Take Advantage of Improved Benefits within the

By improving on the limited nature of the traditional Individual Pension Plan (IPP), The Personal Pension Plan™ can provide greater flexibility, increased tax benefits and higher returns for professionals looking to expand their retirement options.

Shelter More Income

Build a larger retirement nest-egg with a Personal Pension Plan™ (PPP®) by increased contribution levels on an annual basis.

Greater Asset Safety

Savings within a pension plan are protected from the claims of trade creditors, with tax-exempt roll-over of existing RRSP assets providing additional protection.

Tax Deduction Of Fees

All investment, actuarial, administration and trustee fees related to a PPP® can be deducted from corporate income.

Mitigate Market Loss

Ensure full funding of your pension plan - additional tax-deductible contributions are allowed each year to top up a PPP®.

Greater compounding power with

The Personal Pension Plan™

The Personal Pension Plan™ is a Canadian tax-savings solution for business owners and incorporated professionals looking for a better way of saving for their retirement. As compared to an RRSP, a PPP® allows up to 60% greater tax-deferred compounding until the individual retires.

Contribution Flexibility
Unlike an RRSP, the combination potential within a PPP® allows a switch between Defined Benefit and Defined Contribution components to compensate for fluctuations in the economic climate of a business.

Features INTEGRIS™ Personal Pension Plan™ RRSP
Maximum Annual Contribution Limit $ 29,126 - $ 45,711* $ 27,230**
Flexibility to Choose Contribution Options
(Defined Benefit or Defined Contribution)
Fiduciary Oversight
Broader Investment Options
Robust Creditor Protection **
Tax Deductible Administration & Investment Management Fees
HST 33% Credit Refund
Deduction of Interest on Borrowing
Full Service Administration
Ability to Make Additional Tax Deductible Contributions During Market Volatility

* Increased Contribution levels are dependent on age of plan holder.
** RRSP may be protected by the Insurance Act of Ontario.

Greater Scope for Investments
The PPP® provides greater flexibility for investments in a wide range of non-traditional investment vehicles that are otherwise not available inside of an RRSP.

For more information

Let us know if you or your financial advisor have any questions on how to realize the full potential of the PPP®.