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(PPP)",{"type":8,"value":307,"toc":308},[],{"title":35,"searchDepth":36,"depth":37,"links":309},[],{"uid":311,"type":43,"date":312,"author":45,"cover_image":313,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":314,"category":69},"assumption-life-partners-with-integris-to-offer-the","2020-04-03","/uploads/assumption-life-partners-with-integris-to-offer-the-cover-image.jpg",[69],"/blog/assumption-life-partners-with-integris-to-offer-the",{"title":305,"description":35},"blog/assumption-life-partners-with-integris-to-offer-the","S0M0W3UbSuFfcyYRbvh2gkC5xP4oC7MZ14f6cN7a9P4",{"id":320,"title":321,"body":322,"description":35,"extension":40,"meta":326,"navigation":49,"path":331,"seo":332,"stem":333,"__hash__":334},"blog/blog/award-winning-investment-advisory-firm-dfs-private-wealth-in-mississauga-expands-on-the-use-of-ppps-for-business-owners..md","Award-winning investment advisory firm DFS Private Wealth in Mississauga expands on the use of PPPs for business owners",{"type":8,"value":323,"toc":324},[],{"title":35,"searchDepth":36,"depth":37,"links":325},[],{"uid":327,"type":43,"date":328,"link":329,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":330,"category":69},"award-winning-investment-advisory-firm-dfs-private-wealth-in-mississauga-expands-on-the-use-of-ppps-for-business-owners.","2017-06-22","http://dfsprivatewealth.com/retire-business-owners-part2-ipp/",[69],"/blog/award-winning-investment-advisory-firm-dfs-private-wealth-in-mississauga-expands-on-the-use-of-ppps-for-business-owners.",{"title":321,"description":35},"blog/award-winning-investment-advisory-firm-dfs-private-wealth-in-mississauga-expands-on-the-use-of-ppps-for-business-owners.","WUQC5J2useEE58P4C7vjapcJMJOFUgHrEAmRoif5OiE",{"id":336,"title":337,"body":338,"description":343,"extension":40,"meta":361,"navigation":49,"path":366,"seo":367,"stem":368,"__hash__":369},"blog/blog/b2b-trust-pulling-out-of-the-individual-pension-plan.md","B2B TRUST pulling out of the Individual Pension Plan business!  What advisors should do?",{"type":8,"value":339,"toc":359},[340,344,347,350],[341,342,343],"p",{},"We have been informed that B2B Trust, a subsidiary of the Laurentian Bank group of companies, has decided that effective December 31, 2016, they would cease to act as corporate trustees and custodians of Individual Pension Plans (“IPPs”) and by extension, Personal Pension Plans.",[341,345,346],{},"Financial advisors who have clients using B2B Trust might be looking at alternatives. Unfortunately, and except for very limited circumstances, these IPPs cannot use B2B’s main competitor, Canadian Western Trust, because that entity is also pulling out of this segment of the corporate trust marketplace.",[341,348,349],{},"Fortunately, there are a few solutions available to these clients including shifting to another corporate trustee, or moving to an insurance platform where no trust is required.",[341,351,352,353,358],{},"We would invite advisors with clients caught in this situation to contact INTEGRIS by sending an email message to:",[354,355,357],"a",{"href":356},"mailto:question@integris-mgt.com","question@integris-mgt.com",". A member of our Sales team will respond within 24 hours.",{"title":35,"searchDepth":36,"depth":37,"links":360},[],{"uid":362,"type":43,"date":363,"author":45,"cover_image":364,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":365,"category":69},"b2b-trust-pulling-out-of-the-individual-pension-plan","2017-09-23","/uploads/b2b-trust-pulling-out-of-the-individual-pension-plan-cover-image.png",[69],"/blog/b2b-trust-pulling-out-of-the-individual-pension-plan",{"title":337,"description":343},"blog/b2b-trust-pulling-out-of-the-individual-pension-plan","1aFFnLa062rjoYxeLk_D5spGnuBSsZnJ9JVooW6AOMU",{"id":371,"title":372,"body":373,"description":35,"extension":40,"meta":377,"navigation":49,"path":382,"seo":383,"stem":384,"__hash__":385},"blog/blog/bdo-canada-accountant-mark-goodfield-discusses-personal-pension-plan.md","BDO Canada accountant Mark Goodfield discusses personal pension plan",{"type":8,"value":374,"toc":375},[],{"title":35,"searchDepth":36,"depth":37,"links":376},[],{"uid":378,"type":43,"date":379,"link":380,"author":136,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":381,"category":69},"bdo-canada-accountant-mark-goodfield-discusses-personal-pension-plan","2015-02-09","http://www.thebluntbeancounter.com/2014/12/personal-pension-plans.html",[69],"/blog/bdo-canada-accountant-mark-goodfield-discusses-personal-pension-plan",{"title":372,"description":35},"blog/bdo-canada-accountant-mark-goodfield-discusses-personal-pension-plan","7u7XyZ8UYpW8oTkXMirZlwC1Ksq5NIQMBUkaOyeatz0",{"id":387,"title":388,"body":389,"description":35,"extension":40,"meta":393,"navigation":49,"path":399,"seo":400,"stem":401,"__hash__":402},"blog/blog/before-you-rush-to-buy-rrsps-consider-other-options.md","Before you rush to buy RRSPs, consider other options",{"type":8,"value":390,"toc":391},[],{"title":35,"searchDepth":36,"depth":37,"links":392},[],{"uid":394,"type":43,"date":395,"link":396,"author":397,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":398,"category":69},"before-you-rush-to-buy-rrsps-consider-other-options","2013-02-20","https://integris-website.cdn.prismic.io/integris-website/7a0d967a-8db0-4370-aa4d-e597f91c1d05_Before_You_Buy_RRSPs_GAM20130221.pdf","Marjo Johne",[69],"/blog/before-you-rush-to-buy-rrsps-consider-other-options",{"title":388,"description":35},"blog/before-you-rush-to-buy-rrsps-consider-other-options","5HwQSdHvGqxL98_OPZ0RvQkcdpXX5TMTMP_msjlG39E",{"id":404,"title":405,"body":406,"description":35,"extension":40,"meta":410,"navigation":49,"path":416,"seo":417,"stem":418,"__hash__":419},"blog/blog/benefits--pensions-monitor-the-case-for-frontier.md","Benefits & pensions monitor: the case for frontier markets",{"type":8,"value":407,"toc":408},[],{"title":35,"searchDepth":36,"depth":37,"links":409},[],{"uid":411,"type":43,"date":412,"link":413,"author":414,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":415,"category":69},"benefits--pensions-monitor-the-case-for-frontier","2013-12-30","https://integris-website.cdn.prismic.io/integris-website/c9be886d-886a-4144-8991-9bd0c7833e1e_AnnualReview-Investments_BPMDec13.pdf","Gavin Graham, Chief Strategy Officer",[69],"/blog/benefits-pensions-monitor-the-case-for-frontier",{"title":405,"description":35},"blog/benefits--pensions-monitor-the-case-for-frontier","VI35H1oIhMUntEErTNq996IAL2I9We1B6W6m4r-rmgM",{"id":421,"title":422,"body":423,"description":35,"extension":40,"meta":427,"navigation":49,"path":432,"seo":433,"stem":434,"__hash__":435},"blog/blog/bnn-gavin-graham-on-market-call-tonight-october-28th.md","BNN: Gavin Graham on market call tonight (October 28th, 2013)",{"type":8,"value":424,"toc":425},[],{"title":35,"searchDepth":36,"depth":37,"links":426},[],{"uid":428,"type":43,"date":429,"link":430,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":431,"category":69},"bnn-gavin-graham-on-market-call-tonight-october-28th","2013-10-27","https://www.bnnbloomberg.ca/#/clip1032683",[69],"/blog/bnn-gavin-graham-on-market-call-tonight-october-28th",{"title":422,"description":35},"blog/bnn-gavin-graham-on-market-call-tonight-october-28th","Bru9l91oGd-TJwwyjhxngNW9VjmXye-F-qUI2j26gl4",{"id":437,"title":438,"body":439,"description":35,"extension":40,"meta":443,"navigation":49,"path":449,"seo":450,"stem":451,"__hash__":452},"blog/blog/brendan-greenwood-of-worldsource-securities-inc.-showcases.md","Brendan Greenwood of Worldsource Securities Inc. showcases the PPP on this video",{"type":8,"value":440,"toc":441},[],{"title":35,"searchDepth":36,"depth":37,"links":442},[],{"uid":444,"type":43,"date":445,"link":446,"author":45,"cover_image":447,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":448,"category":69},"brendan-greenwood-of-worldsource-securities-inc.-showcases","2020-08-18","https://www.greenwoodwealth.co/videos","/uploads/brendan-greenwood-of-worldsource-securities-inc.-showcases-cover-image.jpg",[69],"/blog/brendan-greenwood-of-worldsource-securities-inc.-showcases",{"title":438,"description":35},"blog/brendan-greenwood-of-worldsource-securities-inc.-showcases","QxjA5YaGxqb7mSiArj3aJGMSKha6WHkeZyMd0YX5N1Y",{"id":454,"title":455,"body":456,"description":35,"extension":40,"meta":460,"navigation":49,"path":465,"seo":466,"stem":467,"__hash__":468},"blog/blog/canadian-business-journal-article-ppps-a-powerful-solution-for-highly-taxed-business-owners-and-incorporated-professionals.md","Canadian Business Journal article: PPPs: a powerful solution for highly taxed business owners and incorporated professionals",{"type":8,"value":457,"toc":458},[],{"title":35,"searchDepth":36,"depth":37,"links":459},[],{"uid":461,"type":43,"date":462,"link":463,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":464,"category":69},"canadian-business-journal-article-ppps-a-powerful-solution-for-highly-taxed-business-owners-and-incorporated-professionals","2018-02-08","https://integris-website.cdn.prismic.io/integris-website/04966e52-b575-41c7-b53b-5604303d06dd_Personal+Pension+Plans+-+CBJ+-+Feb+2018.pdf",[69],"/blog/canadian-business-journal-article-ppps-a-powerful-solution-for-highly-taxed-business-owners-and-incorporated-professionals",{"title":455,"description":35},"blog/canadian-business-journal-article-ppps-a-powerful-solution-for-highly-taxed-business-owners-and-incorporated-professionals","-XE7tJL6vZ0joAD1q19N_0kh5Y7e7VAK7IxWsR2aoFc",{"id":470,"title":471,"body":472,"description":35,"extension":40,"meta":476,"navigation":49,"path":482,"seo":483,"stem":484,"__hash__":485},"blog/blog/canadian-business-journal-features-ppps-the-best-retirement-option-for-business-owners-and-incorporated-professionals.md","Canadian Business Journal features PPPs®: the best retirement option for business owners and incorporated professionals",{"type":8,"value":473,"toc":474},[],{"title":35,"searchDepth":36,"depth":37,"links":475},[],{"uid":477,"type":43,"date":478,"link":479,"author":65,"cover_image":480,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":481,"category":69},"canadian-business-journal-features-ppps-the-best-retirement-option-for-business-owners-and-incorporated-professionals","2019-03-07","https://www.cbj.ca/EMAG/2019/Mar/96/","/uploads/canadian-business-journal-features-ppps-the-best-retirement-option-for-business-owners-and-incorporated-professionals-cover-image.jpeg",[69],"/blog/canadian-business-journal-features-ppps-the-best-retirement-option-for-business-owners-and-incorporated-professionals",{"title":471,"description":35},"blog/canadian-business-journal-features-ppps-the-best-retirement-option-for-business-owners-and-incorporated-professionals","Fnrr7PEt50jhoBdsfdUnqMDmK1-xZTQ5qFiljP5VWE4",{"id":487,"title":488,"body":489,"description":35,"extension":40,"meta":493,"navigation":49,"path":499,"seo":500,"stem":501,"__hash__":502},"blog/blog/canadian-healthcare-network-provides-light-at-the-end-of-the-tunnel-for-doctors-worried-about-the-morneau-tax-measures.md","Canadian Healthcare Network provides light at the end of the tunnel for doctors worried about the Morneau tax measures",{"type":8,"value":490,"toc":491},[],{"title":35,"searchDepth":36,"depth":37,"links":492},[],{"uid":494,"type":43,"date":495,"link":496,"author":65,"cover_image":497,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":498,"category":69},"canadian-healthcare-network-provides-light-at-the-end-of-the-tunnel-for-doctors-worried-about-the-morneau-tax-measures","2017-09-19","https://integris-website.cdn.prismic.io/integris-website/594b4099-c1d8-4173-bf38-cd25cb5e9548_Canadian+Healthcare+Network+Article+Sept+18+2017.pdf","/uploads/canadian-healthcare-network-provides-light-at-the-end-of-the-tunnel-for-doctors-worried-about-the-morneau-tax-measures-cover-image.jpeg",[69],"/blog/canadian-healthcare-network-provides-light-at-the-end-of-the-tunnel-for-doctors-worried-about-the-morneau-tax-measures",{"title":488,"description":35},"blog/canadian-healthcare-network-provides-light-at-the-end-of-the-tunnel-for-doctors-worried-about-the-morneau-tax-measures","dUcfmKmixbL4sJvxP9rgVGX87n68wfg4Ep9rNs94cVA",{"id":504,"title":505,"body":506,"description":35,"extension":40,"meta":510,"navigation":49,"path":515,"seo":516,"stem":517,"__hash__":518},"blog/blog/canadian-medical-association-journal-reminds-physicians.md","Canadian Medical Association Journal reminds physicians they can have true pension plans today",{"type":8,"value":507,"toc":508},[],{"title":35,"searchDepth":36,"depth":37,"links":509},[],{"uid":511,"type":43,"date":512,"link":513,"author":45,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":514,"category":69},"canadian-medical-association-journal-reminds-physicians","2019-08-27","https://integris-website.cdn.prismic.io/integris-website/73a4566a-bbb9-4087-9736-05a1e7b649ca_CMAJ+piece+on+PPPs.pdf",[69],"/blog/canadian-medical-association-journal-reminds-physicians",{"title":505,"description":35},"blog/canadian-medical-association-journal-reminds-physicians","ZQPtws7vL_O5GPZM0BRont6cFexzQlcKsjWSLA3G850",{"id":520,"title":521,"body":522,"description":526,"extension":40,"meta":552,"navigation":49,"path":557,"seo":558,"stem":559,"__hash__":560},"blog/blog/change-in-policy---fee-payment.md","Change in Policy - Fee Payment",{"type":8,"value":523,"toc":550},[524,527,530,539,547],[341,525,526],{},"In the past year, we have experienced a surge of interest in the PPP®, especially given the introduction of the \"Morneau tax measures\". Our staff has been working hard with advisors to onboard these plans and we are very grateful to all of you who offer the INTEGRIS PPP®to your clients.",[341,528,529],{},"While we are receiving many requests for PPP®setups, we are finding that the time delays between the client's go-ahead to set up the PPP®and the filing of the plan (and payment of annual fees) are too long. When no money is expended, clients do not always see the process of gathering key documents as a priority and their files often become delinquent leading to critical timelines being missed. This also results in delayed compensation for advisors like yourself. Therefore, effective immediately, we will be requiring payment of first year PPP®fees at the start of the onboarding process. This enhanced administrative policy will:",[531,532,533,536],"ul",{},[19,534,535],{},"Allow us to prioritize cases as they come in. Payment of the first-year fees shows strong commitment on the part of the client to move forward with implementation, and",[19,537,538],{},"Create an incentive for clients and their advisors to gather the required supporting documents and quickly move their PPP®s to registration with CRA.",[341,540,541,542,546],{},"From a practical point of view, the only change you will see is that as soon as you tell us that a client has decided to move forward with a PPP®, you will notify our sales team (",[354,543,545],{"href":544},"mailto:sales@integris-mgt.com","sales@integris-mgt.com",") and you will receive an \"Appointment Letter and First Year Fee\" PDF document by email that should be shared with the client. Upon payment of this First-Year fee (which can be done via credit card or Interac e-payment), our Onboarding team will assemble the necessary legal documentation and complete the set-up process.",[341,548,549],{},"We thank you for your understanding and cooperation regarding the above items and look forward to continuing to serve your clients.",{"title":35,"searchDepth":36,"depth":37,"links":551},[],{"uid":553,"type":43,"date":554,"author":45,"cover_image":555,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":556,"category":69},"change-in-policy---fee-payment","2018-10-02","/uploads/change-in-policy---fee-payment-cover-image.jpg",[69],"/blog/change-in-policy-fee-payment",{"title":521,"description":526},"blog/change-in-policy---fee-payment","IcFk-TjTu2Wn6dCMGwT6TqEwIAZ5rV2e6TkUUpIn9o8",{"id":562,"title":563,"body":564,"description":568,"extension":40,"meta":619,"navigation":49,"path":625,"seo":626,"stem":627,"__hash__":628},"blog/blog/common-myths-about-saving-for-retirement.md","Common Myths about Saving for Retirement",{"type":8,"value":565,"toc":617},[566,569,572,575,578,581,584,587,590,593,596,599,602,605,608,611,614],[341,567,568],{},"The subject of retirement is an emotional one. It involves decisions about how people will spend up to one-third of their life, how much money they will need to fund that period, and the best way of saving to enable them to do so in reasonable comfort. It’s also a relatively new experience for humanity. One of the most striking questions that experts on the subject pose in presentations is “what the average US life expectancy was when the US introduced social security for everyone over the age of 65 in 1936?”",[341,570,571],{},"What’s the answer? It was only 63! Therefore the guarantee of a pension for the rest of your life from the government was not an especially generous one. It’s only in the last couple of decades that substantial numbers of the inhabitants of the wealthy countries in North America, Western Europe, Japan, Australia, and New Zealand have retired and enjoyed a relatively active, healthy life. This is partially due to improvements in nutrition and lifestyle, and to the changes in the nature of work, with physically demanding and dangerous labour being replaced by office work, a work environment that was once confined to a small, wealthy minority.",[341,573,574],{},"The expectation on which most retirement schemes are based, whether provided by the state or by private companies was that retirees would only live for a decade or so after retirement, and would not expect to be in a condition to travel widely, partake in recreational physical activities or have large discretionary expenditures. The state system was always intended to be a backstop, providing a “barebones” level of income to ensure that there was a safety net available for those citizens who, either through misfortune or improvidence, had not made adequate provision for their future. The unstated assumption behind the social security system was that retirees’ families would continue to look after their parents, as had been the case for most of human history, and that there would continue to be many more people of working age than retirees, thus ensuring a healthy dependency ratio (the number of retirees receiving pensions divided by those in work and paying taxes).",[341,576,577],{},"Neither of these assumptions has proved to be correct. With the trend towards smaller families, as demonstrated by the fall in the birth rate over the last forty years in many wealthy countries to below the replacement level of 2.1 children per family, the fall in the percentage of the population getting married, and the increase in divorce and separations, both the willingness and ability of families to provide for their parents and grandparents and the dependency ratio have fallen sharply. Therefore, the ability of the state system to provide even the relatively meager pension it had promised is now at risk. Further, retirees face the prospect of outliving their own savings as their life expectancy has increased substantially over the same period while their families’ willingness and ability to support them has diminished. ",[341,579,580],{},"Demographers’ assumptions for population growth in Canada and the US over the 25 years to 2026 are that both countries will see their populations grow by between 0.6% p.a. and 1% p.a. However, that portion of the population aged over 65 will grow 3 to 4 times as fast, by 3.5% p.a. in the US and over 4% p.a. in Canada. The same holds true for that portion of the population aged over 85, which consumes the majority of healthcare expenditures even though in absolute terms it represents less than 15% of the size of the over 65s, due to the much greater need for drugs and medical procedures, as well as more intensive care. As a result, governments across the western world are moving to address these issues by raising the retirement age and reducing the real cost of providing pensions by making them track the lowest version of inflation measures rather than earnings or a retail price index. Likewise, many employers have responded to the pension crisis by closing their defined benefit pension schemes to new members and replacing them with much less generous defined contribution plans.",[341,582,583],{},"Many of the myths of retirement are associated with the previous era, when employers and the state were willing to make promises that were relatively cheap to provide, due to shorter life-spans and a high ratio of workers to pensioners. Firstly, there were a number of “rules of thumb” that became established wisdom based on the experience of the period from 1950-2000. In no particular order these myths include:",[341,585,586],{},"1)Retirees needed their pensions to generate between 65-75% of their employment income to maintain their lifestyles;",[341,588,589],{},"2)As retirees got closer to retirement, the percentage of their pension fund that should be invested in less volatile income-producing investments such as government bonds should increase and the percentage in more volatile, “riskier” equities should decrease. The basic rule of thumb was to subtract one’s age from 100; the amount left was the amount that should be in stocks and shares, hence it reduced automatically as you became older;",[341,591,592],{},"3)When you retire, you should buy an annuity from a life insurance company, which would give you a guaranteed income for the rest of your life, however long that might be;",[341,594,595],{},"4)Finally, you shouldn’t change jobs too often, as most private-sector pension plans were what were known as defined benefit plans, which paid you close to three-quarters of the average of your last five years salary. Those employees who left the plan early effectively subsidized those members who stayed in.",[341,597,598],{},"None of these myths are entirely correct, and while a few may still have some validity, the rest are no longer valid. Firstly, expecting your pension plan to generate 65-75% of your employment income was always a figure that seemed to have been plucked from thin air. Individual circumstances vary so widely that having even a “ballpark” figure for an expected level of retirement income was always more driven by the desire to encourage higher savings than any empirical evidence. With lower expenses for travel and clothing, with the mortgage paid off and children educated, and with no pension and employment insurance contributions and a much lower tax rate, retirees’ expenditures are much lower than when they were in full or even part-time employment. Then there is the likelihood of a possible move to cheaper accommodation, either by downsizing within the same community or moving to somewhere cheaper (and if Canadian, probably warmer as well).",[341,600,601],{},"With the fall in long-term interest rates over the last thirty years, combined with increased life expectancy, the automatic reduction of equities in favour of fixed income has become much less advisable. With average life expectancy now over 80 for men and over 85 for women in North America, retirees have at least 20 years on average of retirement to fund. Conventional fixed income with 10-year bond yields below 3% before tax and inflation will not be able to maintain whatever income level the retiree needs. This also applies to the purchase of annuities to fund retirement. Long term interest rates, which dictate annuity payments, have fallen to a level that will not be adequate for many, if not most retirees.",[341,603,604],{},"Lastly, the closure of many private and some public sector defined benefit pension plans means there is no longer a significant benefit to remaining with one employer for the majority of one’s career. The success of a defined contribution plan is entirely dependent upon the performance of the underlying investments, although an employer may make matching contributions, thus boosting the initial amount invested.",[341,606,607],{},"Fortunately, governments have responded to the looming pension crisis by providing tax-exempt or tax-deferred savings schemes such as Registered Retirement Savings Plans (RRSPs) in Canada or Individual Retirement Accounts (IRAs) in the US to encourage their citizens to save in order to complement the state system and private sector pension plans. While these have many advantages for the prospective retiree, they are not particularly flexible and have several levels of fees associated with them, which can make a substantial difference to the final amount saved. In Canada, Individual Pension Plans (IPPs) and Personal Pension Plans (PPPs) offer a better alternative for incorporated individuals. The PPP, in particular, offers more flexibility and incorporates the required features of actuarial and administrative services in compliance with applicable legislation, making it an attractive retirement solution for clients who have the necessary level of income and are already incorporated or able to become incorporated.",[341,609,610],{},"Governments around the world have recognized the importance of providing appropriate pensions for their citizens, and have been aware of the changing needs, which have made the retirement myths no longer relevant. In the last thirty years, tax-advantaged individual retirement savings plans such as Registered Retirement Pensions Plans (RSPPs) in Canada, 401 (k) plans in the US, and Self Invested Pension Plans (SIPPs) in the UK have allowed individuals to save for their retirement without being dependent upon workplace pension plans. It has made the workforce more mobile, as their pensions are no longer tied to the length of their employment with one employer, a necessary reflection of the end of lifetime employment. However, all of these individual plans are defined contribution schemes; in other words, the size of the individual retirement income is dependent upon the performance of the investments in the plan, rather than being a percentage of final salary.",[341,612,613],{},"Ironically, the only substantial group of workers who still enjoy the advantages of the traditionally defined benefit pension schemes is government employees, as many private-sector employers have now closed their own defined benefit schemes to new hires and are even attempting to reduce benefits to employees within their defined benefit plans. Only the public sector employers are able to still offer generous defined benefit plans, and even here, some cash strapped municipalities in the US are now reducing benefits. The recent decision by the courts at the end of 2013 that bankrupt Detroit could reduce pensions to retirees is a precursor of further reductions as government finances come under pressure from deteriorating demographics.",[341,615,616],{},"Therefore, for the individual looking for the private sector equivalent of the traditional defined benefit pension, there are not many alternatives. One possibility in Canada is the Personal Pension Plan (PPP) for incorporated entities, which apart from its many attractive features such as creditor protection and deduction of fees from gross income, offers the individual the choice of making pension contributions either on a defined contribution or defined benefit basis. This allows contributions to be adjusted to reflect a business’ cash-flow needs, and contributions on a defined benefit basis are actuarially calculated, meaning they increase annually as retirement approaches. While the performance of the investments in the fund will still dictate the size of the final pension, these investments can mirror those of large public sector funds and, unlike RRSPs, including private equity, venture capital, franchisees, and other non-correlated assets. Furthermore, in the event that returns are below the 7.5% p.a. hurdle that the Canada Revenue Agency has established as the benchmark for such plans, a lump sum payment can be made to bring the plan back into line and is a further tax deduction to the corporation.  Thus a PPP offers incorporated individuals the closest approach to belonging to one of the major public sector defined benefit plans without actually being a teacher or municipal employee.",{"title":35,"searchDepth":36,"depth":37,"links":618},[],{"uid":620,"type":43,"date":621,"author":622,"cover_image":623,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":624,"category":48},"common-myths-about-saving-for-retirement","2014-01-15","Gavin Graham","/uploads/common-myths-about-saving-for-retirement-cover-image.jpg",[48],"/blog/common-myths-about-saving-for-retirement",{"title":563,"description":568},"blog/common-myths-about-saving-for-retirement","9RzpxPw6ZoYtT2pZW7QVPVcZT5jYxAYdcaN_6w8VokE",{"id":630,"title":631,"body":632,"description":35,"extension":40,"meta":636,"navigation":49,"path":641,"seo":642,"stem":643,"__hash__":644},"blog/blog/cpas-from-across-the-g.t.a.