For Financial Advisors
INTEGRIS for Financial Advisors
Give your clients the best-in-class mix of wealth succession, business succession and tax optimization strategies with the Personal Pension Plan.
Ultimate Tax Shelter
Offer clients $1M+ more in tax-sheltered retirement assets vs RRSP alone
Grow Your AUM
Consolidate client assets and deepen wallet share with pension solutions
Full Support
Training, technology, and community resources to help you succeed
INTEGRIS is a fiduciary pension administration firm responsible for governance, regulatory compliance, and administrative oversight of pension plans serving incorporated professionals across Canada.
Offer More
Offer your clients the ultimate tax-sheltering vehicle
No one knows your clients better than you do. INTEGRIS empowers you with a modern pension toolkit so you can move them closer to their goals.
Deliver before-and-after PPP® scenarios that highlight tax refunds, wealth preservation and intergenerational planning advantages.
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PPP® Quotation
Investment Manager
Investment Manager on File
Maintain the continuity of your investment advise by becoming the <em>Investment Manager on file</em> for your client's Personal Pension Plan.
→ Not interested in being the Investment Manager on file? You may appoint a qualified PPP® trained member of our INTEGRIS Financial Advisor Network.
Increase AUM
Increase assets under management
Because the PPP® can house non-registered assets, many clients consolidate dormant portfolios to maximize tax deferral.
The end result is deeper wallet share, higher retention and a more strategic relationship anchored by fiduciary oversight.
Training
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 more15 Reasons
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.
Advisor-controlled experience
You remain investment manager on file while INTEGRIS handles pension administration.
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®
Advisor completes the 'Illustration Request Form'
Advisor reviews illustration with an INTEGRIS Onboarding Specialist
Advisor reviews illustration with the 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?