For Accountants
INTEGRIS for Accountants
Help incorporated clients shelter more income, create larger deductions and coordinate tax planning with a modern pension strategy.
5 Tax Deductions
Unlock additional corporate deductions beyond RRSP contributions
Clean Workpapers
We handle actuarial valuations, filings, and pension adjustments
Expert Support
Our team supports you and your clients every step of the way
INTEGRIS is a fiduciary pension administration firm responsible for governance, regulatory compliance, and administrative oversight of pension plans serving incorporated professionals across Canada.
Strategic Advice
Offer your clients the Ultimate Tax Sheltering Vehicle
By encouraging your clients to save through an INTEGRIS PPP® instead of an RRSP, Accountants are providing another tax-efficient way of accumulating a sizeable nest egg for retirement with pre-tax dollars. Accountants will also be asked to prepare the pension accounting elements of the client's corporate financial statements as a result of the move into a pension plan.
Additional Savings
The PPP® provides for additional savings that complement any existing dividend splitting strategy that has been adopted by your client.
Great Support
Rest assured that the amazing staff at INTEGRIS are here to support you and your client's needs every step of the way.
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PPP® Quotation
5 Tax Deductions
PPP Contributions
Yes, both Corporate and Employee contributions can be deducted on tax returns.
Administration and Investment Management Fees
Yes. Under general tax rules of eligible business expenses and CRA administrative rules.
Special Payments
Yes. If assets in pension fund do not grow at the rate prescribed by the CRA, these payments can be amortized over a 5-year Period or can be paid in a lump sum.
Buy Back of Past Service
For DB component of plan only. Provides corporate sponsor with the ability to claim an additional tax deduction in the year of contribution for the purchase of past service. Can go as far back as 1991.
Terminal Funding
For DB component of plan only. Provides corporate sponsor the ability to claim an additional tax deduction at the time of retirement when additional benefits (indexing, CPP bridge, early unreduced pension) are purchased.
Get started with a Distributor account and start offering the INTEGRIS PPP® to your clients today.
Get StartedTraining
Training and support
Excited about the PPP® but want a deeper technical foundation before presenting it? The INTEGRIS Advanced Knowledge Center delivers just that.
Gain the confidence to articulate actuarial concepts, tax mechanics and succession planning strategies in plain language.
PPP 101
Personal Pension Planning for Corporate Owner-Managers
Understand how pension legislation can solve wealth and tax challenges for incorporated professionals in the new CCPC landscape.
Learn moreWhy Accountants Choose PPP®
15 reasons to consider a PPP® for your client
Higher retirement balances
PPP® members can accumulate $1M+ more registered assets over 20 years compared to RRSP-only strategies.
Seven new deduction categories
Current service, past service buybacks, terminal funding, special payments, interest, investment fees and administration fees are all deductible.
Creditor protection
PPP® assets are shielded from trade creditors and maintain super priority in bankruptcy proceedings.
Intergenerational transfers
Assets can transition between family members without deemed disposition or probate when multiple members join the plan.
Flexibility past age 71
Special payments allow corporations to keep contributing and deducting even after RRSP limits end.
Input tax credits
GST/HST on plan fees can be recovered by the sponsoring corporation, improving after-tax results.
RRSP coordination
Members can toggle between DB and DC formulas and later convert DC years to DB for additional past service contributions.
Participating life insurance funding
The incremental tax refunds generated by PPP® deductions can finance corporately-owned participating life insurance.
Early retirement income splitting
Pension income can be split as early as age 50, unlocking credits unavailable to RRIF holders until 65.
Governance included
INTEGRIS delivers pension committee oversight, legal and actuarial coordination at no additional cost.
Surplus unlocking tools
AVC assets remain unlocked and surplus can be managed through accrual adjustments, enabling strategic withdrawals.
Capital gains exemption purification
Large deductible contributions help cleanse passive assets from a corporation ahead of a sale.
Deepens client relationships
Recommending the PPP® positions you as the strategic tax planner your incorporated clients rely on, while INTEGRIS handles the actuarial and compliance heavy lifting.
Client retention
Switching to a traditional RRSP after enjoying PPP® benefits is rare, anchoring long-term relationships.
Scalable support
From onboarding to annual filings, INTEGRIS manages the heavy lifting so you can focus on advice.
How it works
Our Process
For setting up a new PPP®
Request an illustration with the 'Illustration Request Form'
Review the illustration with an INTEGRIS Onboarding Specialist
Review the illustration with your client
Client makes payment to show commitment
Complete the INTEGRIS PPP® 'Set Up Form'
Submit supporting documents (T4s, articles of incorporation, IDs, NOAs etc.)
Client signs the legal documentation prepared by INTEGRIS
Funding begins once plan is registered (approx. 10-12 weeks)
For upgrading an IPP to PPP®
Gather all PPP® info
Sign plan amendment
Send to CRA
Use the existing IPP account as the PPP® DB account
Open PPP® DC account
Open PPP® AVC account
Continue funding
Got questions?