-register-here-for-two.md","CPAs from across the G.T.A.: register here for two sessions on ways to help your clients during the pandemic",{"type":8,"value":633,"toc":634},[],{"title":35,"searchDepth":36,"depth":37,"links":635},[],{"uid":637,"type":43,"date":638,"link":639,"author":45,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":640,"category":69},"cpas-from-across-the-g.t.a.-register-here-for-two","2020-07-17","https://gtaaccountantsnetwork.com/enrol/index.php?id=216",[69],"/blog/cpas-from-across-the-g.t.a.-register-here-for-two",{"title":631,"description":35},"blog/cpas-from-across-the-g.t.a.-register-here-for-two","bDjc_HfIWgDMCFl-YJ5Ka4wOZ-lL8ZEs7UHikZ6Sexc",{"id":646,"title":647,"body":648,"description":35,"extension":40,"meta":652,"navigation":49,"path":659,"seo":660,"stem":661,"__hash__":662},"blog/blog/cppp-and-its-president-dr-vu-kiet-tran-mentioned-in.md","CPPP and its president Dr Vu Kiet Tran mentioned in Benefits Canada, the leading trade journal in the world of retirement plans",{"type":8,"value":649,"toc":650},[],{"title":35,"searchDepth":36,"depth":37,"links":651},[],{"uid":653,"type":43,"date":654,"link":655,"author":45,"cover_image":656,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":657},"cppp-and-its-president-dr-vu-kiet-tran-mentioned-in","2023-06-15","https://www.benefitscanada.com/news/cir-news-news/why-are-individual-pension-plans-poorly-understood-by-the-pension-sector/","/uploads/cppp-and-its-president-dr-vu-kiet-tran-mentioned-in-cover-image.jpg",[658],"CPPP-Blog","/blog/cppp-and-its-president-dr-vu-kiet-tran-mentioned-in",{"title":647,"description":35},"blog/cppp-and-its-president-dr-vu-kiet-tran-mentioned-in","fbzqAsRvdfTJroB-pcWsohs4Vnw1JH7HZG9uKwKW7A4",{"id":664,"title":665,"body":666,"description":670,"extension":40,"meta":685,"navigation":49,"path":690,"seo":691,"stem":692,"__hash__":693},"blog/blog/cras-new-conditions-on-abusive-ipps.md","CRA's New Conditions on abusive IPPs",{"type":8,"value":667,"toc":683},[668,671,674,677,680],[341,669,670],{},"In its newest newsletter, CRA imposes some additional conditions on IPPs that often try to emulate the Personal Pension Plan (\"PPP\") but for abusive tax reasons. We totally agree with CRA in imposing these conditions.",[341,672,673],{},"Some IPP actuarial firms try to emulate the INTEGRIS PPP by adding a Defined Contribution account to a basic IPP when the IPP is in excess surplus. While incredible to us at INTEGRIS, they actually tell their clients to continue making contributions to the newly added DC account!!",[341,675,676],{},"Other firms promoting IPPs are now filing plan texts that look like PPPs in that they have both Defined Benefit and Defined Contribution components, but they then only allow the money purchase provision to be used for annual (current service) in an effort to avoid turning the plan into a \"Designated Plan\", thus subject to the more restrictive maximum funding rules found in Income Tax Regulation 8515. Again, this 'cute' attempt to avoid the designated plan rules and to create much larger contributions/deductions did not escape the attention of the Registered Plans Directorate and their colleagues in the Department of Finance.",[341,678,679],{},"We are glad the CRA has taken steps to stop such abusive practices.  None of these conditions impact the law-abiding clients of INTEGRIS since our PPP plan design is already fully compliant with CRA rules.",[341,681,682],{}," Click here to read the post directly from the CRA website.",{"title":35,"searchDepth":36,"depth":37,"links":684},[],{"uid":686,"type":43,"date":687,"author":45,"cover_image":688,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":665,"meta_description":670,"original_posted_date":45,"tags":689,"category":69},"cras-new-conditions-on-abusive-ipps","2021-03-19","/uploads/cras-new-conditions-on-abusive-ipps-cover-image.jpg",[69],"/blog/cras-new-conditions-on-abusive-ipps",{"title":665,"description":670},"blog/cras-new-conditions-on-abusive-ipps","cftIoXjpr_lY0wPdROZ-4eGg0ryf7CJKB8rERGiO40M",{"id":695,"title":696,"body":697,"description":35,"extension":40,"meta":701,"navigation":49,"path":707,"seo":708,"stem":709,"__hash__":710},"blog/blog/dentists-can-now-have-true-pension-plans.-see-ontario.md","Dentists can now have true pension plans. See Ontario Dentists’ September issue.",{"type":8,"value":698,"toc":699},[],{"title":35,"searchDepth":36,"depth":37,"links":700},[],{"uid":702,"type":43,"date":703,"link":704,"author":45,"cover_image":705,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":706,"category":69},"dentists-can-now-have-true-pension-plans.-see-ontario","2019-09-05","https://integris-website.cdn.prismic.io/integris-website/40de8db4-22fb-4d2f-aa26-0527ac535e6a_Dentist+article_OD_September_2019_Pension_Plan.pdf","/uploads/dentists-can-now-have-true-pension-plans.-see-ontario-cover-image.jpeg",[69],"/blog/dentists-can-now-have-true-pension-plans.-see-ontario",{"title":696,"description":35},"blog/dentists-can-now-have-true-pension-plans.-see-ontario","ZbWJo3-PnOd-Su_ULOUW30DXc_hfqid3S_oH50xMOMc",{"id":712,"title":713,"body":714,"description":35,"extension":40,"meta":718,"navigation":49,"path":724,"seo":725,"stem":726,"__hash__":727},"blog/blog/don-shaughnessy-discusses-ppps-as-part-of-a-broader-strategy-to-minimize-taxes-in-the-new-environment.md","Don Shaughnessy discusses PPPs as part of a broader strategy to minimize taxes in the new environment",{"type":8,"value":715,"toc":716},[],{"title":35,"searchDepth":36,"depth":37,"links":717},[],{"uid":719,"type":43,"date":720,"link":721,"author":65,"cover_image":722,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":723,"category":69},"don-shaughnessy-discusses-ppps-as-part-of-a-broader-strategy-to-minimize-taxes-in-the-new-environment","2017-12-07","https://moneyfyi.wordpress.com/2017/12/07/more-on-tax-strategy/","/uploads/don-shaughnessy-discusses-ppps-as-part-of-a-broader-strategy-to-minimize-taxes-in-the-new-environment-cover-image.jpeg",[69],"/blog/don-shaughnessy-discusses-ppps-as-part-of-a-broader-strategy-to-minimize-taxes-in-the-new-environment",{"title":713,"description":35},"blog/don-shaughnessy-discusses-ppps-as-part-of-a-broader-strategy-to-minimize-taxes-in-the-new-environment","6C0WKncp92uNlVIXZ_FNs2jfWefgzjLV3fNfR558EUw",{"id":729,"title":730,"body":731,"description":35,"extension":40,"meta":735,"navigation":49,"path":740,"seo":741,"stem":742,"__hash__":743},"blog/blog/dr-angela-mulrooney-interviewing-integris-ceo-in-this.md","Dr. Angela Mulrooney interviewing INTEGRIS CEO in this Pink Seat session",{"type":8,"value":732,"toc":733},[],{"title":35,"searchDepth":36,"depth":37,"links":734},[],{"uid":736,"type":43,"date":737,"author":45,"cover_image":738,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":739,"category":69},"dr-angela-mulrooney-interviewing-integris-ceo-in-this","2020-09-16","/uploads/dr-angela-mulrooney-interviewing-integris-ceo-in-this-cover-image.jpg",[69],"/blog/dr-angela-mulrooney-interviewing-integris-ceo-in-this",{"title":730,"description":35},"blog/dr-angela-mulrooney-interviewing-integris-ceo-in-this","d_sFT0F9zYVODg-EvbuTO9IJ_i6X86OjYSQZNvoprVE",{"id":745,"title":746,"body":747,"description":35,"extension":40,"meta":751,"navigation":49,"path":758,"seo":759,"stem":760,"__hash__":761},"blog/blog/dr.-lorne-poraykos-qa-session-with-the-ceo-of-integris.md","Dr. Lorne Porayko’s Q&A session with the CEO of INTEGRIS about Personal Pension Plans",{"type":8,"value":748,"toc":749},[],{"title":35,"searchDepth":36,"depth":37,"links":750},[],{"uid":752,"type":43,"date":753,"link":754,"author":45,"cover_image":755,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":756,"category":757},"dr.-lorne-poraykos-qa-session-with-the-ceo-of-integris","2021-08-04","https://youtu.be/FhLULtFZPdA","/uploads/dr.-lorne-poraykos-qa-session-with-the-ceo-of-integris-cover-image.jpg",[757],"Blog","/blog/dr.-lorne-poraykos-qa-session-with-the-ceo-of-integris",{"title":746,"description":35},"blog/dr.-lorne-poraykos-qa-session-with-the-ceo-of-integris","Mkjk7qmRYTdbmD8fN1Hf1mJ0sYdrmb4dbgfOYoohKGE",{"id":763,"title":764,"body":765,"description":35,"extension":40,"meta":769,"navigation":49,"path":775,"seo":776,"stem":777,"__hash__":778},"blog/blog/eric-chevrette-from-quebec-based-regar-inc.-and-jp-laporte-discuss-the-morneau-tax-reforms-on-sirius-xm-radio.md","Eric Chevrette from Quebec-based Regar Inc. and JP Laporte discuss the Morneau tax reforms on Sirius XM radio",{"type":8,"value":766,"toc":767},[],{"title":35,"searchDepth":36,"depth":37,"links":768},[],{"uid":770,"type":43,"date":771,"link":772,"author":65,"cover_image":773,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":774,"category":69},"eric-chevrette-from-quebec-based-regar-inc.-and-jp-laporte-discuss-the-morneau-tax-reforms-on-sirius-xm-radio","2017-11-01","http://www.integris-mgt.com/publish/Krystal%20Nation%20Oct%2026%20JP%20Laporte%20and%20Eric%20Chevrette.mp3","/uploads/eric-chevrette-from-quebec-based-regar-inc.-and-jp-laporte-discuss-the-morneau-tax-reforms-on-sirius-xm-radio-cover-image.jpeg",[69],"/blog/eric-chevrette-from-quebec-based-regar-inc.-and-jp-laporte-discuss-the-morneau-tax-reforms-on-sirius-xm-radio",{"title":764,"description":35},"blog/eric-chevrette-from-quebec-based-regar-inc.-and-jp-laporte-discuss-the-morneau-tax-reforms-on-sirius-xm-radio","38Wdh5lb1hwszUg-f-wJz0t3feStpiEGuxpLBbeWMIs",{"id":780,"title":781,"body":782,"description":786,"extension":40,"meta":946,"navigation":49,"path":951,"seo":952,"stem":953,"__hash__":954},"blog/blog/ever-been-hip-checked.md","Ever been hip checked?",{"type":8,"value":783,"toc":944},[784,787,790,793,804,807,810,813,816,819,822,830,833,847,850,853,856,859,870,873,881,884,889,892,897,900,908,916,919,922,925,928,931,934,941],[341,785,786],{},"Ever been hip checked? Wakes you up, doesn’t it? (For those who have never had the experience, ask someone to give you one. You’ll quickly understand what I mean).",[341,788,789],{},"We’d like to wake up all private business owners, all private practices, accountants and tax lawyers.",[341,791,792],{},"Pretty much anyone that either:",[531,794,795,798,801],{},[19,796,797],{},"has their own incorporated business;",[19,799,800],{},"is looking to save taxes, and;",[19,802,803],{},"wants a “gi-normous” income at semi- or full retirement.",[341,805,806],{},"This wake-up call is brought to you by Canadian Pension Legislation, and is registered under the Income Tax Act. Two key dates:",[341,808,809],{},"1991 – Income Tax Act registers pension plans for individuals. Namely, the Individual Pension Plan. (IPP)",[341,811,812],{},"2014 – The Personal Pension Plan (PPP®) becomes offered across Canada",[341,814,815],{},"Some of you may say to yourselves: “this isn’t news”, “I’ve heard of these pension plans for individuals”. And there were changes made by the Fed’s back in the mid- 90s so they ended up not being all that they were supposed to be cracked up to be.",[341,817,818],{},"(That change was the Feds freezing indexation of limits applying to pension plans. HOWEVER the govn’t. has recommenced indexing retirement limits, meaning the IPP pension provided has increased. Hooray! And in turn tax deductible contributions have increased. Double Hooray!!)",[341,820,821],{},"So, respectfully, everyone should know these basic tax facts by now:",[531,823,824,827],{},[19,825,826],{},"PPPs® (Personal Pension Plans) can provide the “richest” pension benefits out there for business owners who have previously depended on saving for their retirement through\nundefinedundefinedundefined",[19,828,829],{},"July 18, 2017 followed by the February 2018 Federal Budget changed a lot of retirement savings planning for Canadian controlled private corporation business owners.",[341,831,832],{},"Just ask your accountant! They’ve been scrambling to come up with the best strategies to aid their private owner clients for the 2018 tax season and forward.",[531,834,835,838,841,844],{},[19,836,837],{},"Tax savings — a priority",[19,839,840],{},"Retirement savings — a priority",[19,842,843],{},"Ongoing income options — a priority",[19,845,846],{},"Income splitting — a priority",[341,848,849],{},"The Federal Finance Minister, Bill Morneau, really took a slap shot at the tax planning of private business and was successful at hitting them square between the eyes!",[341,851,852],{},"So what does all this have to do with PPPs®?",[341,854,855],{},"Simple — these pension plans “built” specifically for incorporated private business owners or private practices can be the answer to many of the “priorities” outlined above as strategies to help business owners get their “peace” back in regards to:",[341,857,858],{},"Tax savings",[531,860,861,864,867],{},[19,862,863],{},"Pension is corp. owned but plan sits outside the business. All contributions tax deductible.",[19,865,866],{},"All fees tax deductible (you have no idea, alone, how much this can add up to). Your admin fees, investment mgmt. fees, 1/3rd HST fees, interest charges on loan for the plan if you decide to go this route.",[19,868,869],{},"Investment growth is deferred until taken as pension income.",[341,871,872],{},"Retirement savings",[531,874,875,878],{},[19,876,877],{},"Double and more compared to any RRSP savings.",[19,879,880],{},"Allowed to transfer your RRSP into your pension plan if desired thereby immediately save on fees.",[341,882,883],{},"Ongoing Income Options",[531,885,886],{},[19,887,888],{},"Dividend earners may now consider T4 income. If so, T4 Income is used as part of the formula to establish a PPP®. There’s your silver lining!",[341,890,891],{},"Income Splitting",[531,893,894],{},[19,895,896],{},"In semi-retirement or full retirement with a PPP® you’re allowed to split as early as age 50 pension income with a spouse. And, there are $2000 tax credits each of you can use yearly. Alright!",[341,898,899],{},"Passive Income",[531,901,902,905],{},[19,903,904],{},"These rules were brought in to discourage owners from keeping “too much” (huh?!) invested money in their corporations.",[19,906,907],{},"The pension plan (PPP®) helps an owner geographically move money out of their companies tax deductible so they have double edged positive results.",[16,909,910,913],{},[19,911,912],{},"Keeps money invested for their retirement on a tax deferred basis.",[19,914,915],{},"By moving cash out of company, aids in not triggering the SBD (small business deduction) tax bite known as passive income tax.",[341,917,918],{},"So, what to do?",[341,920,921],{},"Put your skates on. Take these pension plans for a test run, no charge. Run your own numbers.",[341,923,924],{},"Talk to us. Like anything else these plans can run deep with many other benefits and strategies not listed here today. ",[341,926,927],{},"Everyone that is an incorporated private business owner or professional should have a look at these. That includes accountants and tax lawyers.",[341,929,930],{},"The pension plans for business individuals are truly a hip check experience. Don’t miss out — they are “that effective” in the tax and savings environment we are in today.",[341,932,933],{},"Good tidings, ",[341,935,936,937],{},"Dawnyca Cristello, CFP\nBusiness Development & Service, Partner MacDonald MGMT.\nTax Free Exits for Business Owners 416-930-2875\n",[354,938,940],{"href":939},"mailto:dawnyca@profitexit.ca","dawnyca@profitexit.ca",[341,942,943],{},"In collaboration with INTEGRIS Pension Management Corp. and Industrial Alliance Professional Services",{"title":35,"searchDepth":36,"depth":37,"links":945},[],{"uid":947,"type":43,"date":948,"author":45,"cover_image":949,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":950,"category":757},"ever-been-hip-checked","2019-06-20","/uploads/ever-been-hip-checked-cover-image.png",[757],"/blog/ever-been-hip-checked",{"title":781,"description":786},"blog/ever-been-hip-checked","yXYVdp3Qdn7z4VgYSx3NMvJRIo_9hdr2ZFFjaOJZBLo",{"id":956,"title":957,"body":958,"description":962,"extension":40,"meta":1036,"navigation":49,"path":1043,"seo":1044,"stem":1045,"__hash__":1046},"blog/blog/everyone-knows-that-long-term-disability-ltd-insurance.md","Window Closing On Long Term Care Insurance @ Sun Life",{"type":8,"value":959,"toc":1034},[960,963,966,969,972,975,978,981,1004,1007,1010,1024,1027],[341,961,962],{},"Periodically, INTEGRIS features articles from individuals who provide insights into financial matters.  This week, we have a time-sensitive article about Long Term Care Insurance, something that isn’t always well-known or understood.  This particular article is time-sensitive since it speaks of a June 24thcut-off date to acquire a ‘grandfathered’ policy.   The views of the article below are not necessarily those of INTEGRIS and any questions should be addressed to the author, Ms. Robyn H. Latchman, CFP, CLU, EPC.",[341,964,965],{},"Everyone knows that Long Term Disability (“LTD”) insurance only provides income replacement until age 65.   But needs, especially non-OHIP covered hospital care, certain medicines, and personal service workers don’t stop at 65.",[341,967,968],{},"While accumulated wealth in PPPs, RRSPs, RRIFs and other savings accounts can help cover some of these costs, would it be great if some of those needs were covered by insurance?",[341,970,971],{},"There is an answer: long term care insurance, but unfortunately, the market for good policies is shrinking.",[341,973,974],{},"On June 24, 2021, Sun Life will be changing the terms of its Long Term Care coverage to make it much harder to claim the benefits of the policy. ",[341,976,977],{},"Grandfathered policies subscribed prior to June 24, 2021, will be honoured with preferential terms and conditions.",[341,979,980],{},"Some of this include:",[531,982,983,986,989,992,995,998,1001],{},[19,984,985],{},"90 day waiting period",[19,987,988],{},"Unlimited benefits paid to policy owner directly tax-free",[19,990,991],{},"Maximum guaranteed 25 year payment period",[19,993,994],{},"$9,200.00 of initial monthly benefit tax-free, Inflation protection increase of 2% on each policy anniversary date",[19,996,997],{},"Return of premium at death benefit",[19,999,1000],{},"Spousal waiver of premium",[19,1002,1003],{},"Palliative care",[341,1005,1006],{},"By way of example, a 50 year old non-smoker or smoker combined rates for a male would pay a monthly premium of $511.12",[341,1008,1009],{},"The grand-fathered policy would provide this coverage:",[531,1011,1012,1014,1017,1019,1022],{},[19,1013,985],{},[19,1015,1016],{},"Unlimited benefits paid to policy owner directly tax free",[19,1018,991],{},[19,1020,1021],{},"$9,200.00 of initial monthly benefit tax free, Inflation protection increase of 2% on each policy anniversary date",[19,1023,1003],{},[341,1025,1026],{},"Since this type of insurance is under-developed in Canada, those who would like more protection should contact me at:",[341,1028,1029,1030],{},"Robyn Latchman\n416-879-6974\n",[354,1031,1033],{"href":1032},"mailto:robyn@latchmaninsurance.com","robyn@latchmaninsurance.com",{"title":35,"searchDepth":36,"depth":37,"links":1035},[],{"uid":1037,"type":43,"date":1038,"author":45,"cover_image":1039,"cover_image_credit":1040,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":957,"meta_description":1041,"original_posted_date":45,"tags":1042,"category":757},"everyone-knows-that-long-term-disability-ltd-insurance","2021-06-14","/uploads/everyone-knows-that-long-term-disability-ltd-insurance-cover-image.jpg","Photo by AllGo","Everyone knows that Long Term Disability (“LTD”) insurance only provides income replacement until age 65.   But needs, especially non-OHIP covered hospital care, certain medicines and personal service workers don’t stop at 65.",[757],"/blog/everyone-knows-that-long-term-disability-ltd-insurance",{"title":957,"description":962},"blog/everyone-knows-that-long-term-disability-ltd-insurance","CFs7bKE_6CHtNXZWSYR4xBRv0tAH8JRhATiecpjJh5o",{"id":1048,"title":1049,"body":1050,"description":35,"extension":40,"meta":1054,"navigation":49,"path":1060,"seo":1061,"stem":1062,"__hash__":1063},"blog/blog/exceed-the-rrsp-limits-pdf.md","Exceed the RRSP Limits [pdf]",{"type":8,"value":1051,"toc":1052},[],{"title":35,"searchDepth":36,"depth":37,"links":1053},[],{"uid":1055,"type":43,"date":1056,"link":1057,"author":45,"cover_image":1058,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1059},"exceed-the-rrsp-limits-pdf","2023-05-21","https://www.dropbox.com/s/22jy0ktyrh0w81m/How%20to%20exceed%20RRSP%20contribution%20limits.pdf?dl=0","/uploads/exceed-the-rrsp-limits-pdf-cover-image.jpg",[658],"/blog/exceed-the-rrsp-limits-pdf",{"title":1049,"description":35},"blog/exceed-the-rrsp-limits-pdf","gYBU6qG4grdDdOvWnyI4beVTmCqpjVn_ZuKSHIp4bko",{"id":1065,"title":1066,"body":1067,"description":35,"extension":40,"meta":1071,"navigation":49,"path":1077,"seo":1078,"stem":1079,"__hash__":1080},"blog/blog/explaining-the-ppp-on-the-just-word-podcast.md","Explaining the PPP® on The Just Word Podcast",{"type":8,"value":1068,"toc":1069},[],{"title":35,"searchDepth":36,"depth":37,"links":1070},[],{"uid":1072,"type":43,"date":1073,"link":1074,"author":45,"cover_image":1075,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1076,"category":757},"explaining-the-ppp-on-the-just-word-podcast","2022-11-03","https://youtu.be/aNtqT8qIgok","/uploads/explaining-the-ppp-on-the-just-word-podcast-cover-image.png",[757],"/blog/explaining-the-ppp-on-the-just-word-podcast",{"title":1066,"description":35},"blog/explaining-the-ppp-on-the-just-word-podcast","Zzi2mTeY9cs9FJbBOUmzTWKi2nJOabujCKYybJduWHc",{"id":1082,"title":1083,"body":1084,"description":1088,"extension":40,"meta":1103,"navigation":49,"path":1110,"seo":1111,"stem":1112,"__hash__":1113},"blog/blog/fact-sheet---buying-past-service.md","Fact Sheet - Buying Past Service",{"type":8,"value":1085,"toc":1101},[1086,1089,1092,1095,1098],[341,1087,1088],{},"One of the advantages of setting up a new pension plan is that it allows a plan member, with the consent of the employer, to create a pension entitlement for prior years. Such a member might have missed out on years of contributions when the plan was not yet established and can now purchase past service under the newly set up pension plan. These extra contributions are added to the plan and are tax deductible to the corporation.",[341,1090,1091],{},"A concrete example serves to illustrate this principle:",[341,1093,1094],{},"ABC Corporation has been employing Ms. X for 10 years. Ms. X is also a majority shareholder of ABC Corporation, and on the advice of her financial advisor decides to establish a PPP for herself.",[341,1096,1097],{},"The PPP is established effective January 1, 2014. Because Ms. X has been paid salary income  from  ABC  Corporation  over  the  period  2004-­‐2014,  the  newly  established PPP can provide her with a pension for these 10 years of past service. The actuary for the PPP will calculate the total cost of funding these 10 additional years of pension (the “Total Buy Back Cost”). The Total Buy Back Cost must be satisfied through 2 sources: a transfer of assets from Ms. X’s personal RRSPs (called the “Qualifying Transfer”) and a corporate contribution for the rest.",[341,1099,1100],{},"The Qualifying Transfer typically represents the lion’s share of the Total Buy Back Cost. It does not generate any tax deductions and is simply a transfer from one registered account (Ms. X’s RRSP) to another (the PPP). However, the corporate contribution to the Total Buy Back Cost is tax-­‐deductible to ABC Corporation.",{"title":35,"searchDepth":36,"depth":37,"links":1102},[],{"uid":1104,"type":43,"date":1105,"author":45,"cover_image":1106,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1083,"meta_description":1107,"original_posted_date":1108,"tags":1109,"category":48},"fact-sheet---buying-past-service","2021-05-30","/uploads/fact-sheet---buying-past-service-cover-image.png","One of the advantages of setting up a new pension plan is that it allows a plan member, with the consent of the employer, to create a pension entitlement for prior years.","2012-06-02",[48],"/blog/fact-sheet-buying-past-service",{"title":1083,"description":1088},"blog/fact-sheet---buying-past-service","ZmQaK6GpGDGx75MSPEj4qAdGg-e2iQCUGio_QODSGRo",{"id":1115,"title":1116,"body":1117,"description":1121,"extension":40,"meta":1148,"navigation":49,"path":1153,"seo":1154,"stem":1155,"__hash__":1156},"blog/blog/fact-sheet---connected-persons-and-tax-deductions.md","Fact Sheet - Connected persons and tax deductions",{"type":8,"value":1118,"toc":1146},[1119,1122,1125,1128,1131,1134,1137,1140,1143],[341,1120,1121],{},"The tax-deductible contributions that can be made to an individual pension plan (or under the defined benefit component of a personal pension plan) depend, in part, on whether the pension plan is considered a designated plan or not.",[341,1123,1124],{},"It will be considered a designated plan when most of the plan members are classified as specified individuals.",[341,1126,1127],{},"To be considered a specified individual one usually falls under one of two categories:",[341,1129,1130],{},"•\tThe member is a “connected person”  or",[341,1132,1133],{},"•\tThe  member  earns  more  than  2.5  times  the  Year’s  Maximum  Pensionable Earnings (in 2014, the YMPE is $52,500 so the income limit is $131,250.)",[341,1135,1136],{},"A connected person, generally, owns 10% or more of the shares of the company sponsoring the IPP or PPP.",[341,1138,1139],{},"Therefore, someone earning $140,000 and who owns 11% of the shares would be a specified individual under both tests. Someone earning $50,000 and owning 11% would also be a specified individual by virtue of being a connected person. See examples below:",[341,1141,1142],{},"Ultimately, being a designated plan means that specific funding restrictions and actuarial assumptions must be used in calculating the maximum pension contributions made by the sponsoring company.",[341,1144,1145],{},"Were it not for the application of these maximum funding rules, a company contributing to a pension plan would be allowed to make even larger tax-deductible contributions.",{"title":35,"searchDepth":36,"depth":37,"links":1147},[],{"uid":1149,"type":43,"date":1150,"author":45,"cover_image":1151,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1116,"meta_description":1121,"original_posted_date":1108,"tags":1152,"category":48},"fact-sheet---connected-persons-and-tax-deductions","2021-06-01","/uploads/fact-sheet---connected-persons-and-tax-deductions-cover-image.png",[48],"/blog/fact-sheet-connected-persons-and-tax-deductions",{"title":1116,"description":1121},"blog/fact-sheet---connected-persons-and-tax-deductions","dqTh-QgbBEk0SQazoUVbPQJ4PuJv677L6cq4R2tI3tU",{"id":1158,"title":1159,"body":1160,"description":1164,"extension":40,"meta":1173,"navigation":49,"path":1178,"seo":1179,"stem":1180,"__hash__":1181},"blog/blog/fact-sheet---creditor-protection.md","Fact Sheet - Creditor Protection",{"type":8,"value":1161,"toc":1171},[1162,1165,1168],[341,1163,1164],{},"There are some misconceptions on whether RRSPs are creditor protected. So, let's set the record straight. In some Canadian provinces such as Alberta, Ontario, Quebec, New Brunswick and Nova Scotia, RRSP assets are not protected from the claims of creditors unless they are held under an insurance contract issued by a life insurer and there is a designated beneficiary on record with the insurer.",[341,1166,1167],{},"Moreover, even where RRSPs enjoy protection under the Bankruptcy and Insolvency Act, that protection does not apply to contributions made in the 12 months prior to the bankruptcy date.",[341,1169,1170],{},"By contrast, all monies in pension plans, such as the INTEGRIS PPP, are protected by provincial pension legislation whether in the normal course of business or even after a bankruptcy date.",{"title":35,"searchDepth":36,"depth":37,"links":1172},[],{"uid":1174,"type":43,"date":264,"author":45,"cover_image":1175,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1159,"meta_description":1176,"original_posted_date":1108,"tags":1177,"category":48},"fact-sheet---creditor-protection","/uploads/fact-sheet---creditor-protection-cover-image.png","There are some misconceptions on whether RRSPs are creditor protected. So, let's set the record straight.",[48],"/blog/fact-sheet-creditor-protection",{"title":1159,"description":1164},"blog/fact-sheet---creditor-protection","vAYGf1JatDuSzPasq4KXYrLdB-ReDNQujtZgv2p2LHc",{"id":1183,"title":1184,"body":1185,"description":1189,"extension":40,"meta":1210,"navigation":49,"path":1216,"seo":1217,"stem":1218,"__hash__":1219},"blog/blog/fact-sheet---dividends-or-salary.md","Fact Sheet - Dividends or Salary?",{"type":8,"value":1186,"toc":1208},[1187,1190,1193,1196,1199,1202,1205],[341,1188,1189],{},"Owners