the INTEGRIS PPP® is better in every way. For a full comparison click here
Yes. You can convert the IPP into a PPP® and gain the advantages of having a PPP®. It is an easy process that involves filing an amendment with the regulators and completing a few documents.
The first $2,000 of pension income received is eligible for the pension credit (reducing the taxes otherwise payable). Moreover, spouses can use the pension income splitting rules to allocate up to 50% of the pension income to a spouse who is not in receipt of a pension, thereby potentially moving the PPP® member’s tax bracket to a lower bracket and reducing the couple’s overall taxes in the process. When pension income splitting is used, the first $4,000 of pension income can be claimed as a ‘pension amount’ credit to further reduce individual taxes.
For each member:
- Proof of age – copy of driver’s license/passport that shows the name and date of birth
- Latest Notice of Assessment
- Latest RRSP statement for all RRSPs/LIRAs/LIFs/RRIFs etc.
- Document to verify the SIN Number - e.g. a T4 slip or a notice of assessment if the full SIN number is available.
- T4’s for every year buying back past service (PLEASE NOTE THIS CAN TAKE UP TO 6 MONTHS – TIPS ON HOW BEST TO OBTAIN T4s BELOW)
For the company that is sponsoring the plan:
- Articles/Certificate of Incorporation for the company
- Document to verify the CRA Business Number of the company that is sponsoring the pension plan – e.g. the first page of a corporate tax return or the T4 slip that shows the employer number
Tips for obtaining T4s:
- Request from your corporate accountant
- Request through the CRA website - (https://www.canada.ca/en/revenueagency/services/tax/individuals/topics/about-your-tax-return/taxreturn/completing-a-tax-return/tax-slips/a-copy-your-tax-slips.html)
- Contact CRA by phone 1-800-959-8281
- Use CRA Form AUT-01 to request on your clients’ behalf (can take 4-6 months)