About Us
We've built the best asset protection and tax deferring vehicle in Canada
INTEGRIS is a fiduciary pension administration firm responsible for governance, regulatory compliance, and administrative oversight of pension plans serving incorporated professionals across Canada.
What is INTEGRIS Pension Management Corporation?
INTEGRIS offers incorporated business professionals and executives the most tax-efficient path to retirement savings. We act as a fiduciary between government and regulated partners to deliver truly personalized Personal Pension Plans (PPP®).
While we never take custody of assets, we design the strategy, implement the structure and steward the plan for decades, ensuring compliance while clients focus on building their businesses.
The PPP® eclipses traditional RRSPs, TFSAs, RESPs and IPPs by combining superior deductions, asset protection and intergenerational planning in a single framework.
Origin
After more than a decade practicing pension law at Bennett Jones, Fasken Martineau, Osler and other top-tier firms, Jean-Pierre Laporte set out to democratize pensions.
He saw firsthand how the advantages of defined benefit plans were reserved for large enterprises. The Personal Pension Plan™ was created to level the playing field for incorporated professionals.
Who is Jean-Pierre Laporte?
Jean-Pierre's academic path led through the University of Toronto, Osgoode Hall Law School and Sciences Po Paris. He is frequently called upon as an expert witness before the House of Commons Standing Committee on Finance and has authored numerous papers on pension reform.
In 2012 he received the Queen Elizabeth II Diamond Jubilee Medal for his leadership in developing innovative retirement savings vehicles.
In 2012, Jean-Pierre received the Queen Elizabeth II Diamond Jubilee Medal for his leadership in the development of new forms of retirement savings plans.
In the Press
Selected outlets that have featured INTEGRIS leadership.
2013No pension plan? A solution for those fending for themselves
The Globe and Mail profiles the Personal Pension Plan as a private-sector alternative to large public pensions for incorporated professionals and entrepreneurs.
Will the capital gains tax changes really jeopardize doctors’ retirement?
INTEGRIS CEO Jean-Pierre Laporte joins BNN Bloomberg on how incorporated professionals can shelter retirement savings amid the capital-gains changes.
Why this “mind-boggling” personal pension is gaining ground with doctors
Why the PPP® is gaining ground among physicians and other incorporated professionals.
The Journey
Initial
Income Tax Act amendments come into force, allowing for registered pension plans for individuals.
Progress
Province of Ontario adopts legislation giving certain professions the right to incorporate their practices, thereby giving them the opportunity to establish a registered pension plan.
Published
Pension lawyers Jean-Pierre Laporte and Sheldon Wayne publish "Individual Pension Plans: Are they worthy of a second look?" in the Estate Trust and Pension Law Journal, providing an early road map to the creation of INTEGRIS.
Established
INTEGRIS Pension Management Corp. is incorporated. SSQ Financial and Industrial Alliance become service providers (pension fund-holders) for INTEGRIS plans.
Acceptance
Canadian Western Trust becomes a pension plan fund-holder for MFDA, IIROC and ICPM investments.
Tax Legislation Change
Federal Government introduces tax legislation that virtually negates the advantage for business owners of receiving compensation from their private corporations in the form of non eligible dividends after factoring the corporate taxes paid. Many accountants revisit earlier advice to avoid T4 income (salary and/or bonuses) and adopt a more balanced approach making it possible for their clients to set up a PPP®.
Ontario Retirement Pension Plan
Ontario adopts Ontario Retirement Pension Plan legislation that mandated all Ontario employers to contribute to this new provincial plan. Clients with PPP®s are exempted from the new regime.
INTEGRIS PPP® Wholesale
INTEGRIS PPP®s are being sold in a number of provinces including B.C., Alberta, Saskatchewan, Ontario and Québec. INTEGRIS partners with Cygnus Investment Partners LP to give clientele access to the same private equity solutions that large pension plans have access to. Canadian Western Trust becomes a pension plan fund-holder for MFDA, IIROC and ICPM investments.
Canadian Controlled Private Corporations Changes
Federal Minister of Finance Bill Morneau introduces a package of tax reforms that impact entrepreneurs who operate their business through Canadian Controlled Private Corporations. These new measures make it virtually impossible to save for retirement by treating the private corporation as if it were a quasi-pension plan thereby further increasing the usefulness of Personal Pension Plans and Retirement Compensation Arrangements as tax-effective retirement solutions.
Changes to Investing assets passively
TOPI and TOSI Introduced The package of fiscal changes introduced by the federal government increases the tax on small companies that invest assets passively or tries to income split it with family members that aren't employed by the corporation. The PPP® provides a tax-effective manner to defer these new taxes.
Bill 213
In Ontario and New Brunswick, Provincial legislation exempts PPPs from provincial rules, thereby further reducing the cost of setting up and maintaining a PPP®.
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
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