of Canadian Controlled Private Corporations (“CCPC”) have more choices than employees in terms of how to get compensated. The easiest method is through salaries and bonuses. Like all other salaried Canadians, the owner will have to pay taxes on their personal income at graduated income tax brackets.",[341,1191,1192],{},"Another method to extract monies out of a CCPC is through the payment of dividends since the owner is also a shareholder of the company. To obtain a dividend, the CCPC must first pay corporate income tax on its income (since it is a distinct legal entity from the owner), and upon the payment of the dividend, the owner must account for the dividend using the Income Tax Act (Canada)’s dividend gross-up and credit mechanism and then pay personal income tax at graduated rates.",[341,1194,1195],{},"In theory, the total tax paid by the owner whether it is in the form of salary or dividends should be exactly the same. This is what tax experts call the ‘theory of integration’. The theory of integration worked so long as the corporate tax rate paid was set at a certain level. In practice, however, provincial governments have gradually reduced the level of provincial corporate tax over the past decades in order to attract businesses. The theory of integration fell apart under these conditions and an arbitrage opportunity began to emerge favoring the payment of remuneration through dividends rather than salary.",[341,1197,1198],{},"As a result, accountants and other tax consultants began a process of counseling their clients to shift away from salaries to rely exclusively on dividends as the primary method of extracting funds needed for daily living -­‐ out of their CCPCs.",[341,1200,1201],{},"The theory of integration was virtually fixed on January 1, 2014, when measures adopted in the Federal Budget for 2013 came into force. The federal government increased the taxation of non-­‐eligible dividends (that is, the dividends paid by CCPCs on corporate income that had been taxed at the lower small business deduction rate) to level the playing field between salaried compensation and dividends.",[341,1203,1204],{},"The table below shows how this arbitrage opportunity virtually disappeared in Canada:",[341,1206,1207],{},"The   conclusion to be drawn from this Table is that unless one lives in Nova   Scotia, there is no   real tax advantage to taking compensation out of a company via dividends anymore. This is   particularly true when one uses a Personal Pension Plan to further reduce the overall   corporate taxes paid thanks to the many tax deductions available to sponsors of pension plans.",{"title":35,"searchDepth":36,"depth":37,"links":1209},[],{"uid":1211,"type":43,"date":1212,"author":45,"cover_image":1213,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1184,"meta_description":1189,"original_posted_date":1214,"tags":1215,"category":48},"fact-sheet---dividends-or-salary","2021-06-03","/uploads/fact-sheet---dividends-or-salary-cover-image.png","2014-06-02",[48],"/blog/fact-sheet-dividends-or-salary",{"title":1184,"description":1189},"blog/fact-sheet---dividends-or-salary","4jK2AjZ2tvDBy8HK8fBN2WsipK-Px2wuJrr0i8o3_Ec",{"id":1221,"title":1222,"body":1223,"description":1227,"extension":40,"meta":1258,"navigation":49,"path":1263,"seo":1264,"stem":1265,"__hash__":1266},"blog/blog/fact-sheet---hst-credit-whats-that.md","Fact Sheet - HST Credit? What’s That?",{"type":8,"value":1224,"toc":1256},[1225,1228,1231,1240,1247,1250,1253],[341,1226,1227],{},"Since July 2010, the Canada Revenue Agency (CRA) has adopted a new program to refund GST/HST paid by pension plan administrators on services related to the running of a registered pension plan. This program is not applicable to RRSP annuitants.",[341,1229,1230],{},"Read more about it on the CRA’s website:",[341,1232,1233,1234],{},"·         ",[354,1235,1239],{"href":1236,"rel":1237},"http://www.cra-%C2%AD%E2%80%90arc.gc.ca/E/pbg/gf/rc4607/rc4607-%C2%AD%E2%80%9014e.pdf",[1238],"nofollow","http://www.cra-­‐arc.gc.ca/E/pbg/gf/rc4607/rc4607-­‐14e.pdf",[341,1241,1233,1242,1246],{},[354,1243,1244],{"href":1244,"rel":1245},"http://www.cra.gc.ca/gsthst",[1238],", and look up GST/HST Notice 257, The GST/HST Rebate for Pension Entities, or call the CRA at 1-­‐855-­‐666-­‐5166.",[341,1248,1249],{},"Under this program, a registered pension plan administrator who files a special return (RC4607) can receive a refund of 33% of all HST paid in connection with the pension plan. The new program is authorized by Section 261.01 of the Excise Tax Act.",[341,1251,1252],{},"For example, if during the course of a year, a pension plan paid $10,000 in fees, with",[341,1254,1255],{},"$1,300 in HST, the CRA will refund the plan administrator $433 (33% of $1,300).",{"title":35,"searchDepth":36,"depth":37,"links":1257},[],{"uid":1259,"type":43,"date":1260,"author":45,"cover_image":1261,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1222,"meta_description":1227,"original_posted_date":1108,"tags":1262,"category":48},"fact-sheet---hst-credit-whats-that","2021-05-27","/uploads/fact-sheet---hst-credit-whats-that-cover-image.png",[48],"/blog/fact-sheet-hst-credit-whats-that",{"title":1222,"description":1227},"blog/fact-sheet---hst-credit-whats-that","v2LbDmTZ9AuugtLsN3-8QAYDZ8g507l3yd7uo6EQee4",{"id":1268,"title":1269,"body":1270,"description":1274,"extension":40,"meta":1315,"navigation":49,"path":1323,"seo":1324,"stem":1325,"__hash__":1326},"blog/blog/fact-sheet---moving-from-an-ipp-to-an-integris-ppp-trust-platform-to-trust-platform.md","Fact Sheet - Moving from an IPP to an INTEGRIS PPP (Trust platform to Trust platform)",{"type":8,"value":1271,"toc":1313},[1272,1275,1278,1281,1284,1287,1290,1293,1296,1299,1302,1307,1310],[341,1273,1274],{},"Legally, in order to transfer an established IPP from its current provider to an INTEGRIS PPP, the steps will depend on the platform (insurance or trust) on which the pension plan is established and the platform to which it will be moving. Generally, where an IPP moves from a trust platform to a PPP structured on a trust platform, the following steps must occur:",[341,1276,1277],{},"1.           The company sponsoring the IPP provides written termination notice to their current actuary stipulating the effective date of termination of actuarial services.",[341,1279,1280],{},"2.           The company signs an Actuarial Appointment Letter appointing INTEGRIS as the actuarial service provider for the PPP.",[341,1282,1283],{},"3.           The company and the plan member signs the INTEGRIS Agency Agreement with INTEGRIS appointing INTEGRIS as the delegated plan administrator of the amended and restated PPP.",[341,1285,1286],{},"4.           The company passes a board resolution adopting the amended and restated PPP which effectively replaces the IPP.",[341,1288,1289],{},"5.           INTEGRIS prepares and file an Actuarial Valuation Report (AVR) on the transfer of the plan over to        INTEGRIS to determine required contributions.",[341,1291,1292],{},"6.           INTEGRIS registers the amended and restated pension plan with the Canada Revenue Agency and the provincial regulator, as required. This is done by INTEGRIS preparing the required CRA Form T920   and any other provincial Plan   Amendment Form as required. In Ontario, this is the Financial Services Commission of Ontario (FSCO Form 1.1).",[341,1294,1295],{},"7.           If the trustee, insurance provider, custodian, and investment manager are to remain the same, no action will be taken except to inform them in writing that the new delegated plan administrator and actuary is INTEGRIS. Their functions in each case will continue unchanged. INTEGRIS will notify the parties.",[341,1297,1298],{},"8.           If the service providers are changed, INTEGRIS will work with the new service providers to ensure a seamless transition and to obtain the legal documentation that establishes the new arrangement.",[341,1300,1301],{},"9.           INTEGRIS, in its role as an actuary and delegated plan administrator will assume all actuarial and administrative functions with full compliance oversight.",[1303,1304,1306],"h1",{"id":1305},"change-in-contribution-levels","Change in Contribution Levels:",[341,1308,1309],{},"10.     As for changes in the contribution level, once the PPP is in place, and that a new actuarial valuation report has been prepared, the member can elect to move from one component to another. The AVR sets out the contribution levels required under the terms of the PPP.",[341,1311,1312],{},"11.     The company will make contributions to the funding agent based on the results of this new AVR.",{"title":35,"searchDepth":36,"depth":37,"links":1314},[],{"uid":1316,"type":43,"date":1317,"author":45,"cover_image":1318,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1319,"meta_description":1320,"original_posted_date":1321,"tags":1322,"category":48},"fact-sheet---moving-from-an-ipp-to-an-integris-ppp-trust-platform-to-trust-platform","2021-05-06","/uploads/fact-sheet---moving-from-an-ipp-to-an-integris-ppp-trust-platform-to-trust-platform-cover-image.png","Fact Sheet No. 16  moving from an IPP to an INTEGRIS PPP (Trust platform to Trust platform)","Legally, in order to transfer an established IPP from its current provider to an INTEGRIS PPP, the steps will depend on the platform (insurance or trust) on which the pension plan is established and the platform to which it will be moving.","2015-06-02",[48],"/blog/fact-sheet-moving-from-an-ipp-to-an-integris-ppp-trust-platform-to-trust-platform",{"title":1269,"description":1274},"blog/fact-sheet---moving-from-an-ipp-to-an-integris-ppp-trust-platform-to-trust-platform","nDu2gzbJ6J9EYIMK-5n--nlnrASzArRM2IMaCCRwXNQ",{"id":1328,"title":1329,"body":1330,"description":1334,"extension":40,"meta":1352,"navigation":49,"path":1357,"seo":1358,"stem":1359,"__hash__":1360},"blog/blog/fact-sheet---personal-service-businesses.md","Fact Sheet - Personal Service Businesses",{"type":8,"value":1331,"toc":1350},[1332,1335,1338,1341,1344,1347],[341,1333,1334],{},"Normally, a private corporation in Ontario earning less than $500,000 will be taxed favorably under the Small Business Deduction rate of 15.5%. This rate compares well against the top marginal tax rates paid by individuals receiving salaries and bonuses.",[341,1336,1337],{},"Some business owners incorporate their businesses and operate through a corporation with the view that they will benefit from the lower Small Business Deduction rate, and will also be able to claim deductions available to businesses.",[341,1339,1340],{},"However, the Canada Revenue Agency monitors “incorporated employees” and calls them “Personal Service Businesses”. A Personal Service Business is a corporation that is subjected to a higher corporate tax rate (39.5% in Ontario) and for which most usual deductions are denied. For example, an IT consultant with a single client who incorporates runs a high risk of being labeled a Personal Service Business and assessed as such for tax purposes.",[341,1342,1343],{},"Once a company is classified as a Personal Service Business, only a few deductions are permitted to reduce the corporate income subjected to the higher tax rate. The key deductions are salaries paid by the corporation to the employee and contributions to benefit plans including pension plans.",[341,1345,1346],{},"Therefore, if an individual’s corporation were to be considered a Personal Service Business, the establishment of a personal pension plan would enable the individual to deduct the value of contributions made to the plan based on the higher tax rate.",[341,1348,1349],{},"For example, a $1,000 contribution to the personal pension plan would trigger a corporate tax refund of $395.",{"title":35,"searchDepth":36,"depth":37,"links":1351},[],{"uid":1353,"type":43,"date":1212,"author":45,"cover_image":1354,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1329,"meta_description":1355,"original_posted_date":1108,"tags":1356,"category":48},"fact-sheet---personal-service-businesses","/uploads/fact-sheet---personal-service-businesses-cover-image.png","Normally, a private corporation in Ontario earning less than $500,000 will be taxed favourably under the Small Business Deduction rate of 15.5%. This rate compares well against the top marginal tax rates paid by individuals receiving salaries and bonuses.",[48],"/blog/fact-sheet-personal-service-businesses",{"title":1329,"description":1334},"blog/fact-sheet---personal-service-businesses","TJxBVl6cjk4wGb2vJP-69na3a5wcJITu6rzUBK-MlkA",{"id":1362,"title":1363,"body":1364,"description":1368,"extension":40,"meta":1398,"navigation":49,"path":1402,"seo":1403,"stem":1404,"__hash__":1405},"blog/blog/fact-sheet---ppp-contributions.md","Fact Sheet - PPP Contributions",{"type":8,"value":1365,"toc":1396},[1366,1369,1372,1376],[341,1367,1368],{},"Contributions made to the INTEGRIS Personal Pension Plan (PPP) as a Registered Pension Plan (RPP) and those made to Registered Retirement Savings Plans (RRSPs) are subject to the maximum limits imposed by the Canada Revenue Agency.",[341,1370,1371],{},"The information below sets out the 2015 contribution limits and Maximum Pensionable Salary information applicable to the Defined Benefit (DB) and Defined Contribution (DC) components of the PPP which are in turn compared to the RRSP contribution limits applicable to individuals who remain in RRSPs. Further, individuals who establish their own PPPs will have the benefit of being able to make an additional contribution to their RRSP. Below is a summary of these PPP and additional RRSP contribution amounts.",[1303,1373,1375],{"id":1374},"_2015","2015:",[531,1377,1378,1381,1384,1387,1390,1393],{},[19,1379,1380],{},"Maximum Pensionable Salary (MPS) = $140,944.44",[19,1382,1383],{},"DB Limit = $ 40,242.75 (age dependent)\nExample: $ 30,938.81 (at age 50)",[19,1385,1386],{},"DC Limit = $25,370",[19,1388,1389],{},"RRSP Limit = $24, 930",[19,1391,1392],{},"INTEGRIS DC -­‐ RRSP Gap = $440",[19,1394,1395],{},"INTEGRIS DB -­‐ Additional RRSP = $600",{"title":35,"searchDepth":36,"depth":37,"links":1397},[],{"uid":1399,"type":43,"date":1317,"author":45,"cover_image":1400,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1363,"meta_description":1368,"original_posted_date":1321,"tags":1401,"category":48},"fact-sheet---ppp-contributions","/uploads/fact-sheet---ppp-contributions-cover-image.png",[48],"/blog/fact-sheet-ppp-contributions",{"title":1363,"description":1368},"blog/fact-sheet---ppp-contributions","WtKRVnCum_IHp3vLIXArJ9k58FUQ0Y5qmTWOYlVDGTw",{"id":1407,"title":1408,"body":1409,"description":1413,"extension":40,"meta":1431,"navigation":49,"path":1437,"seo":1438,"stem":1439,"__hash__":1440},"blog/blog/fact-sheet---terminal-funding.md","Fact Sheet - Terminal Funding",{"type":8,"value":1410,"toc":1429},[1411,1414,1417,1420,1423,1426],[341,1412,1413],{},"When a business owner is selling the business or about to retire, transferring assets can trigger tax consequences. Personal Pension Plans (PPPs) do offer a retiring plan member with a one-­‐time opportunity to upgrade the basic pension promised under the plan with additional benefits. The most common ancillary benefits include:",[341,1415,1416],{},"·         Early unreduced pension benefits",[341,1418,1419],{},"·         CPP bridge payments",[341,1421,1422],{},"·         Indexing to Consumer Price Index",[341,1424,1425],{},"These benefits must be funded by the corporation sponsoring the PPP, assuming it has additional cash on hand.  When a corporate sponsor of a PPP makes a one-­‐time contribution to the PPP to settle the cost of the ancillary benefits, it can claim a supplemental tax deduction against its corporate income.",[341,1427,1428],{},"This process is known as “terminal funding”. It can occur when the member retires, or if the plan itself is terminated prior to retirement.",{"title":35,"searchDepth":36,"depth":37,"links":1430},[],{"uid":1432,"type":43,"date":1433,"author":45,"cover_image":1434,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1408,"meta_description":1435,"original_posted_date":1108,"tags":1436,"category":48},"fact-sheet---terminal-funding","2021-06-04","/uploads/fact-sheet---terminal-funding-cover-image.png","When a business owner is selling the business or about to retire, transferring assets can trigger tax consequences. Personal Pension Plans (PPPs) do offer a retiring plan member with a one-­‐time opportunity to upgrade the basic pension promised under the plan with additional benefits.",[48],"/blog/fact-sheet-terminal-funding",{"title":1408,"description":1413},"blog/fact-sheet---terminal-funding","-6ahdDEacKURKT-VvTMKQeDS3Uw3AD4DM93e6-rCO6c",{"id":1442,"title":1443,"body":1444,"description":1448,"extension":40,"meta":1469,"navigation":49,"path":1473,"seo":1474,"stem":1475,"__hash__":1476},"blog/blog/fact-sheet---understanding-the-power-of-additional-voluntary-contributions.md","Fact Sheet - Understanding the Power of Additional Voluntary Contributions",{"type":8,"value":1445,"toc":1467},[1446,1449,1452,1455,1458,1461,1464],[341,1447,1448],{},"The INTEGRIS Personal Pension Plan is a collection of three distinct subaccounts (defined benefit (“DB”), defined contribution (“DC”) and additional voluntary contributions or “AVC”).",[341,1450,1451],{},"When a PPP member saves under the defined contribution option, the employer makes a mandatory 1% of T4 income contribution. The employee, however, also has the option of making an employee voluntary contribution, ranging from 0% to 17% of T4 income. These voluntary employee contributions are then deposited inside of the AVC subaccount of the PPP – and treated as if they were DC assets.",[341,1453,1454],{},"This employee contribution has the effect of reducing personal income taxes owed since it is an employee contribution. Someone paying at a marginal tax rate of 45% and contribution to the PPP would receive a tax refund of $45 for every $100 made to the pension plan’s AVC account.",[341,1456,1457],{},"The AVC account serves another purpose: to receive RRSP assets held at other financial institutions. Because the RRSP annuitant received tax assistance when he or she contributed to the RRSP, a transfer of RRSP assets into the AVC account does not trigger any new deductions1. However, once RRSP assets enter the PPP, they are for all purposes treated as pension monies and subjected to any applicable provincial pension legislation. In a number of provinces, assets held in the AVC account are therefore trade creditor-­‐protected.",[341,1459,1460],{},"The other consequence is that since voluntary contributions (and RRSP transfers) are not used to purchase past service under the plan’s DB component, they are not subject to provincial locking-­‐in rules and can be withdrawn from the pension plan prior to retirement age. A transfer to another RRSP can take place by using a CRA Form T2151.",[341,1462,1463],{},"Finally, since under the terms of a PPP, the investment management fees relating to the assets in the AVC account (or for that matter, all fees payable under the PPP) are the legal responsibility of the plan sponsor of the PPP, they are deductible under section 18 of the Income Tax Act (Canada). On a large RRSP transfer into the AVC account, this can create substantial additional tax relief for the PPP sponsor. By way of illustration, a $1,000,000 RRSP transfer to the AVC account where the client pays 1.5% of assets under management would create a new corporate tax deduction for the PPP sponsor of $15,000 annually (and growing with the size of the assets under management.)",[341,1465,1466],{},"This deduction is in addition to the regular deductions that the corporation would claim either under the DB component or DC component of the PPP.",{"title":35,"searchDepth":36,"depth":37,"links":1468},[],{"uid":1470,"type":43,"date":1317,"author":45,"cover_image":1471,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1443,"meta_description":1448,"original_posted_date":1108,"tags":1472,"category":48},"fact-sheet---understanding-the-power-of-additional-voluntary-contributions","/uploads/fact-sheet---understanding-the-power-of-additional-voluntary-contributions-cover-image.png",[48],"/blog/fact-sheet-understanding-the-power-of-additional-voluntary-contributions",{"title":1443,"description":1448},"blog/fact-sheet---understanding-the-power-of-additional-voluntary-contributions","1unS3TqwWf7sXQ975Pjztsj7hzviVSTiiDG-UhAekWg",{"id":1478,"title":1479,"body":1480,"description":1484,"extension":40,"meta":1508,"navigation":49,"path":1514,"seo":1515,"stem":1516,"__hash__":1517},"blog/blog/fact-sheet---what-is-the-opportunity-cost-of-the-status-quo-rrsp-savings.md","Fact Sheet - What is the Opportunity Cost of the Status Quo (RRSP Savings)?",{"type":8,"value":1481,"toc":1506},[1482,1485,1488,1491,1494,1497,1500,1503],[341,1483,1484],{},"Let us take a  45‐year old owner/operator drawing  $140,000  per annum in salary and contributing the maximum under either an RRSP or Personal Pension Plan.",[341,1486,1487],{},"This individual decides to retire at age 65. Throughout the accumulation phase of 20 years, assets return 7.5% (and earnings are tax-exempt while in the registered accounts).",[341,1489,1490],{},"Every day that this person does not upgrade to a PPP translates into a loss of $136. This does not factor in additional tax savings (and higher tax refunds) relating to the PPP features such as:",[341,1492,1493],{},"·         Deductibility of Fees",[341,1495,1496],{},"·         HST 33% Refund",[341,1498,1499],{},"·         Terminal Funding",[341,1501,1502],{},"·         Corporate Deduction for Purchase of Past Service",[341,1504,1505],{},"·         Tax Deductibility of Special Payments",{"title":35,"searchDepth":36,"depth":37,"links":1507},[],{"uid":1509,"type":43,"date":1510,"author":45,"cover_image":1511,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1479,"meta_description":1512,"original_posted_date":1108,"tags":1513,"category":48},"fact-sheet---what-is-the-opportunity-cost-of-the-status-quo-rrsp-savings","2021-05-31","/uploads/fact-sheet---what-is-the-opportunity-cost-of-the-status-quo-rrsp-savings-cover-image.png","Let  us  take  a  45-­‐year  old  owner/operator  drawing  $140,000  per  annum  in  salary and contributing the maximum under either an RRSP or Personal Pension Plan.",[48],"/blog/fact-sheet-what-is-the-opportunity-cost-of-the-status-quo-rrsp-savings",{"title":1479,"description":1484},"blog/fact-sheet---what-is-the-opportunity-cost-of-the-status-quo-rrsp-savings","TUXnPJnJvsDIq7TdUQDWe7jBYcIw9dtz3IwuRwfkwtI",{"id":1519,"title":1520,"body":1521,"description":1525,"extension":40,"meta":1549,"navigation":49,"path":1554,"seo":1555,"stem":1556,"__hash__":1557},"blog/blog/fact-sheet---why-pay-for-fiduciary-oversight.md","Fact Sheet - Why Pay for Fiduciary Oversight?",{"type":8,"value":1522,"toc":1547},[1523,1526,1529,1532,1535,1538,1541,1544],[341,1524,1525],{},"Ensuring a secure source of income in retirement is an important goal. While many options exist within the financial services landscape, it is difficult to know whether service providers retained are bound to act in your best interest or whether the general rule of ‘buyer beware’ applies.",[341,1527,1528],{},"Pension legislation has long resolved this issue in favour of the pension plan member by decreeing that the legal administrator of a pension plan must act in the best interests of the plan member, in other words, must act as a fiduciary. Pension legislation also states that the agent of such a plan administrator must also be held to this same fiduciary standard of care.",[341,1530,1531],{},"Because INTEGRIS is appointed as the delegated plan administrator of the PPP, it must legally act in the best interest of its clients. A number of practical consequences flow from this legal principle:",[341,1533,1534],{},"·         INTEGRIS must always put the interests of its clients above its own.",[341,1536,1537],{},"·         INTEGRIS acts on behalf of the plan member in dealings with service providers to the PPP.",[341,1539,1540],{},"·         INTEGRIS seeks to generate economies of scale to pass along to its clients.",[341,1542,1543],{},"·         INTEGRIS provides an oversight role that large corporations adopt through their Compliance Departments in order to follow best practices and ensure being in good standing with regulatory authorities.",[341,1545,1546],{},"While it would not be economically viable for a single plan member to afford and maintain the expertise of the supervisory team offered by INTEGRIS, since this service is offered across the INTEGRIS clientele, all can enjoy full compliance and peace of mind at an affordable price.",{"title":35,"searchDepth":36,"depth":37,"links":1548},[],{"uid":1550,"type":43,"date":1551,"author":45,"cover_image":1552,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1520,"meta_description":1525,"original_posted_date":1108,"tags":1553,"category":48},"fact-sheet---why-pay-for-fiduciary-oversight","2021-05-25","/uploads/fact-sheet---why-pay-for-fiduciary-oversight-cover-image.png",[48],"/blog/fact-sheet-why-pay-for-fiduciary-oversight",{"title":1520,"description":1525},"blog/fact-sheet---why-pay-for-fiduciary-oversight","GkDltGfCdwdbN3nZr68dUK9wBq-mjuXhoyOVtBETBFY",{"id":1559,"title":1560,"body":1561,"description":1565,"extension":40,"meta":1580,"navigation":49,"path":1586,"seo":1587,"stem":1588,"__hash__":1589},"blog/blog/fact-sheet-no.-1-understanding-wealth-creation.md","Fact Sheet - Understanding Wealth Creation",{"type":8,"value":1562,"toc":1578},[1563,1566,1569,1572,1575],[341,1564,1565],{},"There are many ways to create wealth.",[341,1567,1568],{},"One of the most common strategies is investing regularly in a retirement saving plan. Some of the typical strategies in retirement planning might include the buying and selling of securities, mutual funds, ETFs as well as portfolio diversification and tactical asset allocation.",[341,1570,1571],{},"Most of these strategies involve some degree of risk. For example, diversification could decrease the risk of loss in a portfolio, but depending on the asset classes chosen, a sudden market correction could negatively impact overall returns. Market timing is perhaps one of the riskiest strategies as well.",[341,1573,1574],{},"The  INTEGRIS  PPP  offers specific  risk-­‐free  ways of creating wealth. The  most common are listed below:",[341,1576,1577],{},"Each of these drivers of value creation are not related to stock market volatility and generate larger tax refunds or new flows of monies for the pension fund or its corporate sponsor. While taking risks to chase returns is a strategy followed by many, the PPP clients can reduce their risk and increase their wealth by enjoying the superior tax advantages of a pension plan instead.",{"title":35,"searchDepth":36,"depth":37,"links":1579},[],{"uid":1581,"type":43,"date":1212,"author":45,"cover_image":1582,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":1583,"meta_description":1584,"original_posted_date":1108,"tags":1585,"category":48},"fact-sheet-no.-1-understanding-wealth-creation","/uploads/fact-sheet-no.-1-understanding-wealth-creation-cover-image.png","Fact Sheet No. 1: Understanding Wealth Creation","The  INTEGRIS  PPP  offers specific  risk-­‐free  ways of creating wealth.",[48],"/blog/fact-sheet-no.-1-understanding-wealth-creation",{"title":1560,"description":1565},"blog/fact-sheet-no.