Included with every INTEGRIS PPP®
Fiduciary oversight,
for the life of your plan.
A Personal Pension Plan brings together six specialists — actuaries, investment manager, accountant, trustee and custodian. INTEGRIS coordinates them all on your behalf, year after year, so nothing is missed and every opportunity is captured.
How a PPP® works
Six specialists, working as one
Behind every plan is a team of specialist professionals, each with a distinct role. INTEGRIS sits at the centre, coordinating them all on your behalf.
- INTEGRISCoordinates every specialist and keeps your plan optimized through ongoing fiduciary oversight.
- ActuariesAdministrative and actuarial calculations.
- Investment ManagerMoney management and wealth accumulation.
- AccountantTax planning and filings.
- TrusteeSafekeeping of your plan’s assets.
- CustodianRecord keeping.
What ongoing oversight looks like
The work most providers leave undone
Setting up a plan is the easy part. Fiduciary oversight is everything that happens afterward. A selection of where INTEGRIS steps in over the life of your plan:
Marriage breakdown
Guiding the division of pension entitlements when a marriage ends.
Surplus reversion
Preparing surplus reversion applications and handling communications and appeals with regulators.
Business-sale support
Corporate-law support when a business is sold — including assigning the plan to a new sponsor.
Actuarial audit
Independently reviewing the work of your actuarial service providers.
Advocacy
Engaging with tax and pension authorities — including the Department of Finance and provincial governments — on behalf of plan sponsors.
Tax optimization
Coordinating intergenerational transfers, terminal funding, the lifetime capital gains exemption and surplus management with your tax and legal advisors.
Specialized structures
Establishing and managing tax-exempt pension holding corporations for alternative investments.
Some of this is part of your ongoing oversight; specialized work — valuations, amendments, calculations, plan windups — is handled by INTEGRIS and its specialist partners at clear, fixed fees, usually for less than going outside.
Free consultation
Review your plan whenever you want
Book a free consultation whenever you’d like to be sure your plan is working as hard as it can. We’ll go through a checklist of optimization opportunities together — a few of the things we look at:
- Past-service buy-back
- Adding family members to the plan
- Moving leftover RRSP funds into your AVC account
- The HST pension entity rebate
It’s free and there’s no obligation — book it whenever you’re ready, with your questions in hand.
Why it matters
Expertise in-house, not outsourced
INTEGRIS brings pension lawyers and consultants in-house, supervises the actuaries who prepare your valuations, and coordinates with your own accountant and advisors. The oversight — and a consultation whenever you book one — comes with being a client; the specialized work it surfaces is handled at clear, fixed fees, usually for less than engaging outside specialists.
Common questions
Fiduciary oversight, explained
It’s the ongoing supervision INTEGRIS provides over your Personal Pension Plan. Rather than simply setting up the plan, we coordinate the actuaries, investment manager, accountant, trustee and custodian — and we continually review your file to keep it optimized and compliant.
Make the most of every feature your plan offers
A free consultation is the simplest way to be sure you’re benefiting from everything the INTEGRIS PPP® has to offer.