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
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Your INTEGRIS Personal Pension Plan
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.
Advantages of the PPP® vs IPP
Want to defer even more? Ask about our
RCA upgrade
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, our CEO 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 Advisor
- All Fees are Tax-deductible
- Fiduciary Oversight
- Intergenerational Wealth Transfer
- Creditor Protection
Consulting and Audit Fee
- 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 often save $800,000 1 or more for their retirement when compared with traditional RRSPs. Get Started today to see how much further ahead you will be.
1. Calculated by looking at the difference between RRSP and Defined Benefit contributions over the life of a plan, assuming an identical rate of return