-1-understanding-wealth-creation","KjTv--SOX6LTeVhy8ZbwCK4cdy-LynYeQLT6kOwUf4I",{"id":1591,"title":1592,"body":1593,"description":35,"extension":40,"meta":1597,"navigation":49,"path":1602,"seo":1603,"stem":1604,"__hash__":1605},"blog/blog/financial-advisor-susan-mallin-reviews-ppps-in-this-article.md","Financial advisor Susan Mallin reviews PPPs in this article",{"type":8,"value":1594,"toc":1595},[],{"title":35,"searchDepth":36,"depth":37,"links":1596},[],{"uid":1598,"type":43,"date":1599,"link":1600,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1601,"category":69},"financial-advisor-susan-mallin-reviews-ppps-in-this-article","2018-04-25","https://integris-website.cdn.prismic.io/integris-website/5e9131fa-2b90-4c0c-8170-8085f49e902a_Susan+Mallin+Article+on+PPP.pdf",[69],"/blog/financial-advisor-susan-mallin-reviews-ppps-in-this-article",{"title":1592,"description":35},"blog/financial-advisor-susan-mallin-reviews-ppps-in-this-article","YowPvBG_KJPB4rrjF8OlKrgytXCQVVwoBrgE_tpP8_A",{"id":1607,"title":1608,"body":1609,"description":35,"extension":40,"meta":1613,"navigation":49,"path":1618,"seo":1619,"stem":1620,"__hash__":1621},"blog/blog/financial-writer-romina-maurino-features-integris-ceo-jp-laporte-in-an-article-discussing-the-canada-pension-plan.md","Financial writer Romina Maurino features Integris Ceo JP Laporte in an article discussing the Canada pension plan",{"type":8,"value":1610,"toc":1611},[],{"title":35,"searchDepth":36,"depth":37,"links":1612},[],{"uid":1614,"type":43,"date":1615,"link":1616,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1617,"category":69},"financial-writer-romina-maurino-features-integris-ceo-jp-laporte-in-an-article-discussing-the-canada-pension-plan","2015-09-09","https://www.finpipe.com/whats-the-canada-pension-plan/",[69],"/blog/financial-writer-romina-maurino-features-integris-ceo-jp-laporte-in-an-article-discussing-the-canada-pension-plan",{"title":1608,"description":35},"blog/financial-writer-romina-maurino-features-integris-ceo-jp-laporte-in-an-article-discussing-the-canada-pension-plan","lLsf6iK5XcIZELdlL9AIME-lhCI-GQwZajiYrlVfa5o",{"id":1623,"title":1624,"body":1625,"description":35,"extension":40,"meta":1629,"navigation":49,"path":1634,"seo":1635,"stem":1636,"__hash__":1637},"blog/blog/financial-writer-romina-maurino-on-personal-pension-plans.md","Financial writer Romina Maurino on personal pension plans",{"type":8,"value":1626,"toc":1627},[],{"title":35,"searchDepth":36,"depth":37,"links":1628},[],{"uid":1630,"type":43,"date":1631,"link":1632,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1633,"category":69},"financial-writer-romina-maurino-on-personal-pension-plans","2015-06-30","https://www.finpipe.com/personal-pension-plans/",[69],"/blog/financial-writer-romina-maurino-on-personal-pension-plans",{"title":1624,"description":35},"blog/financial-writer-romina-maurino-on-personal-pension-plans","EiP6Cdshz6CY3UJn0HLPmOiA7z3CSgEMUGQh0Te6kBU",{"id":1639,"title":1640,"body":1641,"description":35,"extension":40,"meta":1645,"navigation":49,"path":1651,"seo":1652,"stem":1653,"__hash__":1654},"blog/blog/financial-writer-romina-maurino-on-retirement-plans-for-small-business-owners.md","Financial writer Romina Maurino on retirement plans for small business owners",{"type":8,"value":1642,"toc":1643},[],{"title":35,"searchDepth":36,"depth":37,"links":1644},[],{"uid":1646,"type":43,"date":1647,"link":1648,"author":65,"cover_image":1649,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1650,"category":69},"financial-writer-romina-maurino-on-retirement-plans-for-small-business-owners","2015-11-05","https://www.finpipe.com/retirement-plans-for-small-business-owners/","/uploads/financial-writer-romina-maurino-on-retirement-plans-for-small-business-owners-cover-image.jpeg",[69],"/blog/financial-writer-romina-maurino-on-retirement-plans-for-small-business-owners",{"title":1640,"description":35},"blog/financial-writer-romina-maurino-on-retirement-plans-for-small-business-owners","y7rSnzb17czGe_7yW5Jz6ZQD1ZMl5TEpkMvqGVy0i-4",{"id":1656,"title":1657,"body":1658,"description":35,"extension":40,"meta":1662,"navigation":49,"path":1668,"seo":1669,"stem":1670,"__hash__":1671},"blog/blog/finpipe-features-integris-ceo-on-discussing-retirement-plans-for-small-businesses.md","Finpipe features Integris CEO on discussing retirement plans for small businesses",{"type":8,"value":1659,"toc":1660},[],{"title":35,"searchDepth":36,"depth":37,"links":1661},[],{"uid":1663,"type":43,"date":1664,"link":1665,"author":65,"cover_image":1666,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1667,"category":69},"finpipe-features-integris-ceo-on-discussing-retirement-plans-for-small-businesses","2017-02-14","https://www.finpipe.com/explained-top-canadian-retirement-planning-vehicles/","/uploads/finpipe-features-integris-ceo-on-discussing-retirement-plans-for-small-businesses-cover-image.jpeg",[69],"/blog/finpipe-features-integris-ceo-on-discussing-retirement-plans-for-small-businesses",{"title":1657,"description":35},"blog/finpipe-features-integris-ceo-on-discussing-retirement-plans-for-small-businesses","dTdYnwP7F9mCJxFXDl7lk9X_VCw9QuAEfiYtrAWkzTQ",{"id":1673,"title":1674,"body":1675,"description":35,"extension":40,"meta":1679,"navigation":49,"path":1685,"seo":1686,"stem":1687,"__hash__":1688},"blog/blog/fireside-chat-unlocking-the-power-of-personal-pens.md","Fireside Chat: Unlocking the Power of Personal Pension Plans for Business Owners & Professionals",{"type":8,"value":1676,"toc":1677},[],{"title":35,"searchDepth":36,"depth":37,"links":1678},[],{"uid":1680,"type":43,"date":1681,"link":1682,"author":45,"cover_image":1683,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":1684,"category":757},"fireside-chat-unlocking-the-power-of-personal-pens","2025-02-06","https://youtu.be/je6qzgCQi0I?si=kUWorzQzPIOo_rHa","/uploads/fireside-chat-unlocking-the-power-of-personal-pens-cover-image.webp",[757],"/blog/fireside-chat-unlocking-the-power-of-personal-pens",{"title":1674,"description":35},"blog/fireside-chat-unlocking-the-power-of-personal-pens","T1kbuqLSf9EnFoluOAVBn2TW2yk1pNl9uz1DbZqtOrA",{"id":1690,"title":1691,"body":1692,"description":35,"extension":40,"meta":1696,"navigation":49,"path":1702,"seo":1703,"stem":1704,"__hash__":1705},"blog/blog/first-of-two-podcasts-with-dr-yatin-chadha-on-beyond1.md","Second of 2 podcasts with Dr. Yatin Chadha on “Beyond MD” this time dealing with Personal Pension 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of two podcasts with Dr. Yatin Chadha on “Beyond 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Together, HUB and INTEGRIS Pension Management Corp. give Canadian business owners, franchisees, and incorporated professionals the opportunity to take advantage of this superior retirement savings option without the hassle and complexity of managing a pension plan.",[341,2032,2033],{},"About HUB Financial",[341,2035,2036,2037,2041],{},"HUB Financial Inc. is one of Canada’s largest distributors of life insurance and investment solutions.  As a full-service Managing General Agency (MGA) with 15 offices throughout Canada, HUB supports over 5,000 independent Financial Advisors who help people plan and live better lives. HUB Financial Inc. is a subsidiary of HUB International Limited, the 5th largest insurance brokerage in the world.  HUB’s vision is to be everywhere risk exists – today and tomorrow. Helping protect what matters most.  Please visit ",[354,2038,2040],{"rel":2039},[1238],"www.hubfinancial.com to"," learn more about HUB Financial.",[341,2043,2044],{},"About INTEGRIS Pension Management Corp.",[341,2046,2047,2048,2052],{},"Founded in 2014, INTEGRIS commercialized the Personal Pension Plan or PPP® to give Canadian entrepreneurs, and their families, access to the most tax-efficient retirement solution in the country.  Using government approved combination registered pension plans and fiduciary oversight to provide peace of mind for its clients, INTEGRIS delivers a suite of pension consulting services to its high net worth clientele across Canada. 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Website",{"type":8,"value":2315,"toc":2328},[2316,2319,2322,2325],[341,2317,2318],{},"We are pleased to announce the launch of our newly designed INTEGRIS website.",[341,2320,2321],{},"We have dedicated the past four months to not only revamping the look but also, more importantly, redesigning the ease of use for you the consumer. Our priority is you, the client, and it is our goal to make information regarding the Personal Pension Plan user friendly and readily accessible. We hope that you find this new design faster, easier to navigate and a pleasure to visit to learn more about Personal Pension Plans.",[341,2323,2324],{},"We are excited to introduce the INTEGRIS Advanced Knowledge Centre, which features online courses for you to further expand your knowledge in the pension and estate planning niche.",[341,2326,2327],{},"Finally, we would be remiss if we did not acknowledge our amazing staff who donated their time and talents to making the Integris website a welcoming, expertly executed place for our clients to enjoy visiting, and hopefully gain much more insight into what we have to offer. ",{"title":35,"searchDepth":36,"depth":37,"links":2329},[],{"uid":2331,"type":43,"date":2332,"author":45,"cover_image":2333,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":2334,"meta_title":2313,"meta_description":2321,"original_posted_date":45,"tags":2335},"integris-new-website","2021-01-04","/uploads/integris-new-website-cover-image.png","object-fit-contain p-5 bg-custom-grey",[],"/blog/integris-new-website",{"title":2313,"description":2318},"blog/integris-new-website","W6LwqPmdVHiPB2LGCjNoOa4tXxPA1Z7jFIiCnZDnJwI",{"id":2341,"title":2342,"body":2343,"description":2371,"extension":40,"meta":2372,"navigation":49,"path":2378,"seo":2379,"stem":2380,"__hash__":2381},"blog/blog/integris-pension-management-corp.-integris-mgt.com.md","INTEGRIS Pension Management Corp. to offer LINK’s Multi-Employer Defined Contribution Pension Plan solution to corporate clients.",{"type":8,"value":2344,"toc":2369},[2345,2357],[341,2346,2347,2348,2352,2353,2356],{},"INTEGRIS Pension Management Corp. ",[2349,2350,2351],"span",{},"integris-mgt.com"," to offer Multi-Employer Defined Contribution Pension Plan solution to corporate clients through its partnership with Western-based Link Investment Management Inc. ",[2349,2354,2355],{},"lim.solutions","  Effective March 1st, 2021, Toronto-based INTEGRIS Pension Management Corp. (“INTEGRIS”) will offer to larger corporate clients access to a multi-employer pension plan (“MEPP”) solution utilizing the technology and administrative services of Link Investment Management Inc. (“LINK”). The MEPP offering is a low-cost, low-touch, technology-forward administration solution for corporations that want to offer workplace retirement solutions for valued employees – without the significant compliance and monitoring overhead that often accompanies single-employer group retirement plans. Anchored in cutting-edge proprietary software and Exchange Traded Fund's low-cost investment models, LINK delivers the value of established group savings plans at a fraction of the cost in a user-friendly digital interface. INTEGRIS Chief Executive Officer stated: “Offering group solutions to our forward-thinking clientele through LINK was a natural next step in our evolution.” “As a fintech company, Link is focused on leveraging innovation and next-generation technology. We’re excited to be teaming up with Integris to offer access to our proprietary digital platform, portfolio management services, and dedicated plan servicing for the benefit of their clients,” says Brian McClennon, President and CEO of Link.",[341,2358,2359,2360,2364,2365],{},"For more information contact: Dianne Verschuere at ",[354,2361,2363],{"href":2362},"mailto:dverschuere@lim.solutions","dverschuere@lim.solutions"," or Miranda McLean at ",[354,2366,2368],{"href":2367},"mailto:miranda.mclean@integris-mgt.com","miranda.mclean@integris-mgt.com",{"title":35,"searchDepth":36,"depth":37,"links":2370},[],"INTEGRIS Pension Management Corp. integris-mgt.com to offer Multi-Employer Defined Contribution Pension Plan solution to corporate clients through its partnership with Western-based Link Investment Management Inc. lim.solutions  Effective March 1st, 2021, Toronto-based INTEGRIS Pension Management Corp. (“INTEGRIS”) will offer to larger corporate clients access to a multi-employer pension plan (“MEPP”) solution utilizing the technology and administrative services of Link Investment Management Inc. (“LINK”). The MEPP offering is a low-cost, low-touch, technology-forward administration solution for corporations that want to offer workplace retirement solutions for valued employees – without the significant compliance and monitoring overhead that often accompanies single-employer group retirement plans. Anchored in cutting-edge proprietary software and Exchange Traded Fund's low-cost investment models, LINK delivers the value of established group savings plans at a fraction of the cost in a user-friendly digital interface. INTEGRIS Chief Executive Officer stated: “Offering group solutions to our forward-thinking clientele through LINK was a natural next step in our evolution.” “As a fintech company, Link is focused on leveraging innovation and next-generation technology. We’re excited to be teaming up with Integris to offer access to our proprietary digital platform, portfolio management services, and dedicated plan servicing for the benefit of their clients,” says Brian McClennon, President and CEO of Link.",{"uid":2373,"type":43,"date":2374,"author":45,"cover_image":2375,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":2342,"meta_description":2376,"original_posted_date":45,"tags":2377,"category":69},"integris-pension-management-corp.-integris-mgt.com","2021-03-23","/uploads/integris-pension-management-corp.-integris-mgt.com-cover-image.jpg","INTEGRIS Pension Management Corp. [integris-mgt.com] to offer Multi-Employer Defined Contribution Pension Plan solution to corporate clients through its partnership with Western-based Link Investment Management Inc",[69],"/blog/integris-pension-management-corp.-integris-mgt.com",{"title":2342,"description":2371},"blog/integris-pension-management-corp.-integris-mgt.com","d-CP-MTVbmtnfsxEHu4Y-cwpYHCGCpjA3G5bgiDvPsY",{"id":2383,"title":2384,"body":2385,"description":35,"extension":40,"meta":2389,"navigation":49,"path":2395,"seo":2396,"stem":2397,"__hash__":2398},"blog/blog/integris-ppp-featured-on-am-640-on-your-life-your-money-show-on-sunday-july-28-2019.md","Integris PPP featured on AM 640 on Your Life, Your Money show on Sunday, July 28, 2019",{"type":8,"value":2386,"toc":2387},[],{"title":35,"searchDepth":36,"depth":37,"links":2388},[],{"uid":2390,"type":43,"date":2391,"link":2392,"author":65,"cover_image":2393,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":2394,"category":69},"integris-ppp-featured-on-am-640-on-your-life-your-money-show-on-sunday-july-28-2019","2019-07-28","https://omny.fm/shows/640-toronto/your-life-your-money-sunday-july-28th-2019","/uploads/integris-ppp-featured-on-am-640-on-your-life-your-money-show-on-sunday-july-28-2019-cover-image.jpeg",[69],"/blog/integris-ppp-featured-on-am-640-on-your-life-your-money-show-on-sunday-july-28-2019",{"title":2384,"description":35},"blog/integris-ppp-featured-on-am-640-on-your-life-your-money-show-on-sunday-july-28-2019","5UF42aifKe1SIrrJSpLGd5fcyCRTFnZaWQhBuZcg58k",{"id":2400,"title":2401,"body":2402,"description":2406,"extension":40,"meta":2981,"navigation":49,"path":2986,"seo":2987,"stem":2988,"__hash__":2989},"blog/blog/integris-ppp-vs-ipp.md","INTEGRIS PPP® vs IPP",{"type":8,"value":2403,"toc":2882},[2404,2407,2410,2416,2419,2423,2428,2431,2435,2438,2442,2445,2449,2452,2460,2463,2472,2475,2478,2482,2485,2488,2491,2494,2497,2500,2503,2505,2509,2512,2515,2518,2521,2524,2527,2531,2534,2537,2540,2543,2546,2549,2552,2556,2559,2562,2565,2568,2571,2574,2578,2581,2584,2587,2590,2593,2596,2599,2603,2606,2609,2612,2615,2618,2621,2625,2628,2631,2634,2640,2643,2646,2650,2653,2656,2659,2662,2665,2668,2672,2675,2678,2681,2684,2687,2690,2694,2697,2700,2703,2705,2708,2711,2715,2718,2720,2723,2725,2728,2730,2734,2737,2739,2742,2744,2747,2749,2753,2756,2758,2761,2763,2766,2768,2772,2775,2778,2781,2784,2787,2789,2793,2796,2798,2801,2804,2807,2809,2813,2816,2818,2821,2824,2827,2829,2833,2836,2839,2841,2844,2847,2850,2852,2856,2859],[341,2405,2406],{},"19 Reasons why you should upgrade your IPP to an INTEGRIS Personal Pension Plan.",[341,2408,2409],{},"Click here to download this comparison in a PDF table format",[341,2411,2412,2413],{},"Click here to download this comparison in a PDF table format ",[2349,2414,2415],{},"French/ Français",[341,2417,2418],{},"Click here to download a Memo / Case Study",[11,2420,2422],{"id":2421},"legal-framework","Legal Framework",[2424,2425,2427],"h3",{"id":2426},"ipp","IPP",[341,2429,2430],{},"Offers DB only and could offer AVC side account",[2424,2432,2434],{"id":2433},"ppp","PPP®",[341,2436,2437],{},"Combination registered pension plan that offers; Defined Benefit (DB) accruals like an IPP Defined Contributions (DC) and Additional Voluntary Contributions (AVC)",[2424,2439,2441],{"id":2440},"advantage","Advantage",[341,2443,2444],{},"PPP® since everything an IPP offers is already part of the DB component of the PPP®",[11,2446,2448],{"id":2447},"fund-holders-permissible","Fund holders permissible",[2424,2450,2427],{"id":2451},"ipp-1",[531,2453,2454,2457],{},[19,2455,2456],{},"3 individual trustees",[19,2458,2459],{},"Insurance company",[2424,2461,2434],{"id":2462},"ppp-1",[531,2464,2465,2468,2470],{},[19,2466,2467],{},"Corporate Trustee",[19,2469,2456],{},[19,2471,2459],{},[2424,2473,2441],{"id":2474},"advantage-1",[341,2476,2477],{},"PPP® - Corporate Trustee shields clients from taking on legal liability and potential risks of non-compliance.",[11,2479,2481],{"id":2480},"fiduciary-oversight-provided","Fiduciary*  oversight provided?",[341,2483,2484],{},"Fiduciary: someone legally bound to put the client’s interests ahead of those of the fiduciary.  See Schedule “A” for details.",[2424,2486,2427],{"id":2487},"ipp-2",[341,2489,2490],{},"No. Only an actuary and support staff provided.",[2424,2492,2434],{"id":2493},"ppp-2",[341,2495,2496],{},"Yes.   Team of pension lawyers and staff act as the pension committee of the PPP®",[341,2498,2499],{},"See Schedule “A’’ below for a description of the fiduciary oversight services offered by INTEGRIS to PPP® clients.",[2424,2501,2441],{"id":2502},"advantage-2",[341,2504,2477],{},[11,2506,2508],{"id":2507},"tax-if-the-plan-is-in-excess-surplus-and-additional-accruals-offered-can-tax-deductions-be-claimed","Tax: If the plan is in \"excess surplus\" and additional accruals offered, can tax deductions be claimed?",[2424,2510,2427],{"id":2511},"ipp-3",[341,2513,2514],{},"No.   Pension Adjustments generated eliminate contribution room in RRSP and excess surplus forces the company into a contribution holiday.",[2424,2516,2434],{"id":2517},"ppp-3",[341,2519,2520],{},"Yes.   via the DC mode and contributions to the member’s RRSP in the next calendar year.",[2424,2522,2441],{"id":2523},"advantage-3",[341,2525,2526],{},"PPP®  - up to 17% of salary can be contributed to the RRSP in the next year to generate personal tax deductions every year that the plan is in ‘excess surplus’.",[11,2528,2530],{"id":2529},"tax-can-deductions-be-claimed-if-the-company-decides-not-to-contribute-to-the-defined-benefit-provision-of-the-plan","Tax:   Can deductions be claimed if the company decides not to contribute to the Defined Benefit provision of the plan?",[341,2532,2533],{},"N.B.: Important for ON,BC, AB, MB, QC, NS and PEI",[2424,2535,2427],{"id":2536},"ipp-4",[341,2538,2539],{},"No. Even in provinces where there are no mandatory years of credited services, this generates a pension adjustment that eliminates personal RRSP contributions room.",[2424,2541,2434],{"id":2542},"ppp-4",[341,2544,2545],{},"Yes, an individual can contribute to their AVC account (up to 17% of T4 income subject to money purchase limit) and claim personal tax deductions even if the company is taking a contribution holiday.",[2424,2547,2441],{"id":2548},"advantage-4",[341,2550,2551],{},"PPP® - since the PPP® client can obtain tax deductions personally even though the corporation wishes to forgo contributions (and deductions) in a given year. The same result can be achieved with an IPP with additional efforts and potential costs.",[11,2553,2555],{"id":2554},"tax-can-larger-tax-deductible-special-payments-be-generated","Tax: Can larger tax-deductible special payments be generated?",[2424,2557,2427],{"id":2558},"ipp-5",[341,2560,2561],{},"No.   When the IPP account has a blend of diversified asset classes, the average rate of return is higher which mitigates the size of the ‘special payment’.",[2424,2563,2434],{"id":2564},"ppp-5",[341,2566,2567],{},"Yes.   Lower-yielding asset classes can be held within the DB component of the PPP® while higher-yielding (but riskier) assets can remain in the DC or AVC component.",[2424,2569,2441],{"id":2570},"advantage-5",[341,2572,2573],{},"PPP® - while it is possible for an IPP to invest in very low-yielding asset classes to create larger special payments, the rest of the portfolio must necessarily be held in non-registered taxable accounts which impairs long-term growth.",[11,2575,2577],{"id":2576},"tax-is-the-use-of-an-rrsp-from-age-18-to-37-followed-by-an-ipp-thereafter-more-advantageous-than-a-ppp-at-all-ages","Tax:   Is the use of an RRSP from age 18 to 37 followed by an IPP thereafter, more advantageous than a PPP® at all ages?",[2424,2579,2427],{"id":2580},"ipp-6",[341,2582,2583],{},"No.",[2424,2585,2434],{"id":2586},"ppp-6",[341,2588,2589],{},"The PPP® client can contribute in the first year to both the RRSP and PPP® (DC & AVC) accounts.",[2424,2591,2441],{"id":2592},"advantage-6",[341,2594,2595],{},"PPP® - since being able to contribute a full PPP® contribution over an extended period of time translates wealth over the RRSP + IPP option.",[341,2597,2598],{},"(see below)",[11,2600,2602],{"id":2601},"tax-how-much-additional-funds-can-someone-who-makes-a-single-ppp-contribution-27830-at-age-18-turn-into-by-age-71-if-assets-grow-at-75","Tax:   How much additional funds can someone who makes a single PPP® contribution ($27,830) at age 18 turn into by age 71 if assets grow at 7.5%?",[2424,2604,2427],{"id":2605},"ipp-7",[341,2607,2608],{},"N/A   (only RRSP contribution being done as is the case with the PPP® client in year 1)",[2424,2610,2434],{"id":2611},"ppp-7",[341,2613,2614],{},"$1,285,765.63",[2424,2616,2441],{"id":2617},"advantage-7",[341,2619,2620],{},"PPP® -- even if INTEGRIS Fees are deducted, the client is still $1M richer over this time horizon.",[11,2622,2624],{"id":2623},"tax-is-there-a-way-to-mitigate-the-taxes-owing-when-a-pension-plan-is-wound-up-under-income-tax-regulation-8517-maximum-transfer-value-and-assets-are-transferred-to-a-liralif","Tax:   Is there a way to mitigate the taxes owing when a pension plan is wound up under Income Tax Regulation 8517 (maximum transfer value) and assets are transferred to a LIRA/LIF?",[2424,2626,2427],{"id":2627},"ipp-8",[341,2629,2630],{},"No.   The full IPP account will be subjected to the maximum transfer value tax under Income Tax Regulation 8517 on plan wind up.",[2424,2632,2434],{"id":2633},"ppp-8",[341,2635,2636,2637],{},"Yes.   By increasing the DC contribution rate from 1% to 18% and using DB surplus to fund this employer required contribution. ",[2349,2638,2639],{},"See Supreme Court of Canada decision of Nolan v. Kerry (Canada) inc. for details on cross-subsidization.",[2424,2641,2441],{"id":2642},"advantage-8",[341,2644,2645],{},"PPP®   - No tax is owing when DC funds are transferred into a (LIRA) Locked-In Retirement Account or Life Income Fund (LIF) at plan termination.",[11,2647,2649],{"id":2648},"fee-what-is-the-lowest-possible-yearly-administration-fee-for-the-type-of-plan-offered-by-a-large-actuarial-consulting-firm","Fee: What is the lowest possible yearly administration fee for the type of plan offered by a large actuarial consulting firm?",[2424,2651,2427],{"id":2652},"ipp-9",[341,2654,2655],{},"$800 + HST/GST per person.",[2424,2657,2434],{"id":2658},"ppp-9",[341,2660,2661],{},"$1,000 + HST/GST per person, all in.",[2424,2663,2441],{"id":2664},"advantage-9",[341,2666,2667],{},"PPP® since fiduciary oversight and pension law expertise must be purchased separately, in this narrow optic, the IPP’s posted rate can be $200 cheaper - however since more deductions can be claimed overtime under the    PPP® the total overall cost of the PPP® are significantly lower.",[11,2669,2671],{"id":2670},"fees-is-the-gsthst-pension-entity-rebate-available","Fees: Is the GST/HST pension entity rebate available?",[2424,2673,2427],{"id":2674},"ipp-10",[341,2676,2677],{},"Unknown",[2424,2679,2434],{"id":2680},"ppp-10",[341,2682,2683],{},"Yes.   Consultants with extensive GST/HST expertise can assist clients in claiming the rebate.",[2424,2685,2441],{"id":2686},"advantage-10",[341,2688,2689],{},"Available to IPPs and PPPs but INTEGRIS has the sales tax expertise in-house.",[11,2691,2693],{"id":2692},"does-the-program-auto-finance-itself-in-terms-of-costbenefits","Does the program auto-finance itself in terms of cost/benefits?",[2424,2695,2427],{"id":2696},"ipp-11",[341,2698,2699],{},"Yes",[2424,2701,2434],{"id":2702},"ppp-11",[341,2704,2699],{},[2424,2706,2441],{"id":2707},"advantage-11",[341,2709,2710],{},"N/A",[11,2712,2714],{"id":2713},"are-investment-management-fees-tax-deductible","Are investment management fees tax-deductible?",[2424,2716,2427],{"id":2717},"ipp-12",[341,2719,2699],{},[2424,2721,2434],{"id":2722},"ppp-12",[341,2724,2699],{},[2424,2726,2441],{"id":2727},"advantage-12",[341,2729,2710],{},[11,2731,2733],{"id":2732},"is-past-service-available-and-available-and-tax-deductible","Is \"past service\" available and available and tax-deductible?",[2424,2735,2427],{"id":2736},"ipp-13",[341,2738,2699],{},[2424,2740,2434],{"id":2741},"ppp-13",[341,2743,2699],{},[2424,2745,2441],{"id":2746},"advantage-13",[341,2748,2710],{},[11,2750,2752],{"id":2751},"is-terminal-funding-available-and-tax-deductible","Is \"terminal funding\" available and tax-deductible?",[2424,2754,2427],{"id":2755},"ipp-14",[341,2757,2699],{},[2424,2759,2434],{"id":2760},"ppp-14",[341,2762,2699],{},[2424,2764,2441],{"id":2765},"advantage-14",[341,2767,2710],{},[11,2769,2771],{"id":2770},"can-wealth-pass-from-one-generation-to-the-next-if-the-younger-generation-prefers-to-use-an-rrsp-when-under-the-age-of-37-upon-the-death-of-the-first-generation-of-members","Can wealth pass from one generation to the next, if the younger generation prefers to use an RRSP when under the age of 37 upon the death of the first generation of members?",[2424,2773,2427],{"id":2774},"ipp-15",[341,2776,2777],{},"No.   Being in an RRSP means that on the second person to die, there is a taxable event for the IPP assets.",[2424,2779,2434],{"id":2780},"ppp-15",[341,2782,2783],{},"Yes - the deemed disposition on the death of the first generation in retirement does not apply to the younger PPP® client who has credited service under the PPP®'s DB component.",[2424,2785,2441],{"id":2786},"advantage-15",[341,2788,2434],{},[11,2790,2792],{"id":2791},"are-there-any-internal-control-mechanisms-under-the-pension-plan-to-audit-the-work-of-the-service-provider","Are there any internal control mechanisms under the pension plan to audit the work of the service provider?",[2424,2794,2427],{"id":2795},"ipp-16",[341,2797,2583],{},[2424,2799,2434],{"id":2800},"ppp-16",[341,2802,2803],{},"Yes.   INTEGRIS provides fiduciary oversight.",[2424,2805,2441],{"id":2806},"advantage-16",[341,2808,2434],{},[11,2810,2812],{"id":2811},"extra-tax-deductible-contributions-that-ppp-can-receive-over-ipp-from-age-18-to-age-71-assumes-155k-t4-and-rate-of-return-on-assets-set-at-75","Extra tax-deductible contributions that PPP® can receive over IPP from age 18 to age 71 (assumes $155K T4 and rate of return on assets set at 7.5%)",[2424,2814,2427],{"id":2815},"ipp-17",[341,2817,2710],{},[2424,2819,2434],{"id":2820},"ppp-17",[341,2822,2823],{},"$71,000**\n**Projection courtesy of Bernard Dussault, FCIA Former Chief Actuary of the Canada Pension Plan (CPP)",[2424,2825,2441],{"id":2826},"advantage-17",[341,2828,2434],{},[11,2830,2832],{"id":2831},"additional-registered-assets-within-the-ppp-over-ipp-accumulations-when-rate-of-return-on-assets-is-set-at-75-and-t4-is","Additional registered assets within the PPP® over IPP accumulations when rate of return on assets is set at 7.5% and T4 is",[341,2834,2835],{},"$155,000 net of ALL INTEGRIS Fees",[2424,2837,2427],{"id":2838},"ipp-18",[341,2840,2710],{},[2424,2842,2434],{"id":2843},"ppp-18",[341,2845,2846],{},"$2.581 M**\n**Projection courtesy of Bernard Dussault, FCIA Former Chief Actuary of the Canada Pension Plan (CPP)",[2424,2848,2441],{"id":2849},"advantage-18",[341,2851,2434],{},[11,2853,2855],{"id":2854},"schedule-a","SCHEDULE “A”",[341,2857,2858],{},"(NON EXHAUSTIVE) DESCRIPTION OF SAMPLE FIDUCIARY OVERSIGHT SERVICES",[531,2860,2861,2864,2867,2870,2873,2876,2879],{},[19,2862,2863],{},"Assistance with marriage breakdown procedures to split pension income with ex-spouse",[19,2865,2866],{},"Surplus reversion application and communications with regulatory authorities and appeals.",[19,2868,2869],{},"Corporate law support relating to pension plan in sale of a business context – assignment of plan to new sponsor etc.",[19,2871,2872],{},"Audit of the work done by the actuarial service providers",[19,2874,2875],{},"Advocacy work with tax and pension authorities at the highest levels in Canada (Dept of Finance, Provincial governments etc.)",[19,2877,2878],{},"Tax optimization reviews (inter-generational wealth transfers, terminal funding, lifetime capital gains exemption, surplus management etc.) and coordination with tax and legal advisors on the transaction.",[19,2880,2881],{},"Setting up and management of specialized tax-exempt pension holding corporations for alternative investing",{"title":35,"searchDepth":36,"depth":37,"links":2883},[2884,2890,2895,2900,2905,2910,2915,2920,2925,2930,2935,2940,2945,2950,2955,2960,2965,2970,2975,2980],{"id":2421,"depth":37,"text":2422,"children":2885},[2886,2888,2889],{"id":2426,"depth":2887,"text":2427},3,{"id":2433,"depth":2887,"text":2434},{"id":2440,"depth":2887,"text":2441},{"id":2447,"depth":37,"text":2448,"children":2891},[2892,2893,2894],{"id":2451,"depth":2887,"text":2427},{"id":2462,"depth":2887,"text":2434},{"id":2474,"depth":2887,"text":2441},{"id":2480,"depth":37,"text":2481,"children":2896},[2897,2898,2899],{"id":2487,"depth":2887,"text":2427},{"id":2493,"depth":2887,"text":2434},{"id":2502,"depth":2887,"text":2441},{"id":2507,"depth":37,"text":2508,"children":2901},[2902,2903,2904],{"id":2511,"depth":2887,"text":2427},{"id":2517,"depth":2887,"text":2434},{"id":2523,"depth":2887,"text":2441},{"id":2529,"depth":37,"text":2530,"children":2906},[2907,2908,2909],{"id":2536,"depth":2887,"text":2427},{"id":2542,"depth":2887,"text":2434},{"id":2548,"depth":2887,"text":2441},{"id":2554,"depth":37,"text":2555,"children":2911},[2912,2913,2914],{"id":2558,"depth":2887,"text":2427},{"id":2564,"depth":2887,"text":2434},{"id":2570,"depth":2887,"text":2441},{"id":2576,"depth":37,"text":2577,"children":2916},[2917,2918,2919],{"id":2580,"depth":2887,"text":2427},{"id":2586,"depth":2887,"text":2434},{"id":2592,"depth":2887,"text":2441},{"id":2601,"depth":37,"text":2602,"children":2921},[2922,2923,2924],{"id":2605,"depth":2887,"text":2427},{"id":2611,"depth":2887,"text":2434},{"id":2617,"depth":2887,"text":2441},{"id":2623,"depth":37,"text":2624,"children":2926},[2927,2928,2929],{"id":2627,"depth":2887,"text":2427},{"id":2633,"depth":2887,"text":2434},{"id":2642,"depth":2887,"text":2441},{"id":2648,"depth":37,"text":2649,"children":2931},[2932,2933,2934],{"id":2652,"depth":2887,"text":2427},{"id":2658,"depth":2887,"text":2434},{"id":2664,"depth":2887,"text":2441},{"id":2670,"depth":37,"text":2671,"children":2936},[2937,2938,2939],{"id":2674,"depth":2887,"text":2427},{"id":2680,"depth":2887,"text":2434},{"id":2686,"depth":2887,"text":2441},{"id":2692,"depth":37,"text":2693,"children":2941},[2942,2943,2944],{"id":2696,"depth":2887,"text":2427},{"id":2702,"depth":2887,"text":2434},{"id":2707,"depth":2887,"text":2441},{"id":2713,"depth":37,"text":2714,"children":2946},[2947,2948,2949],{"id":2717,"depth":2887,"text":2427},{"id":2722,"depth":2887,"text":2434},{"id":2727,"depth":2887,"text":2441},{"id":2732,"depth":37,"text":2733,"children":2951},[2952,2953,2954],{"id":2736,"depth":2887,"text":2427},{"id":2741,"depth":2887,"text":2434},{"id":2746,"depth":2887,"text":2441},{"id":2751,"depth":37,"text":2752,"children":2956},[2957,2958,2959],{"id":2755,"depth":2887,"text":2427},{"id":2760,"depth":2887,"text":2434},{"id":2765,"depth":2887,"text":2441},{"id":2770,"depth":37,"text":2771,"children":2961},[2962,2963,2964],{"id":2774,"depth":2887,"text":2427},{"id":2780,"depth":2887,"text":2434},{"id":2786,"depth":2887,"text":2441},{"id":2791,"depth":37,"text":2792,"children":2966},[2967,2968,2969],{"id":2795,"depth":2887,"text":2427},{"id":2800,"depth":2887,"text":2434},{"id":2806,"depth":2887,"text":2441},{"id":2811,"depth":37,"text":2812,"children":2971},[2972,2973,2974],{"id":2815,"depth":2887,"text":2427},{"id":2820,"depth":2887,"text":2434},{"id":2826,"depth":2887,"text":2441},{"id":2831,"depth":37,"text":2832,"children":2976},[2977,2978,2979],{"id":2838,"depth":2887,"text":2427},{"id":2843,"depth":2887,"text":2434},{"id":2849,"depth":2887,"text":2441},{"id":2854,"depth":37,"text":2855},{"uid":2982,"type":43,"date":2983,"author":45,"cover_image":2984,"cover_image_credit":45,"hide_call_to_action_button":49,"cover_image_css_classes":45,"meta_title":2401,"meta_description":2406,"original_posted_date":45,"tags":2985,"category":48},"integris-ppp-vs-ipp","2020-07-25","/uploads/integris-ppp-vs-ipp-cover-image.jpg",[48],"/blog/integris-ppp-vs-ipp",{"title":2401,"description":2406},"blog/integris-ppp-vs-ipp","cf_yLox2X1KeBTNyDeR9kjPVAZaCyFC4usosaiSj46A",{"id":2991,"title":2992,"body":2993,"description":35,"extension":40,"meta":2997,"navigation":49,"path":3003,"seo":3004,"stem":3005,"__hash__":3006},"blog/blog/integris-speaks-with-folks-at-capcorp.md","CPA Firm Houle & Associates discusses the tax advantages of Personal Pension Plans",{"type":8,"value":2994,"toc":2995},[],{"title":35,"searchDepth":36,"depth":37,"links":2996},[],{"uid":2998,"type":43,"date":2999,"link":3000,"author":45,"cover_image":3001,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3002,"category":69},"integris-speaks-with-folks-at-capcorp","2021-05-19","https://youtu.be/zijt9e2-Mi8","/uploads/integris-speaks-with-folks-at-capcorp-cover-image.png",[69],"/blog/integris-speaks-with-folks-at-capcorp",{"title":2992,"description":35},"blog/integris-speaks-with-folks-at-capcorp","kgGv4rznkXwjI_uPP2ewOgn8myNeSjnpXvp-Hullb10",{"id":3008,"title":3009,"body":3010,"description":35,"extension":40,"meta":3014,"navigation":49,"path":3019,"seo":3020,"stem":3021,"__hash__":3022},"blog/blog/intergenerational-wealth-transfer.md","Intergenerational Wealth Transfer",{"type":8,"value":3011,"toc":3012},[],{"title":35,"searchDepth":36,"depth":37,"links":3013},[],{"uid":3015,"type":43,"date":1969,"link":3016,"author":45,"cover_image":3017,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3018},"intergenerational-wealth-transfer","https://youtu.be/Li3Iy0v2Dgs","/uploads/intergenerational-wealth-transfer-cover-image.jpg",[658,1973],"/blog/intergenerational-wealth-transfer",{"title":3009,"description":35},"blog/intergenerational-wealth-transfer","9r7zpzZ5CONPlAb1NMHPD_OMBVro-JwirgFTxgkDF5U",{"id":3024,"title":3025,"body":3026,"description":35,"extension":40,"meta":3030,"navigation":49,"path":3035,"seo":3036,"stem":3037,"__hash__":3038},"blog/blog/intergenerational-wealth-transfer-via-pensions-pdf.md","Intergenerational Wealth Transfer via Pensions [pdf]",{"type":8,"value":3027,"toc":3028},[],{"title":35,"searchDepth":36,"depth":37,"links":3029},[],{"uid":3031,"type":43,"date":1056,"link":3032,"author":45,"cover_image":3033,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3034},"intergenerational-wealth-transfer-via-pensions-pdf","https://www.dropbox.com/s/zfdytdkxaen8bg0/CPPP%20National%20Webinar%20%28ver%204%29.pdf?dl=0","/uploads/intergenerational-wealth-transfer-via-pensions-pdf-cover-image.jpg",[658],"/blog/intergenerational-wealth-transfer-via-pensions-pdf",{"title":3025,"description":35},"blog/intergenerational-wealth-transfer-via-pensions-pdf","NAZxj26dfUiSs9wReHNjfBPcZWMm4DFXla0Dz_Zdj3E",{"id":3040,"title":3041,"body":3042,"description":3046,"extension":40,"meta":3088,"navigation":49,"path":3094,"seo":3095,"stem":3096,"__hash__":3097},"blog/blog/investment-partners-fund-an-alternative-approach-to.md","Investment Partners Fund: An alternative approach to managing equity risk",{"type":8,"value":3043,"toc":3086},[3044,3047,3050,3053,3056,3059,3062,3065,3068,3071,3074,3077,3080,3083],[341,3045,3046],{},"Every so often, INTEGRIS takes time to shine the spotlight on companies and partners that provide specific insights or have unique solutions that may be of application to our clientele or the broader financial community.",[341,3048,3049],{},"This week we are pleased to focus on alternative ways to manage equity risk in a turbulent market.  The piece comes from Investment Partners Fund Inc. based in our Nation’s Capital.",[341,3051,3052],{},"By many measures, equity markets are presently quite extended to the upside. As was illustrated a year ago with the onset of the pandemic, declines from such extended conditions can be swift and vertiginous.  Consequently, equity investors' thoughts might turn to ways to manage portfolio risks whilst continuing to participate in the market. Regrettably, many risk mitigation strategies are less than compelling under present circumstances, leaving investors challenged to find conservative approaches to addressing equity risk. The options-based approach of the Investment Partners Fund has weathered recent downdrafts with an active, limited risk derivatives strategy to manage the systematic exposures of its portfolio of listed equities. ",[341,3054,3055],{},"While market timing is ill-advised, there is no question that modulating one’s risk appetite to prevailing conditions is prudent. When the weather threatens to turn cold on a planned outing, you needn’t cancel your plans, but packing a hat, mitts and an extra sweater is typically a good idea. Equity market conditions presently demand that sort of extra prudence. Valuations, particularly in the U.S., are now at extremes that presage weaker long-term returns. Meanwhile, financial conditions have been extraordinarily accommodative and investor sentiment has been euphoric. With the S&P 500 about 16% above where it was in February 2020 (pre-Covid), the market has already discounted a return to a vibrant economy with robust corporate profits, even with unemployment levels extremely elevated and untold damage to many businesses. While the market has clearly taken heart from the abundant monetary and fiscal stimulus and evidence that vaccination programs are soon to make great strides, the market’s ascent suggests much of this good news might now be in the price.  Is there much more appreciation that can reasonably be expected? To use another metaphor, unless you plan to pull off the expressway, we suggest that prudence would dictate that, at a minimum, you should snug up your seatbelt.",[341,3057,3058],{},"There are currently few attractive risk management solutions for today’s environment of elevated equity risk. Indeed, investors face a menu of imperfect options. To begin, the balanced portfolio, which for decades has done yeoman’s work to diversify investor exposures, faces an existential crisis in light of high fixed income valuations. Whereas a bond allocation has heretofore offered investors a form of positive-yielding equity put option, whereby they earned a decent current coupon and then enjoyed capital gains as well when fixed income rallied during equity declines, those appealing characteristics have faded as fixed income yields have melted and the scope for price appreciation has withered along with it. The arithmetic of bonds is unforgiving and when bond prices are elevated and current yields low, its diversifying benefits are dramatically reduced.",[341,3060,3061],{},"Other equity risk mitigation strategies are also challenged. Long/short equity is an appealing approach, that of moderating market exposure by selling weak, over-valued companies short. Regrettably, there are very few managers who have the talent and experience to do it well. Problematically, if not invested with one of these rare superstars, the results can be catastrophic, as the meteoric January ascent of Gamestop and other troubled companies so starkly illustrated. Investing in low volatility funds is another alternative and, while this can work well, we were reminded a year ago that assets can behave in odd ways during extreme moves. Low vol funds can often navigate stormy weather better than most, but they are still fully exposed equity instruments that are vulnerable when correlations converge to 1, as they so often do during crises.  Ultimately, the scope for true risk reduction is limited when one is still long equity beta, regardless of its form. ",[341,3063,3064],{},"At the Investment Partners Fund, we seek to reduce systematic risk – which is to say the risk of general market declines - using an approach that is quite different from those mentioned above.  While the core of our longer-term efforts at creating wealth is reasonably conventional – building a portfolio of equities chosen for their promise of compelling long-term returns – our risk management approach is slightly more unique. To attenuate the vulnerability of our equity portfolio to extreme “left-tail” events, we manage a portfolio of limited risk index options. This actively managed portfolio exists to provide asymmetric and convex results when equity market ructions precipitate drops in the headline indices. By constantly monitoring our exposure to systematic risk, and by constantly assessing the condition of the market, we modulate and adjust the scope and intensity of our options hedges to optimize our protection subject to considerations of expense and our assessment of risk. While this protection is not without cost, this cost often seems trivial following a disruptive market event. Rare is the vehicle owner who, immediately following a collision, complains about the cost of their policy.",[341,3066,3067],{},"This approach has met with success during the two most significant recent declines, one in the fourth quarter on 2018 and the other, of course, in February and March of last year:",[341,3069,3070],{},"Overall, since January of 2018, our approach has been competitive with the S&P 500 and S&P/TSX Composite:",[341,3072,3073],{},"And what are the risks of this approach? Ultimately, the most obvious risk is that of a prolonged, low volatility bull market, which would cause the value of hedges to continuously erode and create a drag on overall returns. While such an outcome can be frustrating, it should best be thought of like the sunk cost of home or car insurance: we renew it annually and are, somewhat perversely, thankful when it expires unused. Another risk to our approach would be an environment where our systematic hedges against overall market risk prove ineffective against an array of idiosyncratic, stock-specific problems that impact our long holdings, a risk which is no different than that confronting any portfolio of equities.",[341,3075,3076],{},"                At the IP Fund, we fully accept that we have no expertise in timing the equity market and we do not attempt to do that. Nonetheless, what we can do is examine the mosaic of factors that together create market conditions and modulate our risk exposures in accordance with those conditions. In so doing, we attempt to manage systematic risk and thus limit catastrophic drawdowns. We believe that an options-based risk management approach has many merits, especially in light of the limitations currently impacting other strategies.",[341,3078,3079],{},"Disclaimer",[341,3081,3082],{},"For Accredited Investors Only.",[341,3084,3085],{},"This article and its content are: (i) for information purposes only; (ii) not tailored to the needs or circumstances of any person; (iii) to the extent applicable to a particular security, only a general discussion of the security, and (iv) not to be used or construed as an offer to sell, a solicitation of an offer to buy, or an endorsement, recommendation, or sponsorship of any entity or security by Investment Partners Fund Inc. You acknowledge and agree that any request for information by you is unsolicited and shall neither constitute nor be construed as investment advice by Investment Partners Fund Inc. You should apply your own judgment in making any use of any content, including, without limitation, the use of any information contained therein as the basis for any conclusions. You bear responsibility for your own investment research and decisions. We make no representations regarding the suitability, profitability, or potential value of any particular investment or security referred to in this article.  ",{"title":35,"searchDepth":36,"depth":37,"links":3087},[],{"uid":3089,"type":43,"date":3090,"author":45,"cover_image":3091,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":3041,"meta_description":3092,"original_posted_date":45,"tags":3093,"category":757},"investment-partners-fund-an-alternative-approach-to","2021-03-14","/uploads/investment-partners-fund-an-alternative-approach-to-cover-image.jpg","By many measures, equity markets are presently quite extended to the upside. As was illustrated a year ago with the onset of the pandemic, declines from such extended conditions can be swift and vertiginous.",[757],"/blog/investment-partners-fund-an-alternative-approach-to",{"title":3041,"description":3046},"blog/investment-partners-fund-an-alternative-approach-to","hU8xGlBdam6ET5StQDag1kvq6VjvFMa16KbRPfW44eo",{"id":3099,"title":3100,"body":3101,"description":35,"extension":40,"meta":3105,"navigation":49,"path":3110,"seo":3111,"stem":3112,"__hash__":3113},"blog/blog/is-the-financial-media-failing-to-inform-business-owners-about-the-ppp-solution.md","Is the financial media failing to inform business owners about the PPP solution?",{"type":8,"value":3102,"toc":3103},[],{"title":35,"searchDepth":36,"depth":37,"links":3104},[],{"uid":3106,"type":43,"date":3107,"link":3108,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3109,"category":69},"is-the-financial-media-failing-to-inform-business-owners-about-the-ppp-solution","2018-01-15","https://integris-website.cdn.prismic.io/integris-website/e3aa1f8f-4210-4ea6-861d-f408c8a29349_Krystal+Nation+01-11-18+Seg+4+Eric+Cheverette+%26+Adrian+Reynolds.mp3",[69],"/blog/is-the-financial-media-failing-to-inform-business-owners-about-the-ppp-solution",{"title":3100,"description":35},"blog/is-the-financial-media-failing-to-inform-business-owners-about-the-ppp-solution","B6agkRBmBRevlxyqz54zLecQEs-yBXiT1FatePxZifw",{"id":3115,"title":3116,"body":3117,"description":35,"extension":40,"meta":3121,"navigation":49,"path":3127,"seo":3128,"stem":3129,"__hash__":3130},"blog/blog/john-mill-author-of-hire-your-buyer-comments-on-business-succession-planning-issues-and-solutions-in-this-insights-publication..md","John Mill, author of Hire Your Buyer, comments on business succession planning issues and solutions in this insights publication",{"type":8,"value":3118,"toc":3119},[],{"title":35,"searchDepth":36,"depth":37,"links":3120},[],{"uid":3122,"type":43,"date":3123,"link":3124,"author":3125,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3126,"category":69},"john-mill-author-of-hire-your-buyer-comments-on-business-succession-planning-issues-and-solutions-in-this-insights-publication.","2018-03-05","https://integris-website.cdn.prismic.io/integris-website/c5d0acb3-1dc7-48ea-8ca1-7172d5ac45d2_Insights-MIll-Succession-Planning-The-Problem-is-Growing-and-so-is-the-Solution-.pdf","INTEGRIS Pension Management Inc.",[69],"/blog/john-mill-author-of-hire-your-buyer-comments-on-business-succession-planning-issues-and-solutions-in-this-insights-publication.",{"title":3116,"description":35},"blog/john-mill-author-of-hire-your-buyer-comments-on-business-succession-planning-issues-and-solutions-in-this-insights-publication.","aHhUbsOLxK3lfO3feuRzSHNJ6ZKyP_EoS9njSxXsXZ8",{"id":3132,"title":3133,"body":3134,"description":35,"extension":40,"meta":3138,"navigation":49,"path":3143,"seo":3144,"stem":3145,"__hash__":3146},"blog/blog/jon-chevreau-and-jp-laporte-discussing-federal-budget-2017-on-sirius-xm-radio-on-march-31-2017..md","Jon Chevreau and JP Laporte discussing federal budget 2017 on Sirius XM radio on March 31, 2017.",{"type":8,"value":3135,"toc":3136},[],{"title":35,"searchDepth":36,"depth":37,"links":3137},[],{"uid":3139,"type":43,"date":3140,"link":3141,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3142,"category":69},"jon-chevreau-and-jp-laporte-discussing-federal-budget-2017-on-sirius-xm-radio-on-march-31-2017.","2017-04-05","http://www.integris-mgt.com/publish/Krystal_Nation_SEG_4_JP_and_Jon_04-02-17.mp3",[69],"/blog/jon-chevreau-and-jp-laporte-discussing-federal-budget-2017-on-sirius-xm-radio-on-march-31-2017.",{"title":3133,"description":35},"blog/jon-chevreau-and-jp-laporte-discussing-federal-budget-2017-on-sirius-xm-radio-on-march-31-2017.","K9vwm1w_RuEWkYn6bYmpmqOw3G-RHFJfILADJR_e9iw",{"id":3148,"title":3149,"body":3150,"description":35,"extension":40,"meta":3154,"navigation":49,"path":3158,"seo":3159,"stem":3160,"__hash__":3161},"blog/blog/jonathan-chevreau-features-integris-ceo-on-voluntary.md","Jonathan Chevreau features Integris CEO on voluntary CPP",{"type":8,"value":3151,"toc":3152},[],{"title":35,"searchDepth":36,"depth":37,"links":3153},[],{"uid":3155,"type":43,"date":1321,"link":3156,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3157,"category":69},"jonathan-chevreau-features-integris-ceo-on-voluntary","https://findependencehub.com/voluntary-cpp-is-an-old-idea-has-its-time-finally-come/#more-5188",[69],"/blog/jonathan-chevreau-features-integris-ceo-on-voluntary",{"title":3149,"description":35},"blog/jonathan-chevreau-features-integris-ceo-on-voluntary","IWtZOuVxUdehRWHPXklYQrt5JxYLVlg-DEuelG8_YX4",{"id":3163,"title":3164,"body":3165,"description":35,"extension":40,"meta":3169,"navigation":49,"path":3174,"seo":3175,"stem":3176,"__hash__":3177},"blog/blog/jonathan-chevreaus-financial-independence-hub-on-integris-ceos-view-for-the-federal-governments-voluntary-cpp-initiative.md","Jonathan Chevreau’s 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Very simply, this means that different assets move in different directions in reaction to changes in the investment universe, so that one zigs while the other zags, to put it in its simplest terms.",[341,3479,3480],{},"The traditional formula for constructing a balanced portfolio that would be adopted by a pension fund, whether institutional or personal, was to hold various percentages of cash, fixed income, and stocks (equities). The different asset classes behaved differently, with cash having zero volatility but usually generated low returns, bonds offered a reasonable income but were affected by changes in interest rates and stocks were the most volatile but gave exposure to the growth in the real economy. By combining these different asset classes, investors could come up with a portfolio that included the desirable features of each category while offsetting some of the volatility that accompanied them, as they were not correlated with each other.",[341,3482,3483],{},"In the low-interest-rate environment that pension fund trustees and other investors face today, many of the advantages of this approach have been eroded. Cash now offers minuscule returns, and the yield on investment-grade bonds, particularly those issued by the governments of developed economies, has fallen to 60-year lows, offering the very little yield to offset any increase in interest rates, such as occurred in the first half of 2013. Meanwhile, the volatility of equities has increased dramatically in the last decade, driven by the dominance of computer-generated trading systems, and stocks are not only more volatile but also much more correlated with each other. The volatility of the developed markets, as measured by the standard deviation of returns for the MSCI World Index, has increased by almost 50 percent over the last two decades.",[341,3485,3486],{},"Fortunately for individual investors looking to preserve the real value of their pensions through an INTEGRIS Personal Pension Plan (PPP) or a traditional Individual Pension Plan (IPP), the structure of this pension for incorporated individuals is extremely flexible and allows investors to actually use the increased volatility of markets to their advantage. PPPs and IPPs assume a 7.5 percent annual return and allow those making contributions to make additional tax-deductible contributions when they return from their underlying investment does not reach 7.5%.",[341,3488,3489],{},"Thus additional contributions can be made after markets have fallen, allowing the contributor to buy at lower prices or higher yields than were available earlier, permitting them to follow the most pertinent piece of stock market advice- buy low, (and if so desired, sell high). This ability to hit the reset button as far as making contributions to one's pension plan permits investors to turn the increased volatility of recent years to their advantage, in a way that is not permitted or possible with the more widely known vehicles such as RRSPs or group RRSPs. In an RRSP, once a person has reached the maximum contribution for the year, no further contributions can be made without penalties. PPPs (but not IPPs) also allow the contributor to decide whether they wish this tax year's contributions to be made on a defined benefit or defined contribution basis, allowing them to manage their pension contributions to take account of their corporation's cash flow situation – and to better take advantage of broad market trends in the price of stocks and bonds.",[341,3491,3492],{},"One further benefit of using a PPP or IPP for one's pension is that fees are paid from pre-tax income so that the net after-tax cost of the fees is substantially lower than if using the conventional route of an RRSP. In many individual RRSPs, the fees are bundled within a management expense ratio that is deducted on a regular basis from the RRSP assets. While RRSP holders are often unaware of this leakage, since only the net asset value of the RRSP asset is showcased, it gradually erodes the growth potential of the fund. The combination of the lower after-tax cost and the ability to make extra contributions if the return from the underlying investments fails to meet the 7.5 percent hurdle makes PPPs and IPPs an unbeatable choice for individuals whose tax rates are above 35 percent.",[341,3494,3495],{},"Furthermore, PPPs can hold a much wider range of assets within its structure. The permitted list of assets includes not merely cash, bonds, and equities, or mutual funds investing in these asset classes, but also non-correlated assets such as private equity, physical real estates such as the office building in which the corporation is based, mortgages, franchises, and numerous other unlisted investments. As opposed to handing over the investment of one's pension sums of money to a professional asset manager, contributors to PPPs can select individual assets such as buildings, franchises, or mortgages of which they have personal knowledge, reducing what is known as “agency risk”, where the manager is investing other people’s money and may not always exercise as much care or diligence as would be the case if there was a personal involvement.",[341,3497,3498],{},"In summary, today’s challenging investment environment can be turned into a competitive advantage, from a savings point of view, thanks to the specific tax structure of the personal pension plan.",{"title":35,"searchDepth":36,"depth":37,"links":3500},[],{"uid":3502,"type":43,"date":3503,"author":622,"cover_image":3504,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3505,"category":48},"mitigating-market-volatility-using-integris","2013-09-24","/uploads/mitigating-market-volatility-using-integris-cover-image.jpg",[48],"/blog/mitigating-market-volatility-using-integris",{"title":3472,"description":3477},"blog/mitigating-market-volatility-using-integris","nm5j6p4i3fXCH1dwk0KI9y_sH8XBuzTwegPP2aUKTAk",{"id":3511,"title":3512,"body":3513,"description":35,"extension":40,"meta":3517,"navigation":49,"path":3522,"seo":3523,"stem":3524,"__hash__":3525},"blog/blog/morneau-announcement-and-integris-commentary-on-bnn.md","Morneau announcement and Integris commentary on BNN",{"type":8,"value":3514,"toc":3515},[],{"title":35,"searchDepth":36,"depth":37,"links":3516},[],{"uid":3518,"type":43,"date":3519,"link":3520,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3521,"category":69},"morneau-announcement-and-integris-commentary-on-bnn","2017-10-17","https://www.bnnbloomberg.ca/video/how-to-get-a-competitive-pension-plan-as-a-small-business-owner~1233314",[69],"/blog/morneau-announcement-and-integris-commentary-on-bnn",{"title":3512,"description":35},"blog/morneau-announcement-and-integris-commentary-on-bnn","hctHEvzedMi_3XFIlpkHT9_zNoOWhb_Hn771sk3tNBc",{"id":3527,"title":3528,"body":3529,"description":35,"extension":40,"meta":3533,"navigation":49,"path":3538,"seo":3539,"stem":3540,"__hash__":3541},"blog/blog/mp-group-is-an-accounting-firm-specializing-in-small-business-issues-and-has-familiarity-with-personal-pension-plans-see-brochure-for-download.md","MP Group is an accounting firm specializing in small business issues and has familiarity with personal pension plans: see brochure for download",{"type":8,"value":3530,"toc":3531},[],{"title":35,"searchDepth":36,"depth":37,"links":3532},[],{"uid":3534,"type":43,"date":3535,"link":3536,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3537,"category":69},"mp-group-is-an-accounting-firm-specializing-in-small-business-issues-and-has-familiarity-with-personal-pension-plans-see-brochure-for-download","2016-08-26","https://integris-website.cdn.prismic.io/integris-website/2243097d-95e2-433f-aa38-cd9a14b72b0a_MP_Group_Fact_Sheet_PPP.pdf",[69],"/blog/mp-group-is-an-accounting-firm-specializing-in-small-business-issues-and-has-familiarity-with-personal-pension-plans-see-brochure-for-download",{"title":3528,"description":35},"blog/mp-group-is-an-accounting-firm-specializing-in-small-business-issues-and-has-familiarity-with-personal-pension-plans-see-brochure-for-download","gITL9SloF9Ixi-WykO9oTgCg3-FMaUlAJxAfwlc3uEA",{"id":3543,"title":3544,"body":3545,"description":35,"extension":40,"meta":3549,"navigation":49,"path":3554,"seo":3555,"stem":3556,"__hash__":3557},"blog/blog/nathalie-racine-of-rbc-dominion-securities-comments-on-the-enhanced-ipp-in-wealth-professionals..md","Nathalie Racine of RBC Dominion Securities comments on the enhanced IPP in wealth professionals",{"type":8,"value":3546,"toc":3547},[],{"title":35,"searchDepth":36,"depth":37,"links":3548},[],{"uid":3550,"type":43,"date":3551,"link":3552,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3553,"category":69},"nathalie-racine-of-rbc-dominion-securities-comments-on-the-enhanced-ipp-in-wealth-professionals.","2016-11-04","https://integris-website.cdn.prismic.io/integris-website/596b3419-0503-4e7e-a001-c3cb474a513a_Wealth_Advisor_Racine_Team_Article_Nov_04_2016.pdf",[69],"/blog/nathalie-racine-of-rbc-dominion-securities-comments-on-the-enhanced-ipp-in-wealth-professionals.",{"title":3544,"description":35},"blog/nathalie-racine-of-rbc-dominion-securities-comments-on-the-enhanced-ipp-in-wealth-professionals.","VFJDPsF86mPgnUUFGHKPLOfXsR7n41IOC0j4QOCuMX4",{"id":3559,"title":3560,"body":3561,"description":35,"extension":40,"meta":3565,"navigation":49,"path":3570,"seo":3571,"stem":3572,"__hash__":3573},"blog/blog/new-brunswick-based-assumption-life-launches-the-assumption-life-ppp.-see-press-release-from-january-31-2019.md","New Brunswick based Assumption Life launches the Assumption Life PPP®. See press release from January 31, 2019",{"type":8,"value":3562,"toc":3563},[],{"title":35,"searchDepth":36,"depth":37,"links":3564},[],{"uid":3566,"type":43,"date":3567,"link":3568,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3569,"category":69},"new-brunswick-based-assumption-life-launches-the-assumption-life-ppp.-see-press-release-from-january-31-2019","2019-02-01","https://mailchi.mp/assumption/ppppressrelease?e=a80f52bd78",[69],"/blog/new-brunswick-based-assumption-life-launches-the-assumption-life-ppp.-see-press-release-from-january-31-2019",{"title":3560,"description":35},"blog/new-brunswick-based-assumption-life-launches-the-assumption-life-ppp.-see-press-release-from-january-31-2019","upV8njhJMzENd7wEGtNnkTfnuu8UtqtxmzqEmE6WYbc",{"id":3575,"title":3576,"body":3577,"description":3581,"extension":40,"meta":3593,"navigation":49,"path":3598,"seo":3599,"stem":3600,"__hash__":3601},"blog/blog/new-federal-investment-rules-for-pension-plans.md","New Federal Investment Rules for Pension Plans",{"type":8,"value":3578,"toc":3591},[3579,3582,3585,3588],[341,3580,3581],{},"The long-awaited revisions to the federal investment rules that apply to most registered pension plans in Canada, including Personal Pension Plans, are finally out.",[341,3583,3584],{},"?The 10% book value test found in the concentration limits portion of the rules is now going to be a 10% of market value test, but need only be complied with at the time of the acquisition transaction.",[341,3586,3587],{},"The 'nominal and immaterial' exception to the related party transaction prohibition which was slated for elimination was kept.",[341,3589,3590],{},"Overall, comments made by the pension industry seem to have influenced the final rules released, which are to come into effect on July 1, 2016.",{"title":35,"searchDepth":36,"depth":37,"links":3592},[],{"uid":3594,"type":43,"date":3595,"author":45,"cover_image":3596,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3597,"category":69},"new-federal-investment-rules-for-pension-plans","2014-09-21","/uploads/new-federal-investment-rules-for-pension-plans-cover-image.jpg",[69],"/blog/new-federal-investment-rules-for-pension-plans",{"title":3576,"description":3581},"blog/new-federal-investment-rules-for-pension-plans","MsxnDwLgu7xfJIqL0i9eTgKHJDe4jrHe6MbY8TAvv3c",{"id":3603,"title":3604,"body":3605,"description":3609,"extension":40,"meta":3670,"navigation":49,"path":3675,"seo":3676,"stem":3677,"__hash__":3678},"blog/blog/one-out-of-two-taxpayers-has-money-at-the-cra-surprised.md","One out of two taxpayers has money at the CRA: Surprised? We were.",{"type":8,"value":3606,"toc":3668},[3607,3610,3613,3616,3623,3626,3629,3632,3635,3638,3641,3644,3647,3650,3653,3656,3659,3662,3665],[341,3608,3609],{},"Now that Canadians are in the middle of personal tax season for 2017, we wanted to provide some new information that we hope will be of interest to taxpayers from coast to coast.",[341,3611,3612],{},"INTEGRIS Pension Management Corp. has developed many business relationships with firms in the Canadian financial services industry over the past 5 years. Some are large investment management firms, insurance companies or accounting firms. Sometimes we come across niche service providers that fill a particular need for our clients outside of our core area of expertise.",[341,3614,3615],{},"We are pleased to reproduce an article by Stan Samole, CEO of Family Tax Recovery, a firm that specializes in personalized tax reviews to assess whether an individual taxpayer might have overpaid taxes in the previous 10 years.",[341,3617,3618,3619],{},"Readers of the guest article below are encouraged to ask questions by emailing them to a dedicated email address: ",[354,3620,3622],{"href":3621},"mailto:familytaxrecovery@integris-mgt.com","familytaxrecovery@integris-mgt.com",[341,3624,3625],{},"Alternatively, a link below provides access to a landing page for those wishing to learn more about this innovative service.",[341,3627,3628],{},"The views expressed by the guest writer below are those of the author and do not necessarily represent those of INTEGRIS Pension Management Corp.",[341,3630,3631],{},"ONE OUT OF TWO TAXPAYERS HAS MONEY AT THE CRA: SURPRISED? WE WERE.By Stan Samole, CEO, Family Tax Recovery - an INTEGRIS strategic partner.",[341,3633,3634],{},"In the past 3 years Family Tax Recovery have conducted over 15,000 personal 10-year tax reviews that have produced over $10 million in refunds triggered by amended tax returns filed with the Canada Revenue Agency.",[341,3636,3637],{},"Fact: The CRA allows taxpayers to amend their taxes for the previous 10 years. Many taxpayers and their accountants either are unaware of this policy or fail to consider this internal audit tool to recoup overpaid taxes.",[341,3639,3640],{},"Fact: There's between $30 to 50 billion at the CRA that currently legally belong to taxpayers but that hasn't been claimed by them. That's not unreasonable considering the 2018 CRA budget includes $300 billion of revenue - with 75% of every tax dollar coming from personal taxpayers.",[341,3642,3643],{},"What are some of the credits that taxpayers (especially those who don't rely on experts to prepare their returns) often miss? Typical sources of refunds include eligible dependent, working income tax benefit, northern resident deduction, donation allocations, caregiver deduction, child amount, child tax benefit, clergy residence deduction, medical expenses, spousal amount, family tax cut, exempt income, tuition amounts, etc. Plus errors and omissions correction such as incorrect tax deducted from source, incorrect amounts in RRSP, HST, Prov. tax and benefit programs, capital gain/loss misapplications and miscalculations, etc.",[341,3645,3646],{},"Why are 10 year tax reviews almost unheard of? The simple answer is unless one is wealthy a personal tax review capable of uncovering unclaimed credits is out of reach. For average working class families paying thousands in professional fees is a non-starter if there is no guarantee of a refund after the revised assessment is filed with CRA.",[341,3648,3649],{},"The Family Tax Recovery Solution: An assessment on a contingency basis similar to those sought by companies (HST, Custom Duties, Research and Development costs, Disability credits, etc.). At Family Tax Recovery we only conduct 10-year personal tax reviews on a contingency basis. Contingency means that if CRA does not issue a refund, there is no fee payable for the personal tax review.",[341,3651,3652],{},"Our research indicates that approximately 60% of working families and 70% of wealthier families are entitled to a CRA refund. Refunds range from a few hundred to many thousands of dollars. This group of middle class and wealthier taxpayers make up 70 to 80%+ of the available refund pool.",[341,3654,3655],{},"There are 30 to 50% of low income families that are entitled to a refund. We have been endorsed by the Anglican Church for our work with low-income families. Government Agencies like Ministry of Family Services and Rural Community Development, Community Services also refer clients to us. We've reached out to the leaders of all 3 Aboriginal Peoples', the Minister of Finance and the Minister of Revenue to put in place a national program that ensures low income families have access to this important resource. Low income families have $3 to $5 billion at the CRA and recovery could make a significant positive impact on many of their lives.",[341,3657,3658],{},"For those fearful that undergoing a review will trigger a tax audit, Family Tax Recovery has yet to trigger one. The reason audits aren't triggered by our process is that filing an amendment is not like filing a tax return. The taxes were already previously filed and may or may not have been audited. We just file an amendment relating to those previous years. The CRA reviews the amendment proposed and either accepts it based on their records or refuses it, thereby completing the process. Fortunately, 99% of the amendments we submit get approved by CRA. Very little discretion or judgment goes into determining whether one forgot to claim a credit in a year or not.",[341,3660,3661],{},"Copies of your previous years' taxes are not required for a personal tax review. All the work is done by Tax Specialists on the CRA web portal where your tax records are kept. You can also have online access to review your tax filings, documentation, etc. Signing up for direct deposit can also speed up the recovery process.",[341,3663,3664],{},"A personal tax review recovers funds that were lost forever. It's everyone's job to pay the appropriate taxes we owe. But it's also everyone's job to seek every opportunity within the confines of the Income Tax Act that Parliament adopted to help Canadians. Considering the funds recovered from the CRA legally belong to the taxpayers who failed to claim certain credits or calculate amounts on returns properly, those who are curious about recovering their own money should consider a personal tax review. Finally, when CRA refunds these tax dollars, they do not trigger new taxes since they are not income, but 'over-collected' taxes.",[341,3666,3667],{},"Stan Samole is a six time recipient of the Profit Magazine Award for Canada's fastest growing companies and has received the Consumers Digest Best Buy Award, The Source Innovation Award, a Feature story in the Financial Times and a dedicated chapter in the book \"Secrets of Success from Canada's Fastest Growing Companies\" by Rick Spence.",{"title":35,"searchDepth":36,"depth":37,"links":3669},[],{"uid":3671,"type":43,"date":3672,"author":45,"cover_image":3673,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3674,"category":757},"one-out-of-two-taxpayers-has-money-at-the-cra-surprised","2018-03-19","/uploads/one-out-of-two-taxpayers-has-money-at-the-cra-surprised-cover-image.jpg",[757],"/blog/one-out-of-two-taxpayers-has-money-at-the-cra-surprised",{"title":3604,"description":3609},"blog/one-out-of-two-taxpayers-has-money-at-the-cra-surprised","so-oBLzbGKpUOl6BC8oATfH4KfDbbDsqh0ZcLFUjVhA",{"id":3680,"title":3681,"body":3682,"description":35,"extension":40,"meta":3686,"navigation":49,"path":3692,"seo":3693,"stem":3694,"__hash__":3695},"blog/blog/pension-expert-sean-cooper-on-ppps.md","Pension expert Sean Cooper on PPPs",{"type":8,"value":3683,"toc":3684},[],{"title":35,"searchDepth":36,"depth":37,"links":3685},[],{"uid":3687,"type":43,"date":3688,"link":3689,"author":3690,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3691,"category":69},"pension-expert-sean-cooper-on-ppps","2015-02-24","https://retirehappy.ca/personal-pension-plan-ppp-small-business-owners/","Sean Cooper - Retire Happy Blog",[69],"/blog/pension-expert-sean-cooper-on-ppps",{"title":3681,"description":35},"blog/pension-expert-sean-cooper-on-ppps","TkHFY4RJkQmWDX7F7uJj9oW3ffp41GOV1GVprUuYUGs",{"id":3697,"title":3698,"body":3699,"description":3703,"extension":40,"meta":3730,"navigation":49,"path":3735,"seo":3736,"stem":3737,"__hash__":3738},"blog/blog/pension-innovation--how-can-entrepreneurs-level-the.md","Pension Innovation:  How Can Entrepreneurs Level the Playing Field With Their Counterparts in the Public Sector?",{"type":8,"value":3700,"toc":3728},[3701,3704,3707,3710,3713,3716,3719,3722,3725],[341,3702,3703],{},"The Great Recession of 2008 had many consequences, but in the world of pensions, it truly highlighted the chasm separating the private sector from public sector retirement plans. The \"Great Divide\" boils down to this: civil servants have back-stopped, defined benefit plans that will provide a comfortable level of pension benefits in retirement, whereas the taxpayers responsible to fund such great plans are largely relegated to RRSPs with much lower contribution limits and a limited ability to weather financially volatile markets.",[341,3705,3706],{},"For most, this state of affairs is immutable and lamentable. For those who have made pension innovation their passion or profession, there are many solutions. The difficulty resides in making them accessible (and intelligible) to the majority, who happens to be \"the market\".",[341,3708,3709],{},"What then are some of these solutions that put the private and public sectors on an even keel?",[341,3711,3712],{},"Borrowed from the world of accounting, one strategy advocated over the past few years is to use the corporation as a pension fund and to only take in ‘income’ and pay tax thereupon, when a dividend is declared. This combined with different classes of shares given to children and the use of corporate-class securities offers a great way to defer tax and to control the amount of tax paid in retirement.",[341,3714,3715],{},"Borrowed from the world of insurance, one poorly-known solution is the use of an insured retirement plan (\"IRP\"). Here, one variant is to have the corporation take out life insurance via a universal life policy on the life of the plan member, with the corporation itself named as the death beneficiary. Additional premiums can be made to this policy (that exceed the cost of insurance for the death benefit) and invested in an account within the policy that is not subjected to Part I tax (only a small insurance tax). Since the investment account can be posted as collateral with a lender, the business owner can borrow against the policy, and since receipt of monies from a line of credit is not considered “income\", in effect a tax-free pension plan has been set up with the added bonus of providing a largely tax-free transfer of the death benefit to the children/shareholders of the company.",[341,3717,3718],{},"Borrowed from the world of pensions is the Personal Pension Plan (“PPP”), a combination registered pension plan for a single entrepreneur/professional. The PPP is funded by the company, much like the IRP, but the contributions trigger tax-deductions, similar to what occurs with an RRSP, except that the annual level of contributions exceeds RRSP limits and that a series of additional tax deductions are also available, such as:",[341,3720,3721],{},"A) Corporate contribution to assist the member in purchasing years of past service to increase the promised pension in retirement\nB) Terminal funding to allow the member to enhance the basic pension with ‘ancillary’ benefits such as indexing, CPP temporary bridge pension, and early unreduced pension benefits.\nC) Fees (investment management and administration) are fully tax-deductible, including any RRSPs transferred into the PPP's unlocked account.\nD) Special Payments, where the assets of the pension fund do not meet the prescribed rate of growth (7.5%)\nE) Interest paid to a lender to make contributions to the pension plan – also tax-deductible.",[341,3723,3724],{},"Thus, it is quite easy to see that with the right combination of solutions, a private sector actor can build a formidable retirement nest-egg that is as generous as a public sector pension but with additional bells and whistles.",[341,3726,3727],{},"The challenge remains, how does one convey this message in under 140 characters?",{"title":35,"searchDepth":36,"depth":37,"links":3729},[],{"uid":3731,"type":43,"date":3732,"author":45,"cover_image":3733,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3734,"category":48},"pension-innovation--how-can-entrepreneurs-level-the","2015-09-23","/uploads/pension-innovation--how-can-entrepreneurs-level-the-cover-image.jpg",[48],"/blog/pension-innovation-how-can-entrepreneurs-level-the",{"title":3698,"description":3703},"blog/pension-innovation--how-can-entrepreneurs-level-the","BJcA-CipML3Mz5a60VH701bMzXH8gqFgGBPbT6UPp24",{"id":3740,"title":3741,"body":3742,"description":3746,"extension":40,"meta":3755,"navigation":49,"path":3761,"seo":3762,"stem":3763,"__hash__":3764},"blog/blog/pension-reform-and-design-at-the-heart-of-integris.md","Pension Reform and Design at the Heart of INTEGRIS",{"type":8,"value":3743,"toc":3753},[3744,3747,3750],[341,3745,3746],{},"Recently, the CEO of the CIBC Mr. Gerry McCaughey, publicly announced that he felt Canadians should reform the Canada Pension Plan to allow for voluntary supplemental contributions so that members could enhance their pension benefits in retirement. This type of innovative thinking traces its origins to an article first published in October 2004 by the CEO of INTEGRIS, Mr. Jean-Pierre Laporte entitled “Reforming the Canada Pension Plan”. As mentioned in the article above, Canadian investors are facing many challenges when it comes to saving for their retirement.",[341,3748,3749],{},"“Our Canadian retirement system is based on the three-legged stool theory where Canadian retirees call upon three sources of income in order to meet their daily needs: public pensions (the CPP and Old Age Security), private pensions (RPPs provided by employers), and private savings (monies saved through registered retirement savings plans (RRSPs) stocks, bonds, guaranteed income certificates (GICs), etc.). Ostensibly, Canadians can rely on all three sources and should therefore be able to retire comfortably so long as they take responsibility for their private savings. The reality, however, is that most Canadians are only able to call upon the single leg of public pension plans1.”",[341,3751,3752],{},"“It would give Canadians the choice to put aside more – a little at a time – with the confidence of clearly knowing what benefits it will bring,”",{"title":35,"searchDepth":36,"depth":37,"links":3754},[],{"uid":3756,"type":43,"date":3757,"author":3758,"cover_image":3759,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3760},"pension-reform-and-design-at-the-heart-of-integris","2013-02-27","Cristina Warlop","/uploads/pension-reform-and-design-at-the-heart-of-integris-cover-image.jpg",[],"/blog/pension-reform-and-design-at-the-heart-of-integris",{"title":3741,"description":3746},"blog/pension-reform-and-design-at-the-heart-of-integris","dp4TQZALfptXJlsMGWk2SJBsTtD5J1Mn6yB0BHwD7nI",{"id":3766,"title":3767,"body":3768,"description":35,"extension":40,"meta":3772,"navigation":49,"path":3777,"seo":3778,"stem":3779,"__hash__":3780},"blog/blog/personal-pension-plans-featured-in-the-canadian-business-journal.md","Personal pension plans featured in the Canadian Business Journal",{"type":8,"value":3769,"toc":3770},[],{"title":35,"searchDepth":36,"depth":37,"links":3771},[],{"uid":3773,"type":43,"date":3774,"link":3775,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3776,"category":69},"personal-pension-plans-featured-in-the-canadian-business-journal","2017-01-10","https://www.cbj.ca/personal-pension-plans/",[69],"/blog/personal-pension-plans-featured-in-the-canadian-business-journal",{"title":3767,"description":35},"blog/personal-pension-plans-featured-in-the-canadian-business-journal","mzVPZmmymjgfMgIe9P7yFdCLQYtHFyoj3pwJxyo895Q",{"id":3782,"title":3783,"body":3784,"description":35,"extension":40,"meta":3788,"navigation":49,"path":3794,"seo":3795,"stem":3796,"__hash__":3797},"blog/blog/pharmacists-can-protect-earnings-from-tax-increases-through-a-personal-pension-plan.md","Pharmacists can protect earnings from tax increases through a personal pension plan",{"type":8,"value":3785,"toc":3786},[],{"title":35,"searchDepth":36,"depth":37,"links":3787},[],{"uid":3789,"type":43,"date":3790,"link":3791,"author":65,"cover_image":3792,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3793,"category":69},"pharmacists-can-protect-earnings-from-tax-increases-through-a-personal-pension-plan","2017-09-21","https://integris-website.cdn.prismic.io/integris-website/29d34795-aacf-4112-b5a9-69f2ec00f87d_Personal+pension+plans+-+a+way+to+blunt+the+blow.pdf","/uploads/pharmacists-can-protect-earnings-from-tax-increases-through-a-personal-pension-plan-cover-image.jpeg",[69],"/blog/pharmacists-can-protect-earnings-from-tax-increases-through-a-personal-pension-plan",{"title":3783,"description":35},"blog/pharmacists-can-protect-earnings-from-tax-increases-through-a-personal-pension-plan","qV2GDFWQgMESC_Z8SKNIQ9_0HBOQuemJEcd0ypHiKso",{"id":3799,"title":3800,"body":3801,"description":35,"extension":40,"meta":3805,"navigation":49,"path":3812,"seo":3813,"stem":3814,"__hash__":3815},"blog/blog/physician-compensation-are-ohip-payment-increases-.md","Physician compensation: are OHIP payment increases the only solution?",{"type":8,"value":3802,"toc":3803},[],{"title":35,"searchDepth":36,"depth":37,"links":3804},[],{"uid":3806,"type":43,"date":3807,"link":3808,"author":45,"cover_image":3809,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3810,"category":69},"physician-compensation-are-ohip-payment-increases-","2024-03-25","https://www.canadianhealthcarenetwork.ca/physician-compensation-are-ohip-payment-increases-only-solution","/uploads/physician-compensation-are-ohip-payment-increases--cover-image.jpg",[757,3811,69],"CPPP-News","/blog/physician-compensation-are-ohip-payment-increases",{"title":3800,"description":35},"blog/physician-compensation-are-ohip-payment-increases-","9J7m-JCneSIk3F8uMoK0VzXIDn6rPvOJgCdrub5PwNQ",{"id":3817,"title":3818,"body":3819,"description":3823,"extension":40,"meta":3832,"navigation":49,"path":3838,"seo":3839,"stem":3840,"__hash__":3841},"blog/blog/physicians-nps-dentists-and-lawyers-can-have-pensions.md","Podcast: Physicians, NPs, dentists, and lawyers can have pensions",{"type":8,"value":3820,"toc":3830},[3821,3824,3827],[341,3822,3823],{},"‎Part 1/3 How is my Financial Health, Doc?: Physicians, NPs, dentists, and lawyers can have pensions. No more need to envy Jesse! on Apple Podcasts",[341,3825,3826],{},"‎Part 2/3 How is my Financial Health, Doc?: Physicians, NPs, dentists, and lawyers can have pensions. Stand up for yourself says Katy! on Apple Podcasts",[341,3828,3829],{},"‎Part 3 /3 How is my Financial Health, Doc?: Physicians, NPs, dentists, and lawyers can have pensions. Grab the opportunity says Sia! on Apple Podcasts",{"title":35,"searchDepth":36,"depth":37,"links":3831},[],{"uid":3833,"type":43,"date":3834,"author":45,"cover_image":3835,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":3818,"meta_description":3836,"original_posted_date":45,"tags":3837,"category":69},"physicians-nps-dentists-and-lawyers-can-have-pensions","2021-02-13","/uploads/physicians-nps-dentists-and-lawyers-can-have-pensions-cover-image.jfif","No more need to envy those on HOOP, the Teachers Pension Fund, or the like. Incorporated healthcare professionals can also enjoy a pension under the professional corporation. Here is Part 1 of a 3-part series.",[69],"/blog/physicians-nps-dentists-and-lawyers-can-have-pensions",{"title":3818,"description":3823},"blog/physicians-nps-dentists-and-lawyers-can-have-pensions","C4FK-pfJmM9uBkXNvzsxlyt5wOTe46MMtqapRX8njK0",{"id":3843,"title":3844,"body":3845,"description":35,"extension":40,"meta":3849,"navigation":49,"path":3855,"seo":3856,"stem":3857,"__hash__":3858},"blog/blog/planning-your-retirement-ppp-vs.-rrsp.md","Planning Your Retirement: PPP® vs. RRSP",{"type":8,"value":3846,"toc":3847},[],{"title":35,"searchDepth":36,"depth":37,"links":3848},[],{"uid":3850,"type":43,"date":2374,"link":3851,"author":45,"cover_image":3852,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":3844,"meta_description":3853,"original_posted_date":45,"tags":3854,"category":69},"planning-your-retirement-ppp-vs.-rrsp","https://vexxitbusiness.com/taxation/planning-your-retirement-ppp-vs-rrsp","/uploads/planning-your-retirement-ppp-vs.-rrsp-cover-image.jfif","As a business owner or incorporated professional, you probably spend most of your days focused on the daily cash flow required to run your business. Your retirement may be an afterthought–even if it’s only a few years away. You’re not alone. Over three-quarters of small business owners don’t have retirement plans for themselves.",[69],"/blog/planning-your-retirement-ppp-vs.-rrsp",{"title":3844,"description":35},"blog/planning-your-retirement-ppp-vs.-rrsp","rR7kI5tEB9y-X0rwoTkSWjdgF3lSUSvv62fF2DtrvRU",{"id":3860,"title":3861,"body":3862,"description":35,"extension":40,"meta":3866,"navigation":49,"path":3872,"seo":3873,"stem":3874,"__hash__":3875},"blog/blog/podcast-interview-with-bre-an-appler-and-pean-pierre.md","Podcast interview with Bre-An Appler and Pean-Pierre Laporte",{"type":8,"value":3863,"toc":3864},[],{"title":35,"searchDepth":36,"depth":37,"links":3865},[],{"uid":3867,"type":43,"date":3868,"link":3869,"author":45,"cover_image":3870,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3871,"category":69},"podcast-interview-with-bre-an-appler-and-pean-pierre","2020-05-29","https://www.marrismiller.com/insights/podcast/podcast-interview-with-bre-an-appler-and-jean-pierre-laporte/","/uploads/podcast-interview-with-bre-an-appler-and-pean-pierre-cover-image.jpeg",[69],"/blog/podcast-interview-with-bre-an-appler-and-pean-pierre",{"title":3861,"description":35},"blog/podcast-interview-with-bre-an-appler-and-pean-pierre","V3uZdvCEmltm_Bt6v2P9hzJmcbeiQzkQ8fuej-VPsCg",{"id":3877,"title":3878,"body":3879,"description":35,"extension":40,"meta":3883,"navigation":49,"path":3889,"seo":3890,"stem":3891,"__hash__":3892},"blog/blog/podcast-tax-free-real-estate-investing-via-personal.md","Podcast: Tax-Free Real Estate Investing via Personal Pension Plans",{"type":8,"value":3880,"toc":3881},[],{"title":35,"searchDepth":36,"depth":37,"links":3882},[],{"uid":3884,"type":43,"date":3885,"link":3886,"author":45,"cover_image":3887,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3888,"category":757},"podcast-tax-free-real-estate-investing-via-personal","2022-01-18","https://anchor.fm/torontos-1-real-estate-po/episodes/289-Tax-Free-Real-Estate-Investing-via-Personal-Pension-Plans-with-Jean-Pierre-Laporte-from-INTEGRIS-e1d43ia/a-a78mvo6","/uploads/podcast-tax-free-real-estate-investing-via-personal-cover-image.jpg",[757],"/blog/podcast-tax-free-real-estate-investing-via-personal",{"title":3878,"description":35},"blog/podcast-tax-free-real-estate-investing-via-personal","XJoVRviRLkOrTvYrGaqskKmf-5NS_enHQW28PqQqFwU",{"id":3894,"title":3895,"body":3896,"description":35,"extension":40,"meta":3900,"navigation":49,"path":3906,"seo":3907,"stem":3908,"__hash__":3909},"blog/blog/podcast-with-dr.-vu-kiet-tran-on-inter-generational.md","Podcast with Dr. Vu Kiet Tran on inter-generational wealth transfers within a PPP",{"type":8,"value":3897,"toc":3898},[],{"title":35,"searchDepth":36,"depth":37,"links":3899},[],{"uid":3901,"type":43,"date":3902,"link":3903,"author":45,"cover_image":3904,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3905,"category":69},"podcast-with-dr.-vu-kiet-tran-on-inter-generational","2021-07-20","https://podcasts.apple.com/ca/podcast/how-is-my-financial-health-doc/id1505247925?i=1000529184581","/uploads/podcast-with-dr.-vu-kiet-tran-on-inter-generational-cover-image.jfif",[69],"/blog/podcast-with-dr.-vu-kiet-tran-on-inter-generational",{"title":3895,"description":35},"blog/podcast-with-dr.-vu-kiet-tran-on-inter-generational","nLQOV7HRRnR2CR81yvj7yiBpS14t1hL7RPo9pZYCr88",{"id":3911,"title":3912,"body":3913,"description":3917,"extension":40,"meta":3988,"navigation":49,"path":3993,"seo":3994,"stem":3995,"__hash__":3996},"blog/blog/ppp-customers-should-seriously-consider-joining-the.md","PPP customers should seriously consider joining the Canadian federation of independent business (CFIB)",{"type":8,"value":3914,"toc":3986},[3915,3918,3921,3924,3927,3930,3933,3936,3939,3942,3945,3956,3959,3967,3970,3978,3981],[341,3916,3917],{},"INTEGRIS Pension Management Corp. has developed many business relationships with firms in the Canadian financial services industry over the past 8 years. Some are large investment management firms, insurance companies, or accounting firms. Sometimes we come across niche service providers that fill a particular need for our clients outside of our core area of expertise.",[341,3919,3920],{},"This week we are pleased to reproduce an article by Anna Granic Regional District Manager for the Canadian Federation of Independent Business, a business association that lobbies for small and medium-sized companies and provides affinity products on a discounted basis.",[341,3922,3923],{},"The views expressed by the guest writer below are those of the author below and do not necessarily represent those of INTEGRIS Pension Management Corp.",[341,3925,3926],{},"My name is Anna Granic, and I am a District Manager at the Canadian Federation of Independent Business (CFIB). ",[341,3928,3929],{},"I am reaching out to you through JP on behalf of all small and medium businesses across Canada.  ",[341,3931,3932],{},"We need your help now as we tackle various issues that directly affect independent business owners, including the Hydro and Carbon Tax. With the unprecedented pandemic and the uncertainty of our economy, we need to stand together and make sure our voices are heard to lower taxes, improve regulations, and strengthen the business environment. ",[341,3934,3935],{},"To help us tackle these issues, we need you to become CFIB members.",[341,3937,3938],{},"In addition to helping small and medium businesses like yours through the objectives described above, there are numerous savings, resources, and benefits included in your membership (some of which are listed below). To join CFIB or to ask any questions, please reach me at the contact information listed in my signature file.  ",[341,3940,3941],{},"JP is already a member, and here is a link to his promotional membership video: ",[341,3943,3944],{},"I hope to hear from you soon. ",[341,3946,3947,3948,3952],{},"Anna Granic\nDistrict Manager\nCanadian Federation of Independent Business\nC: 647-403-8104\nCFIB -in business for your business\n",[354,3949,3950],{"href":3950,"rel":3951},"https://www.linkedin.com/in/annagranic/",[1238],[354,3953,3954],{"href":3954,"rel":3955},"https://www.cfib-fcei.ca/en",[1238],[341,3957,3958],{},"Exclusive Discounts",[531,3960,3961,3964],{},[19,3962,3963],{},"Save on payment processing, banking, payroll, shipping and more.",[19,3965,3966],{},"We leverage the size of our membership base -110,000 members - to negotiate great rates on products and services that help save you time, money and frustration.",[341,3968,3969],{},"Resources",[531,3971,3972,3975],{},[19,3973,3974],{},"Get expert advice from dedicated business counsellors in every province.",[19,3976,3977],{},"Access webinars and templates for common HR issues, and more.",[341,3979,3980],{},"A strong voice for Canadian business",[531,3982,3983],{},[19,3984,3985],{},"Influence the policies that affect your business.",{"title":35,"searchDepth":36,"depth":37,"links":3987},[],{"uid":3989,"type":43,"date":3990,"author":45,"cover_image":3991,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":3992},"ppp-customers-should-seriously-consider-joining-the","2020-09-15","/uploads/ppp-customers-should-seriously-consider-joining-the-cover-image.png",[],"/blog/ppp-customers-should-seriously-consider-joining-the",{"title":3912,"description":3917},"blog/ppp-customers-should-seriously-consider-joining-the","0DXUs9Ds3NTWhs1hZUdmiRZBa4DHpUdp65DHmypIz1M",{"id":3998,"title":3999,"body":4000,"description":35,"extension":40,"meta":4004,"navigation":49,"path":4010,"seo":4011,"stem":4012,"__hash__":4013},"blog/blog/ppp-featured-in-canadian-family-offices.md","PPP® featured in Canadian Family Offices",{"type":8,"value":4001,"toc":4002},[],{"title":35,"searchDepth":36,"depth":37,"links":4003},[],{"uid":4005,"type":43,"date":4006,"link":4007,"author":45,"cover_image":4008,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4009,"category":757},"ppp-featured-in-canadian-family-offices","2023-06-08","https://canadianfamilyoffices.com/estate-planning/overlooked-pension-plan-can-come-to-the-rescue-of-hnw-families","/uploads/ppp-featured-in-canadian-family-offices-cover-image.webp",[757],"/blog/ppp-featured-in-canadian-family-offices",{"title":3999,"description":35},"blog/ppp-featured-in-canadian-family-offices","z-N6j7OiseYBCej7wj0yMFEEdSMWQFjUtcaPcrZ9fNQ",{"id":4015,"title":4016,"body":4017,"description":4021,"extension":40,"meta":4112,"navigation":49,"path":4117,"seo":4118,"stem":4119,"__hash__":4120},"blog/blog/ppp-optimization-tips.md","PPP® Optimization Tips",{"type":8,"value":4018,"toc":4110},[4019,4022,4025,4028,4031,4034,4037,4040,4043,4046,4049,4052,4058,4061,4064,4067,4070,4073,4076,4079,4082,4085,4088,4090,4093,4096,4099,4101,4104],[341,4020,4021],{},"Tip #1\nRoll existing RRSPs into the AVC component of your PPP®. Turns non-deductible investment management fees into corporate tax deductions. ",[341,4023,4024],{},"Potential Savings\n1% Fee on AUM of $1,000,000 if Corporation pays tax at 26% = $2,600 refund of tax ",[341,4026,4027],{},"Tip #2\nApply for input tax credits for HST paid on your PPP® fees (commissions, IMFs etc.) ",[341,4029,4030],{},"Potential Savings\n100% of HST can be refunded  E.g. $500 refunded",[341,4032,4033],{},"Tip #3\nAd hoc valuation filed using market dip (e.g. March 31st 2020)  – crystalizes deficits that can be replenished by the corporation with tax-deductible special payments.  Also allows to go “bargain hunting” in a depressed stock market ",[341,4035,4036],{},"Potential Savings\nAssume PPP® with $1,000,000 before March 23rd that now has $600,000.  Corporate tax deduction on $400,000 special payment = $104,000 savings in corporate tax (using 26% corp.tax rate) ",[341,4038,4039],{},"Tip #4\nTrigger Terminal Funding prior to age 65 to enable the client to retire on a partially unreduced and indexed pension. ",[341,4041,4042],{},"Potential Savings\nIf Terminal Funding corporate tax deduction is $500,000 (and tax rate is 26%) savings are $130,000 ",[341,4044,4045],{},"Tip #5\nConsolidate all of one’s RRSPs under the PPP® to give creditor protection to these amounts ",[341,4047,4048],{},"Potential Savings\nDifficult to quantify the value of not losing one’s life savings to creditors ",[341,4050,4051],{},"Tip #6\nPension-income splitting with a spouse as early as age 50.  This can occur in parallel with Tip No. 4 (Terminal Funding) ",[341,4053,4054,4055],{},"Potential Savings\nIf the annual pension is $100,000, the mere fact of splitting income with a spouse saves the couple $8,124 annually.  If a couple starts at 50, that’s $121,860 more savings than with a RRIF. ",[2349,4056,4057],{},"Ontario rates",[341,4059,4060],{},"Tip #7\nAllocation a portion of the pension fund to non-RRSP eligible asset classes that are not linked to the stock market. ",[341,4062,4063],{},"Potential Savings\nProvides stability to the portfolio. (Difficult to quantify) ",[341,4065,4066],{},"Tip #8\nAdd adult children on the payroll of the family enterprise to the PPP® and recognize past service for them. ",[341,4068,4069],{},"Potential Savings\nOn the death of a retired PPP® member, there will be no ‘deemed disposition (e.g. $4,000,000 pension fund would save the survivors $2,000,000 in taxes on death) \nThe PPP® Inter-Generational Wealth Transfer Strategy is one of the most tax-efficient ways to pass on family wealth.",[341,4071,4072],{},"Tip #9",[341,4074,4075],{},"If you are a BC Doctor, and you set up a PPP®, make sure to apply for your BC medical association subsidy (the CPRSP). Click here for the form.",[341,4077,4078],{},"Potential Savings",[341,4080,4081],{},"This program could result in an annual subsidy of over $7,000 that can be contributed to your PPP®depending on your length of service as a billing physician and other factors.",[341,4083,4084],{},"Tip #10",[341,4086,4087],{},"Don’t forget to claim your non-refundable pension amount credit ($2,000 annually) for each person in the couple if you are doing pension income splitting (See Tip #6).  Click here for the CRA to provide guidance",[341,4089,4078],{},[341,4091,4092],{},"If a couple does pension income splitting (See Tip #6) and now also claims $4,000 annually as early as age 50, having remembered to claim this credit will translate into $9,000 in savings by the time they reach age 65.",[341,4094,4095],{},"Tip #11",[341,4097,4098],{},"Speak to INTEGRIS specialists about PPP® structure optimization and how to best navigate through the sale of a company, keeping the PPP structure in place.",[341,4100,4078],{},[341,4102,4103],{},"Business assets are extracted over time from the operating company to the PPP® (moving assets from a taxable to a tax-sheltered environment).  The business owner may complete plan amendments to transfer sponsorship from an operating company to a holding company to prepare for the sale of the company in the future.  The PPP® contributions help with purification and qualifying for the lifetime capital gains exemption on company sale.",[341,4105,4106,4107,4109],{},"Connect with our Sales team at ",[354,4108,545],{"href":544}," to see if we can help your clients realize additional savings.",{"title":35,"searchDepth":36,"depth":37,"links":4111},[],{"uid":4113,"type":43,"date":1510,"author":45,"cover_image":4114,"cover_image_credit":4115,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":4016,"meta_description":4016,"original_posted_date":45,"tags":4116,"category":757},"ppp-optimization-tips","/uploads/ppp-optimization-tips-cover-image.jpg","Photo by krakenimages on Unsplash",[757],"/blog/ppp-optimization-tips",{"title":4016,"description":4021},"blog/ppp-optimization-tips","ktgNAjpW3JKqfEyMorx7wWIdPWSS-8sYvSMNkcMGm5Y",{"id":4122,"title":4123,"body":4124,"description":4128,"extension":40,"meta":4137,"navigation":49,"path":4142,"seo":4143,"stem":4144,"__hash__":4145},"blog/blog/ppp-vs-rrsp-vs-ipp--case-study-for-doctors.md","PPP® vs RRSP vs IPP + Case study for Doctors",{"type":8,"value":4125,"toc":4135},[4126,4129,4132],[341,4127,4128],{},"Jean-Pierre Laporte, CEO from INTEGRIS, along with David MacNicol, President & Portfolio Manager from MacNicol & Associates Asset Management Inc reviews the PPP® vs RRSP vs IPP along with a case study for Doctors.",[341,4130,4131],{},"2021 PPP Case Study - Doctor",[341,4133,4134],{},"2021 PPP vs IPP Comparison for Advisors",{"title":35,"searchDepth":36,"depth":37,"links":4136},[],{"uid":4138,"type":43,"date":4139,"author":45,"cover_image":4140,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":4123,"meta_description":4128,"original_posted_date":45,"tags":4141,"category":757},"ppp-vs-rrsp-vs-ipp--case-study-for-doctors","2021-05-14","/uploads/ppp-vs-rrsp-vs-ipp--case-study-for-doctors-cover-image.png",[757],"/blog/ppp-vs-rrsp-vs-ipp-case-study-for-doctors",{"title":4123,"description":4128},"blog/ppp-vs-rrsp-vs-ipp--case-study-for-doctors","TS9_2_-M4puJlcT8iQMrP5s_xEPEZ6EjR3Xhhh_73HI",{"id":4147,"title":4148,"body":4149,"description":35,"extension":40,"meta":4153,"navigation":49,"path":4158,"seo":4159,"stem":4160,"__hash__":4161},"blog/blog/ppps-discussed-in-the-globe-and-mail.md","PPPs discussed in The Globe and Mail",{"type":8,"value":4150,"toc":4151},[],{"title":35,"searchDepth":36,"depth":37,"links":4152},[],{"uid":4154,"type":43,"date":4155,"link":4156,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4157,"category":69},"ppps-discussed-in-the-globe-and-mail","2015-01-28","https://www.theglobeandmail.com/investing/markets/",[69],"/blog/ppps-discussed-in-the-globe-and-mail",{"title":4148,"description":35},"blog/ppps-discussed-in-the-globe-and-mail","zH-F7nIHykTa5MzZ1JjQdgG2D85NrPyzP00Mx9j5D0M",{"id":4163,"title":4164,"body":4165,"description":35,"extension":40,"meta":4169,"navigation":49,"path":4174,"seo":4175,"stem":4176,"__hash__":4177},"blog/blog/ppps-featured-in-the-globe-and-mail.md","PPPs featured in The Globe and Mail",{"type":8,"value":4166,"toc":4167},[],{"title":35,"searchDepth":36,"depth":37,"links":4168},[],{"uid":4170,"type":43,"date":4171,"link":4172,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4173,"category":69},"ppps-featured-in-the-globe-and-mail","2016-05-12","https://www.pressreader.com/canada/the-globe-and-mail-bc-edition/20160512/281870117656389",[69],"/blog/ppps-featured-in-the-globe-and-mail",{"title":4164,"description":35},"blog/ppps-featured-in-the-globe-and-mail","cudiWNlvdo12yDUOeGevLpkEr8MFiNulfljl48u7aXI",{"id":4179,"title":4180,"body":4181,"description":4185,"extension":40,"meta":4282,"navigation":49,"path":4288,"seo":4289,"stem":4290,"__hash__":4291},"blog/blog/ppps-now-exempt-from-provincial-rules-in-ontario.md","PPPs now Exempt from Provincial rules in Ontario!!! Bill 213 receives Royal Assent",{"type":8,"value":4182,"toc":4280},[4183,4186,4189,4215,4218,4221,4224,4227,4271,4277],[341,4184,4185],{},"That's it folks, years of lobbying have finally paid off and INTEGRIS clients will now have the option of extracting their Personal Pension Plan from the jurisdiction of the Pension Benefits Act of Ontario.",[341,4187,4188],{},"This means:",[16,4190,4191,4194,4197,4200,4203,4206,4209,4212],{},[19,4192,4193],{},"No more governmental fee to get the plan registered in Ontario.",[19,4195,4196],{},"No more annual pension assessment paid to the Minister of Finance of Ontario.",[19,4198,4199],{},"No more online registration with the Pension Services Portal.",[19,4201,4202],{},"No more Form 7, Financial Statements filings, plan amendment filings etc.",[19,4204,4205],{},"No obligation for the sponsor of the PPP to make contributions whether these are for annual contributions or special payments.",[19,4207,4208],{},"Ability to transfer RRSPs in-kind when purchasing past service and doing a qualifying transfer.",[19,4210,4211],{},"Greater ability to do intergenerational wealth transfers with family members on the payroll of the family enterprise outside of retirement.",[19,4213,4214],{},"and many more....",[341,4216,4217],{},"Ontario joins other provinces that have relaxed their regulation of PPPs such as, from West to East, BC, AB, MB, QC, NB, NS and PEI.",[341,4219,4220],{},"Any business owner in Ontario that is under the age of 71 and has a company paying him or her a salary should immediately contact their financial advisor to get a PPP quote. The last reason to procrastinate and continue to use an RRSP is now Ontario history.",[341,4222,4223],{},"As a refresher, the PPP provides the largest possible tax deductions permitted by the Income Tax Act (Canada) because of its triple account combination structure. It can double and sometimes triple the amount of tax assistance that someone is entitled to under RRSP rules over a lifetime.",[341,4225,4226],{},"Some of the key tax advantages of PPPs include:",[531,4228,4229,4232,4235,4238,4241,4244,4247,4250,4253,4256,4259,4262,4265,4268],{},[19,4230,4231],{},"Terminal Funding during early retirement",[19,4233,4234],{},"Pension income splitting with a spouse as early as age 50",[19,4236,4237],{},"Purchase of Past Service if T4 income was paid in prior years",[19,4239,4240],{},"Special Payments if the internal rate of return on assets is below 7.5%",[19,4242,4243],{},"Investment management fees are tax deductible",[19,4245,4246],{},"Interest paid to a lender is tax deductible if loan is used to contribute to the PPP",[19,4248,4249],{},"RRSP contributions can often be made in addition to PPP contributions in the year of plan set up",[19,4251,4252],{},"HST pension entity rebate program (33% refund of HST) can be claimed annual",[19,4254,4255],{},"Contributions to the PPP exclude these passive assets from the Tax On Passive Income rules.",[19,4257,4258],{},"Contributions to the PPP help purify a corporation when the shareholder wishes to utilize the Lifetime Capital Gains Exemption",[19,4260,4261],{},"Wealth by passes the deemed disposition on death (and provincial probate fees) when family members are also members of the PPP.",[19,4263,4264],{},"Assets in the PPP are exempted from the departure tax when a client becomes a non-resident of Canada",[19,4266,4267],{},"Canadian Tax rate for many PPP clients that retire outside of Canada is 15% (thanks to tax treaties) instead of the normal tax rates in Canadian provinces (eg. top rate in Ontario is 53.5%)",[19,4269,4270],{},"And of course, higher annual tax deductible contributions than what is permitted under the RRSP rules, every year at all ages!",[341,4272,4273,4274,4276],{},"In light of this, if you have not yet considered upgrading to a PPP, you should consult your financial advisor or contact us at ",[354,4275,357],{"href":356}," to book an appointment to speak to our Sales representatives.",[341,4278,4279],{},"Nota Bene: Only PPPs (and IPPs) for connected persons are able to exempt themselves from the provincial pension rules. Those who sponsor PPPs for non-connected members cannot take advantage of Bill 213.",{"title":35,"searchDepth":36,"depth":37,"links":4281},[],{"uid":4283,"type":43,"date":4284,"author":45,"cover_image":4285,"cover_image_credit":4286,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4287,"category":757},"ppps-now-exempt-from-provincial-rules-in-ontario","2020-12-09","/uploads/ppps-now-exempt-from-provincial-rules-in-ontario-cover-image.jpg","Photo by Aditya Joshi on Unsplash",[757],"/blog/ppps-now-exempt-from-provincial-rules-in-ontario",{"title":4180,"description":4185},"blog/ppps-now-exempt-from-provincial-rules-in-ontario","M3bViCwQxgj6LkYuH48LhYZi_kpNdp-hIQm48xFN0KI",{"id":4293,"title":4294,"body":4295,"description":35,"extension":40,"meta":4299,"navigation":49,"path":4306,"seo":4307,"stem":4308,"__hash__":4309},"blog/blog/ppps-offer-security-in-retirement.md","PPPs Offer Security in Retirement",{"type":8,"value":4296,"toc":4297},[],{"title":35,"searchDepth":36,"depth":37,"links":4298},[],{"uid":4300,"type":43,"date":4301,"link":4302,"author":45,"cover_image":4303,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":4304,"meta_description":45,"original_posted_date":45,"tags":4305,"category":757},"ppps-offer-security-in-retirement","2021-12-23","https://integris-website.cdn.prismic.io/integris-website/36a1cc35-c849-4584-9864-a211c3d81f65_BPM+Dec+2021+-+LaporteMachel.pdf","/uploads/ppps-offer-security-in-retirement-cover-image.jpg","PPPs Offer Security In 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P.I.G",{"type":8,"value":4314,"toc":4315},[],{"title":35,"searchDepth":36,"depth":37,"links":4316},[],{"uid":4318,"type":43,"date":1969,"link":4319,"author":45,"cover_image":4320,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4321},"protecting-oneself-from-topi--p.i.g","https://youtu.be/6tUQHoFjwX4","/uploads/protecting-oneself-from-topi--p.i.g-cover-image.jpg",[658,1973],"/blog/protecting-oneself-from-topi-p.i.g",{"title":4312,"description":35},"blog/protecting-oneself-from-topi--p.i.g","N83zCutgRT4G_afFsUMVb3BUndvrk7Fii5F2JmvADJI",{"id":4327,"title":4328,"body":4329,"description":35,"extension":40,"meta":4333,"navigation":49,"path":4338,"seo":4339,"stem":4340,"__hash__":4341},"blog/blog/raymond-choo-from-westminster-private-wealth-discusses.md","Raymond Choo from Westminster Private Wealth discusses the PPP with INTEGRIS CEO in this webinar",{"type":8,"value":4330,"toc":4331},[],{"title":35,"searchDepth":36,"depth":37,"links":4332},[],{"uid":4334,"type":43,"date":4335,"author":45,"cover_image":4336,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":4328,"meta_description":4328,"original_posted_date":45,"tags":4337,"category":69},"raymond-choo-from-westminster-private-wealth-discusses","2020-09-04","/uploads/raymond-choo-from-westminster-private-wealth-discusses-cover-image.jpg",[69],"/blog/raymond-choo-from-westminster-private-wealth-discusses",{"title":4328,"description":35},"blog/raymond-choo-from-westminster-private-wealth-discusses","O3sDOkNAYVgPvVqMdFXa7yadB4UESZeAAm7kmSOSPBw",{"id":4343,"title":4344,"body":4345,"description":4349,"extension":40,"meta":4352,"navigation":49,"path":4359,"seo":4360,"stem":4361,"__hash__":4362},"blog/blog/retirement-plan-options-for-pension-less-physicians.md","Retirement plan options for pension-less physicians",{"type":8,"value":4346,"toc":4350},[4347],[341,4348,4349],{},"Retirement planning has been front of mind for many Canadian physicians in recent months.",{"title":35,"searchDepth":36,"depth":37,"links":4351},[],{"uid":4353,"type":43,"date":4354,"link":4355,"author":45,"logo":4356,"cover_image":4357,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4358,"category":69},"retirement-plan-options-for-pension-less-physicians","2019-09-20","https://www.cmaj.ca/content/191/36/E1014","/uploads/retirement-plan-options-for-pension-less-physicians-logo.png","/uploads/retirement-plan-options-for-pension-less-physicians-cover-image.gif",[69,1880],"/blog/retirement-plan-options-for-pension-less-physicians",{"title":4344,"description":4349},"blog/retirement-plan-options-for-pension-less-physicians","IbKQ7KquaF_6TR-EgVLBc4qxyB8ENIJO6tWj8Zx4A4Y",{"id":4364,"title":4365,"body":4366,"description":4370,"extension":40,"meta":4373,"navigation":49,"path":4380,"seo":4381,"stem":4382,"__hash__":4383},"blog/blog/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists.md","Preventing Retirement Income Decay Like You Prevent Tooth Decay: The Personal Pension Plan",{"type":8,"value":4367,"toc":4371},[4368],[341,4369,4370],{},"Richardson GMP advisor Yaron Orgil discusses how dentists can make use of PPPs to save for retirement in the March issue of Oral Health Journal",{"title":35,"searchDepth":36,"depth":37,"links":4372},[],{"uid":4374,"type":43,"date":4375,"link":4376,"author":45,"logo":4377,"cover_image":4378,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4379,"category":69},"richardson-gmp-advisor-yaron-orgil-discusses-how-dentists","2019-03-01","https://www.oralhealthgroup.com/features/preventing-retirement-income-decay-like-you-prevent-tooth-decay-the-personal-pension-plan/","/uploads/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists-logo.png","/uploads/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists-cover-image.jpg",[69,1880],"/blog/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists",{"title":4365,"description":4370},"blog/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists","qTdIXX3gODy4pVcksLAUI62zg2LoJy2ad546IyK-Qrw",{"id":4385,"title":4370,"body":4386,"description":35,"extension":40,"meta":4390,"navigation":49,"path":4396,"seo":4397,"stem":4398,"__hash__":4399},"blog/blog/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists-can-make-use-of-ppps-to-save-for-retirement-in-the-march-issue-of-oral-health-journal..md",{"type":8,"value":4387,"toc":4388},[],{"title":35,"searchDepth":36,"depth":37,"links":4389},[],{"uid":4391,"type":43,"date":4392,"link":4376,"author":4393,"cover_image":4394,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4395,"category":69},"richardson-gmp-advisor-yaron-orgil-discusses-how-dentists-can-make-use-of-ppps-to-save-for-retirement-in-the-march-issue-of-oral-health-journal.","2019-03-28","INTEGRIS Pension Management Corp","/uploads/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists-can-make-use-of-ppps-to-save-for-retirement-in-the-march-issue-of-oral-health-journal.-cover-image.jpeg",[69],"/blog/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists-can-make-use-of-ppps-to-save-for-retirement-in-the-march-issue-of-oral-health-journal.",{"title":4370,"description":35},"blog/richardson-gmp-advisor-yaron-orgil-discusses-how-dentists-can-make-use-of-ppps-to-save-for-retirement-in-the-march-issue-of-oral-health-journal.","MiY4w_Cf-aSjBvD5v8KWfUamEAmvcSENnc47mGjM-8s",{"id":4401,"title":4402,"body":4403,"description":35,"extension":40,"meta":4407,"navigation":49,"path":4412,"seo":4413,"stem":4414,"__hash__":4415},"blog/blog/rick-mamros-of-beacon-insurance-presents-a-case-study.md","Rick Mamros of Beacon Insurance presents a case study of an individual using a personal pension plan in this webinar",{"type":8,"value":4404,"toc":4405},[],{"title":35,"searchDepth":36,"depth":37,"links":4406},[],{"uid":4408,"type":43,"date":4409,"link":4410,"author":45,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4411,"category":69},"rick-mamros-of-beacon-insurance-presents-a-case-study","2020-06-26","https://www.youtube.com/watch?v=lSBdilxt1Uk&feature=youtu.be&ab_channel=INTEGRISPMC",[69],"/blog/rick-mamros-of-beacon-insurance-presents-a-case-study",{"title":4402,"description":35},"blog/rick-mamros-of-beacon-insurance-presents-a-case-study","qBPcR_yOnSOsPKndgdBI8dIU9oIhJqacESSnrzFUXyg",{"id":4417,"title":4418,"body":4419,"description":35,"extension":40,"meta":4423,"navigation":49,"path":4429,"seo":4430,"stem":4431,"__hash__":4432},"blog/blog/robinson-smith-and-jp-laporte-discuss-the-enhanced.md","Robinson Smith and JP Laporte discuss the “Enhanced Smith Manoeuvre” with real estate podcast host Randy Selzer.",{"type":8,"value":4420,"toc":4421},[],{"title":35,"searchDepth":36,"depth":37,"links":4422},[],{"uid":4424,"type":43,"date":4425,"link":4426,"author":45,"cover_image":4427,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4428,"category":757},"robinson-smith-and-jp-laporte-discuss-the-enhanced","2022-01-20","https://youtu.be/GC2cGqkmt5s","/uploads/robinson-smith-and-jp-laporte-discuss-the-enhanced-cover-image.jpg",[757],"/blog/robinson-smith-and-jp-laporte-discuss-the-enhanced",{"title":4418,"description":35},"blog/robinson-smith-and-jp-laporte-discuss-the-enhanced","qVFQ2t6zmJQc1sOhaXCgnTbzUQHrI9X11AbW4cUPTyk",{"id":4434,"title":4435,"body":4436,"description":4440,"extension":40,"meta":4449,"navigation":49,"path":4454,"seo":4455,"stem":4456,"__hash__":4457},"blog/blog/rrsp-shortcomings-and-the-value-of-integris.md","RRSP Shortcomings and the value of INTEGRIS",{"type":8,"value":4437,"toc":4447},[4438,4441,4444],[341,4439,4440],{},"RRSPs are wonderful tools to build oneself a retirement nest-egg. Unfortunately, they also suffer from a few short-comings, deficiencies that INTEGRIS has been engineered to overcome.",[341,4442,4443],{},"Firstly, they are retail products. This translates in higher fees than is required. After all, financial institutions must pay commissions to investments advisors (salespeople) to get you to buy in. INTEGRIS doesn't charge a commission (often called a 'trailer' in industry talk). And because many RRSP providers have to compensate the salespeople upfront, they also slip in \"deferred sales charges\", in other words, penalties you have to pay to move your money to a new RRSP provider. INTEGRIS doesn't play those games, we only get paid when we deliver immediate value, and our fees are broken down to the last cent so you always know how further ahead you are.",[341,4445,4446],{},"Moreover, the tax laws cap the total tax deductions available to you when contributing to an RRSP. INTEGRIS is governed by pension tax laws, this means that you can always exceed the RRSP limits. In addition, because of the fact that INTEGRIS is a pension plan, a number of additional tax deduction that are unavailable in an RRSP exist: administration fees and investment fees, interest charges on borrowings etc. These allow an incorporated professional to acquire a larger pension with pre-tax dollars instead of using after-tax dollars. Finally, while RRSPs make sense for those who have the expertise and time to monitor their investments for many others, playing the stock markets is not an option. INTEGRIS gives those who would rather focus on their business the opportunity to invest through an age-appropriate life cycle fund that progressively immunizes one's assets from market volatility as one approaches retirement age.",{"title":35,"searchDepth":36,"depth":37,"links":4448},[],{"uid":4450,"type":43,"date":4451,"author":45,"cover_image":4452,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4453,"category":48},"rrsp-shortcomings-and-the-value-of-integris","2019-08-07","/uploads/rrsp-shortcomings-and-the-value-of-integris-cover-image.jpg",[48],"/blog/rrsp-shortcomings-and-the-value-of-integris",{"title":4435,"description":4440},"blog/rrsp-shortcomings-and-the-value-of-integris","otGD0qj2DxeziUNYp1cdZxPxfK-COf0rI-nLiAVs4qs",{"id":4459,"title":4435,"body":4460,"description":4440,"extension":40,"meta":4470,"navigation":49,"path":4474,"seo":4475,"stem":4476,"__hash__":4477},"blog/blog/rrsp-shortcomings-and-the-value-of-integris1.md",{"type":8,"value":4461,"toc":4468},[4462,4464,4466],[341,4463,4440],{},[341,4465,4443],{},[341,4467,4446],{},{"title":35,"searchDepth":36,"depth":37,"links":4469},[],{"uid":4471,"type":43,"date":44,"author":45,"cover_image":4472,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4473,"category":48},"rrsp-shortcomings-and-the-value-of-integris1","/uploads/rrsp-shortcomings-and-the-value-of-integris1-cover-image.jpg",[48],"/blog/rrsp-shortcomings-and-the-value-of-integris1",{"title":4435,"description":4440},"blog/rrsp-shortcomings-and-the-value-of-integris1","ImHL0QHVC8wcrMAJ1fFOpiGIyl3SFlgmnfW0LQuO2Rg",{"id":4479,"title":4480,"body":4481,"description":35,"extension":40,"meta":4485,"navigation":49,"path":4491,"seo":4492,"stem":4493,"__hash__":4494},"blog/blog/rubach-wealth-a-top-tier-financial-planning-firm-in.md","Rubach Wealth, a top-tier financial planning firm in Toronto, published an article on the use of Personal Pension Plans for succession planning",{"type":8,"value":4482,"toc":4483},[],{"title":35,"searchDepth":36,"depth":37,"links":4484},[],{"uid":4486,"type":43,"date":4487,"link":4488,"author":45,"cover_image":4489,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4490,"category":757},"rubach-wealth-a-top-tier-financial-planning-firm-in","2022-05-03","https://www.rubachwealth.com/personal-pension-plans/","/uploads/rubach-wealth-a-top-tier-financial-planning-firm-in-cover-image.jpg",[757],"/blog/rubach-wealth-a-top-tier-financial-planning-firm-in",{"title":4480,"description":35},"blog/rubach-wealth-a-top-tier-financial-planning-firm-in","6aofRVSwcOEHxr1nGXoNAU2UcO5FtZrLMZf8E97elnw",{"id":4496,"title":4497,"body":4498,"description":4502,"extension":40,"meta":4526,"navigation":49,"path":4531,"seo":4532,"stem":4533,"__hash__":4534},"blog/blog/saving-strategically-for-retirement.md","Saving strategically for retirement",{"type":8,"value":4499,"toc":4524},[4500,4503,4506,4509,4512,4515,4518,4521],[341,4501,4502],{},"The old cliché about the only two certainties in life being death and taxes are almost inevitable in any discussion on pensions. In particular, our prevailing preoccupation with financial security at retirement is rooted in the realization that we are in fact living longer coupled with the uncertainty surrounding the adequacy of our retirement savings in relation to our specific needs at retirement. How does one strategically save adequately for retirement while minimizing the taxes they pay? While actuaries can, using sound actuarial principles and assumptions, make pretty accurate estimates of the amounts needed to fund a comfortable pension, variances in actual realities such as life expectancy and interest rates do exist. This is what makes reaching a comfortable retirement destination challenging. The answer? Careful planning is required to charter a route that effectively marries your retirement expectations with the right savings and tax sheltering strategies to get you to your destination. At issue to consider are: How much is enough savings to satisfy your projected retirement needs? What tax sheltering strategies should you employ in the accumulation stage? How will your pension be taxed on payment? What retirement savings vehicle is best suited to your plan? These are the thoughtful questions that ought to be considered when planning for your retirement. In fact, it is at this juncture that the INTEGRIS Personal Pension Plan (PPP) would be introduced into and benefit this conversation.",[341,4504,4505],{},"Over time, governments of developed countries have introduced tax-advantaged savings options to encourage individuals to make provisions for their old age and therefore not be a financial burden on the government. Most of these pension options are unfortunately outdated and inadequate then as they are now, having been introduced in the late 1800s and early 1900s. In fact, at a time when the average life expectancy was 60 - 62, these pension plans were thoughtlessly designed to start paying out at age 65 to the working men and women. Clearly, as health standards have improved over time, working conditions have become less dangerous and life expectancy has risen sharply, the cost of these universal pension plans have become increasingly higher and harder to bear. Governments have therefore had to adopt the stance of encouraging individuals to play a more active role in saving for their retirement. To do this, governments have introduced mechanisms that provide tax break incentives targeted to encourage savings through registered plans such as Registered Pension Plans (RPPs), Registered Retirement Savings Plans (RRSPs), and Tax-Free Savings Accounts (TFSAs). The tax-deferred nature of these retirement savings vehicles offers an immensely valuable feature from a taxation perspective, as it allows tax-sheltered reinvestment of dividends and interest on the income and capital gains side. Notably, the INTEGRIS PPP offered by INTEGRIS Pension Management Corp. is in fact an Individual Pension Plan (IPP) which falls under the umbrella of an RPP. However, unlike the conventional IPP which is strictly a Defined Benefit (DB) RPP, INTEGRIS PPP’s flexible plan design uniquely offers, among other enhancements, both Defined Benefit and Defined Contribution options.",[341,4507,4508],{},"Much like the UK which is attempting to address its perceived shortage of pension saving, the trend in developed economies is to make retirement savings compulsory for all workers without existing pension plans, in the next decade. Of course, trying to persuade twenty-somethings to save for their retirement can sometimes seem to be an exercise in futility, as this would mean shifting their focus from their more immediate priorities as repaying tuition debt, rent, and saving for a down payment for a house. This also occurs at a time when salaries are relatively low and the pleasures of existence, such as dining out, vacations, and accumulating possessions, are major preoccupations. This is both regrettable and entirely understandable; at 25, concerns about what size your pension will be in forty years, unfortunately, do not rank highly on an average person’s list of concerns keeping him up at night.",[341,4510,4511],{},"Unfortunately for the younger population who may have other priorities, the most effective way of saving for retirement is still to invest as much as possible at the earliest possible stage, as the tax-deferred compounding within a pension plan is most effective when it has the longest time to work. It also allows the individual to select a very high allocation to equities which, long term studies demonstrate, produce the highest average annual returns, as the longer time horizon allows the investor the luxury to overcome volatility that may be experienced in the early years.",[341,4513,4514],{},"One of the techniques that have proven to work effectively in saving for retirement is to invest the same amount regularly by dollar-cost averaging. It is entirely mechanical and thus removes human emotion from preventing individuals from investing when prices have fallen and invested too much when they have risen. The combination of a relatively early start and dollar-cost averaging invested in a diversified portfolio with tax protection will ensure a reasonable amount has been accumulated within a decade or two. Another approach that can be very successful is the one advocated in David Chilton’s financial classic “The Wealthy Barber” which involves “paying yourself first”. In other words, deduct at least 5% and preferably 10% from your pay-cheque automatically, and invest regularly in a tax-deferred pension plan. The INTEGRIS PPP with its flexible tax-effective design allows you to do this through its Defined Contribution option.",[341,4516,4517],{},"There are a number of professions such as medicine, dental, law, accountancy, franchises, and, of course, traditional small to medium-sized businesses that do not have access to the gold plated defined benefit pension plans available to employees in the public sector and large companies. The INTEGRIS PPP answers this issue and provides a retirement saving solution that goes beyond these incorporated individuals. It has the same characteristics as these larger solid pension plans, including a wider range of available investments to reduce volatility and improve returns such as private equity, venture capital, and real estate. Members also benefit greatly from annual actuarial valuations, robust creditor protection, tax-deductibility of investment fees, and the unique ability to vary contributions dependent upon cash-flow and market conditions.",[341,4519,4520],{},"Undoubtedly, the tax savings and other enhanced benefits realized from conversion to an INTEGRIS PPP do cover the costs associated with making the change and fees for the first few years. Not only is the overall status of the retirement plan improved, but the tax deductibility of the plan expenses results in a substantial gain over what would be achieved using the traditional tax-deferred plans such as RRSPs. Reducing expenses is often claimed to be the most effective way to boost returns, as it is a controllable cost. Tax deductibility is carrying this principle a stage further, so regardless of the cost of the underlying investments in a plan and whether they are actively or passively managed, an investor with an INTEGRIS PPP will end up with a larger amount in their pension plan. This will then ultimately alleviate the stress of wondering whether the individual has saved enough for his retirement in a tax-effective manner.",[341,4522,4523],{},"Clearly, the choice of retirement vehicle lies at the heart of addressing the issues of planning a desired retirement lifestyle, determining how much one needs to save to meet their retirement needs, and the tax strategies one needs to employ within this framework. In examining all available options, practical imperative demands a solution that considers both the current pre-retirement reality in the pension accumulation stage as well as the post-retirement projected circumstance. The desired retirement solution must of course work in harmony with both stages. Such a solution resides in the INTEGRIS PPP, which provides an attractive value proposition through its innovative plan design, robust compliance, and administrative framework, and its end-to-end member-centric support system.",{"title":35,"searchDepth":36,"depth":37,"links":4525},[],{"uid":4527,"type":43,"date":4528,"author":622,"cover_image":4529,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4530,"category":48},"saving-strategically-for-retirement","2014-04-04","/uploads/saving-strategically-for-retirement-cover-image.jpg",[48],"/blog/saving-strategically-for-retirement",{"title":4497,"description":4502},"blog/saving-strategically-for-retirement","FrmqxsZG4e2J7yaRWgSeEtI9Nwo66O5aZFObcoS1EU0",{"id":4536,"title":4537,"body":4538,"description":35,"extension":40,"meta":4542,"navigation":49,"path":4547,"seo":4548,"stem":4549,"__hash__":4550},"blog/blog/savvy-business-owners-may-want-to-explore-ipps-and.md","Savvy business owners may want to explore IPPs and PPPs",{"type":8,"value":4539,"toc":4540},[],{"title":35,"searchDepth":36,"depth":37,"links":4541},[],{"uid":4543,"type":43,"date":4335,"link":4544,"author":45,"cover_image":4545,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4546},"savvy-business-owners-may-want-to-explore-ipps-and","https://integris-website.cdn.prismic.io/integris-website/5dcd6915-328e-4d07-ba04-61ef0030726d_Savvy+business+owners+may+want+to+explore+IPPs+and+PPPs+-+Insurance+Portal.pdf","/uploads/savvy-business-owners-may-want-to-explore-ipps-and-cover-image.jpg",[],"/blog/savvy-business-owners-may-want-to-explore-ipps-and",{"title":4537,"description":35},"blog/savvy-business-owners-may-want-to-explore-ipps-and","h5TLb_FKZEmAEOc0oJ5tE_DuYMfcqB4F_fx-ZD5QbGA",{"id":4552,"title":4553,"body":4554,"description":35,"extension":40,"meta":4558,"navigation":49,"path":4564,"seo":4565,"stem":4566,"__hash__":4567},"blog/blog/scotia-wealth-advisor-richard-dri-interviews-integris-ceo-on-podcast-relating-to-pension-solutions..md","Scotia Wealth advisor Richard Dri interviews Integris CEO on podcast relating to pension solutions",{"type":8,"value":4555,"toc":4556},[],{"title":35,"searchDepth":36,"depth":37,"links":4557},[],{"uid":4559,"type":43,"date":4560,"link":4561,"author":65,"cover_image":4562,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4563,"category":69},"scotia-wealth-advisor-richard-dri-interviews-integris-ceo-on-podcast-relating-to-pension-solutions.","2019-04-08","https://podcasts.apple.com/ca/podcast/the-wealth-navigator-podcast-with-richard-dri/id1450283453","/uploads/scotia-wealth-advisor-richard-dri-interviews-integris-ceo-on-podcast-relating-to-pension-solutions.-cover-image.jpeg",[69],"/blog/scotia-wealth-advisor-richard-dri-interviews-integris-ceo-on-podcast-relating-to-pension-solutions.",{"title":4553,"description":35},"blog/scotia-wealth-advisor-richard-dri-interviews-integris-ceo-on-podcast-relating-to-pension-solutions.","7B4YQrPafWO9hB264nbUdgmB83CozOFcAtDgxso8EJg",{"id":4569,"title":4570,"body":4571,"description":35,"extension":40,"meta":4575,"navigation":49,"path":4581,"seo":4582,"stem":4583,"__hash__":4584},"blog/blog/tax-changes-spurred-interest-in-ipps-and-ppps---insurance.md","Tax changes spurred interest in IPPs and PPPs - Insurance Portal",{"type":8,"value":4572,"toc":4573},[],{"title":35,"searchDepth":36,"depth":37,"links":4574},[],{"uid":4576,"type":43,"date":4577,"link":4578,"author":45,"cover_image":4579,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4580},"tax-changes-spurred-interest-in-ipps-and-ppps---insurance","2020-09-07","https://integris-website.cdn.prismic.io/integris-website/778885aa-f317-4438-8771-37b194e4e194_Tax+changes+spurred+interest+in+IPPs+and+PPPs+-+Insurance+Portal.pdf","/uploads/tax-changes-spurred-interest-in-ipps-and-ppps---insurance-cover-image.jpg",[],"/blog/tax-changes-spurred-interest-in-ipps-and-ppps-insurance",{"title":4570,"description":35},"blog/tax-changes-spurred-interest-in-ipps-and-ppps---insurance","F5GJAALpIRR_ToBlinFsimxaQ1HYfRUdTZWie3s8GM8",{"id":4586,"title":4587,"body":4588,"description":35,"extension":40,"meta":4592,"navigation":49,"path":4598,"seo":4599,"stem":4600,"__hash__":4601},"blog/blog/terminal-funding-with-jp-laporte--dr.-tran.md","Terminal Funding with JP Laporte & Dr. Tran",{"type":8,"value":4589,"toc":4590},[],{"title":35,"searchDepth":36,"depth":37,"links":4591},[],{"uid":4593,"type":43,"date":4594,"link":4595,"author":45,"cover_image":4596,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4597,"category":757},"terminal-funding-with-jp-laporte--dr.-tran","2021-08-17","https://youtu.be/RRYYGze8k-s","/uploads/terminal-funding-with-jp-laporte--dr.-tran-cover-image.png",[757],"/blog/terminal-funding-with-jp-laporte-dr.-tran",{"title":4587,"description":35},"blog/terminal-funding-with-jp-laporte--dr.-tran","pjDvNZlwTJfMXtjtc_wV-95dFjX2w2oUsitfMJxE_rY",{"id":4603,"title":4604,"body":4605,"description":35,"extension":40,"meta":4609,"navigation":49,"path":4614,"seo":4615,"stem":4616,"__hash__":4617},"blog/blog/the-advent-of-the-canadian-physicians-pension-plan.md","The Advent of the Canadian Physicians' Pension Plan",{"type":8,"value":4606,"toc":4607},[],{"title":35,"searchDepth":36,"depth":37,"links":4608},[],{"uid":4610,"type":43,"date":4006,"link":4611,"author":45,"cover_image":4612,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4613},"the-advent-of-the-canadian-physicians-pension-plan","https://www.dropbox.com/s/zuufooiqc7scztb/The%20Advent%20of%20the%20Canadian%20Physicians.pdf?dl=0","/uploads/the-advent-of-the-canadian-physicians-pension-plan-cover-image.jpg",[658],"/blog/the-advent-of-the-canadian-physicians-pension-plan",{"title":4604,"description":35},"blog/the-advent-of-the-canadian-physicians-pension-plan","-3mI_XGfbHMD8Y8CwTdg_R7O4CG6ueIbhqisc5uRY6g",{"id":4619,"title":4620,"body":4621,"description":35,"extension":40,"meta":4625,"navigation":49,"path":4631,"seo":4632,"stem":4633,"__hash__":4634},"blog/blog/the-benefits-of-a-personal-pension-plan-when-selling.md","The benefits of a Personal Pension Plan when selling a business or closing a practice",{"type":8,"value":4622,"toc":4623},[],{"title":35,"searchDepth":36,"depth":37,"links":4624},[],{"uid":4626,"type":43,"date":4627,"link":4628,"author":45,"cover_image":4629,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4630,"category":48},"the-benefits-of-a-personal-pension-plan-when-selling","2022-09-19","https://youtu.be/tbrN5StVQGQ","/uploads/the-benefits-of-a-personal-pension-plan-when-selling-cover-image.jpg",[48],"/blog/the-benefits-of-a-personal-pension-plan-when-selling",{"title":4620,"description":35},"blog/the-benefits-of-a-personal-pension-plan-when-selling","7Dg7g2YSO1iwn8bamOzpzh2uNfj4qpiP6C5YjJYqozo",{"id":4636,"title":4637,"body":4638,"description":35,"extension":40,"meta":4642,"navigation":49,"path":4648,"seo":4649,"stem":4650,"__hash__":4651},"blog/blog/the-benefits-of-a-ppp-personal-pension-plan-while.md","The benefits of a PPP (Personal Pension Plan) while retired",{"type":8,"value":4639,"toc":4640},[],{"title":35,"searchDepth":36,"depth":37,"links":4641},[],{"uid":4643,"type":43,"date":4644,"link":4645,"author":45,"cover_image":4646,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4647,"category":48},"the-benefits-of-a-ppp-personal-pension-plan-while","2022-09-20","https://youtu.be/1br6cejUs-E","/uploads/the-benefits-of-a-ppp-personal-pension-plan-while-cover-image.jpg",[48],"/blog/the-benefits-of-a-ppp-personal-pension-plan-while",{"title":4637,"description":35},"blog/the-benefits-of-a-ppp-personal-pension-plan-while","Od1XLJIxPC-QqjlelNc4dU3roLUHMsgkEWEigCbZYns",{"id":4653,"title":4654,"body":4655,"description":4659,"extension":40,"meta":4662,"navigation":49,"path":4669,"seo":4670,"stem":4671,"__hash__":4672},"blog/blog/the-daily-finance-is-recognizing-integris-as-one-of.md","The Daily Finance is recognizing INTEGRIS as one of the top personal finance companies in Canada for 2021 alongside Wealthsimple and CIBC Mellon",{"type":8,"value":4656,"toc":4660},[4657],[341,4658,4659],{},"This article showcases the top picks for the best Toronto based Personal Finance companies. These startups and companies are taking a variety of approaches to innovating the Personal Finance industry, but are all exceptional companies well worth a follow.",{"title":35,"searchDepth":36,"depth":37,"links":4661},[],{"uid":4663,"type":43,"date":4664,"link":4665,"author":45,"logo":4666,"cover_image":4667,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4668,"category":69},"the-daily-finance-is-recognizing-integris-as-one-of","2021-02-19","https://df.media/these-are-the-top-personal-finance-companies-in-toronto-2021/","/uploads/the-daily-finance-is-recognizing-integris-as-one-of-logo.png","/uploads/the-daily-finance-is-recognizing-integris-as-one-of-cover-image.jpg",[69,1880],"/blog/the-daily-finance-is-recognizing-integris-as-one-of",{"title":4654,"description":4659},"blog/the-daily-finance-is-recognizing-integris-as-one-of","dJcIaZi6HiVPuDxZjQz_gkcBpGGl_YTgOV-B7HP1S1I",{"id":4674,"title":4675,"body":4676,"description":35,"extension":40,"meta":4680,"navigation":49,"path":4685,"seo":4686,"stem":4687,"__hash__":4688},"blog/blog/the-finishing-line-group-publishes-article-on-ppps.md","The Finishing Line Group publishes article on PPPs",{"type":8,"value":4677,"toc":4678},[],{"title":35,"searchDepth":36,"depth":37,"links":4679},[],{"uid":4681,"type":43,"date":4682,"link":4683,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4684,"category":69},"the-finishing-line-group-publishes-article-on-ppps","2017-05-31","https://thefinishlinegroup.com/building-wealth/business-owner-wealth-planning/personal-pension-plan/",[69],"/blog/the-finishing-line-group-publishes-article-on-ppps",{"title":4675,"description":35},"blog/the-finishing-line-group-publishes-article-on-ppps","fBMIFjGsmzTLCcXLbJ1xMv5YeqistqgyLRn3bXV7Tyc",{"id":4690,"title":4691,"body":4692,"description":4696,"extension":40,"meta":4714,"navigation":49,"path":4719,"seo":4720,"stem":4721,"__hash__":4722},"blog/blog/the-integris-plan-is-based-on-the-premise-that-our.md","Protecting One's Nest-egg through INTEGRIS",{"type":8,"value":4693,"toc":4712},[4694,4697,4700,4703,4706,4709],[341,4695,4696],{},"The INTEGRIS Plan is based on the premise that our clients work hard for their money and want to ensure they will have enough stocked away when it is time to retire. To achieve that end, the INTEGRIS Plan has established a number of protective barriers around the pension plan.",[341,4698,4699],{},"Firstly, we often recommend saving through GICs (Guaranteed Income Certificate) inside the plan, to make use of the non-inclusion of capital gains for stocks available outside the pension plan. GICs do not lose their value in times of market corrections.",[341,4701,4702],{},"Secondly, all pension assets are protected from the claims of trade-creditors, thanks to pension laws. This protection is often not available to assets held inside an RRSP.",[341,4704,4705],{},"Thirdly, additional protection is derived by the fact that fees are paid by and deductible to the sponsor corporation. This allows your pension plan to grow at a higher rate compared to a typical RRSP where management fees are charged within the account, thus leading to a larger retirement pension.",[341,4707,4708],{},"Fourthly, the INTEGRIS Plan is registered and regulated by two levels of government: in Ontario, the Financial Services Commission and the Canada Revenue Agency. INTEGRIS’ role is to provide these regulators with periodic reports on the health of your pension plan, and INTEGRIS is subject to fines or imprisonment if it fails to keep your plan in full compliance with pension and tax laws. No one else in Canada provides this level of service to private sector companies in the retail market.",[341,4710,4711],{},"Finally, if your investment portfolio were to suffer setbacks and did not meet the minimum 7.5% rate of return assumption mandated by tax laws, the INTEGRIS Plan gives you the ability to make ‘top up’ payments which are also tax deductible, to ensure your pension plan is fully funded for your retirement. This ability to ensure you have enough pension assets to retire on is not available with RRSPs.",{"title":35,"searchDepth":36,"depth":37,"links":4713},[],{"uid":4715,"type":43,"date":4716,"author":45,"cover_image":4717,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4718,"category":48},"the-integris-plan-is-based-on-the-premise-that-our","2020-09-13","/uploads/the-integris-plan-is-based-on-the-premise-that-our-cover-image.jpg",[48],"/blog/the-integris-plan-is-based-on-the-premise-that-our",{"title":4691,"description":4696},"blog/the-integris-plan-is-based-on-the-premise-that-our","XcO-3PloWGV2icuquVwlANbeSN5FKuTtwMBn08mQyPU",{"id":4724,"title":4725,"body":4726,"description":4730,"extension":40,"meta":4736,"navigation":49,"path":4741,"seo":4742,"stem":4743,"__hash__":4744},"blog/blog/the-integris-risk-free-rate-of-return.md","The INTEGRIS Risk Free Rate of Return",{"type":8,"value":4727,"toc":4734},[4728,4731],[341,4729,4730],{},"Value can come from different sources. Very often, the skill of an investor will generate higher return and the value is said to be due investment management. Some call it the \"alpha\". Another source of income that is often overlooked, is the ability to reduce one's tax exposure. People contributing to RRSPs are familiar with the fact that by having reduced their taxable income (after contributing to the RRSP) the government has to issue a tax refund. The tax refund is money in one's pocket that has been achieved without any exposure to the vaguaries of the stock market.",[341,4732,4733],{},"In short, it is an internal rate of return that doesn't depend on how well one has invested. After all, your RRSP contributions could be put in guaranteed income certificate and would never lose value (unless eroded by inflation.). While all Canadians can benefit from a risk free rate of return by investing in their RRSP, those that are incorporated can achieve a higher risk-free rate of return if they save through INTEGRIS. The main is reason is that under the INTEGRIS Plan, the ability to take tax deductions is greatly enhanced and a number of deductions that are not available in an RRSP are open to clients of INTEGRIS: top up payments, deduction of fees, interest paid on borrowing etc. Obviously, if you are good at investing, or have a good advisor, you can increase your rate of return through good investment choices, unfortunately, this source of income is not typically 'risk-free' since it implies some degree of exposure to market volatility.",{"title":35,"searchDepth":36,"depth":37,"links":4735},[],{"uid":4737,"type":43,"date":4738,"author":45,"cover_image":4739,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4740,"category":48},"the-integris-risk-free-rate-of-return","2012-07-15","/uploads/the-integris-risk-free-rate-of-return-cover-image.jpg",[48],"/blog/the-integris-risk-free-rate-of-return",{"title":4725,"description":4730},"blog/the-integris-risk-free-rate-of-return","O6LEYSLWRIw8b4zGNbQ_tuQ7q8qfod4ejl3U7dj1A7o",{"id":4746,"title":4747,"body":4748,"description":35,"extension":40,"meta":4752,"navigation":49,"path":4758,"seo":4759,"stem":4760,"__hash__":4761},"blog/blog/the-ipp-vs-ppp-debate.md","When to choose the PPP® vs an IPP?",{"type":8,"value":4749,"toc":4750},[],{"title":35,"searchDepth":36,"depth":37,"links":4751},[],{"uid":4753,"type":43,"date":4754,"link":4755,"author":45,"cover_image":4756,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4757,"category":757},"the-ipp-vs-ppp-debate","2023-05-03","https://youtu.be/4JvYH6GURtw","/uploads/the-ipp-vs-ppp-debate-cover-image.jpg",[757],"/blog/the-ipp-vs-ppp-debate",{"title":4747,"description":35},"blog/the-ipp-vs-ppp-debate","P2_gS51U6FgPa-_M0Jz9OpE8JnzJoK5h9yFr1oQDVRE",{"id":4763,"title":4764,"body":4765,"description":35,"extension":40,"meta":4769,"navigation":49,"path":4774,"seo":4775,"stem":4776,"__hash__":4777},"blog/blog/the-knowledge-bureau-announces-its-continuous-education.md","The Knowledge Bureau announces its continuous education summit where use of the personal pension plan in turbulent times will be discussed",{"type":8,"value":4766,"toc":4767},[],{"title":35,"searchDepth":36,"depth":37,"links":4768},[],{"uid":4770,"type":43,"date":4771,"link":4772,"author":45,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4773,"category":69},"the-knowledge-bureau-announces-its-continuous-education","2020-05-07","https://www.knowledgebureau.com/site/KBR/the-personal-pension-plan-is-it-too-good-to-be-true",[69],"/blog/the-knowledge-bureau-announces-its-continuous-education",{"title":4764,"description":35},"blog/the-knowledge-bureau-announces-its-continuous-education","kvVvgEq0z8SSUx8sJ602tbL7CRQAx4EX7XiYsiA9_f8",{"id":4779,"title":4780,"body":4781,"description":35,"extension":40,"meta":4785,"navigation":49,"path":4791,"seo":4792,"stem":4793,"__hash__":4794},"blog/blog/the-main-benefits-of-a-personal-pension-plan-during.md","The main benefits of a Personal Pension Plan during the wealth accumulation stage",{"type":8,"value":4782,"toc":4783},[],{"title":35,"searchDepth":36,"depth":37,"links":4784},[],{"uid":4786,"type":43,"date":4787,"link":4788,"author":45,"cover_image":4789,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4790,"category":48},"the-main-benefits-of-a-personal-pension-plan-during","2022-09-16","https://youtu.be/pdIg7HFwehI","/uploads/the-main-benefits-of-a-personal-pension-plan-during-cover-image.jpg",[48],"/blog/the-main-benefits-of-a-personal-pension-plan-during",{"title":4780,"description":35},"blog/the-main-benefits-of-a-personal-pension-plan-during","2cr5NJJICMjPV6Qev6NhLDVccKiB67f196AArGobW4A",{"id":4796,"title":4797,"body":4798,"description":35,"extension":40,"meta":4802,"navigation":49,"path":4808,"seo":4809,"stem":4810,"__hash__":4811},"blog/blog/the-medical-post-featuring-dr.-lorne-porayko-discussing.md","The Medical Post featuring Dr. Lorne Porayko discussing Personal Pension Plans for Medical Professionals",{"type":8,"value":4799,"toc":4800},[],{"title":35,"searchDepth":36,"depth":37,"links":4801},[],{"uid":4803,"type":43,"date":4804,"link":4805,"author":45,"cover_image":4806,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4807,"category":757},"the-medical-post-featuring-dr.-lorne-porayko-discussing","2021-07-30","https://integris-website.cdn.prismic.io/integris-website/e5ab384c-d9dd-492b-b41e-74193dd31fe4_Complicated+but+good+Why+this+%E2%80%98mind-boggling%E2%80%99+pe%E2%80%A6.pdf","/uploads/the-medical-post-featuring-dr.-lorne-porayko-discussing-cover-image.jpg",[757],"/blog/the-medical-post-featuring-dr.-lorne-porayko-discussing",{"title":4797,"description":35},"blog/the-medical-post-featuring-dr.-lorne-porayko-discussing","1MIuJjPan_X806sAoGwJFNtPgrEWpzk339_NwaPN7A8",{"id":4813,"title":4814,"body":4815,"description":35,"extension":40,"meta":4819,"navigation":49,"path":4824,"seo":4825,"stem":4826,"__hash__":4827},"blog/blog/the-personal-pension-plan-by-mark-waxman-and-gillian-johnston-of-nfp-canada.-it-appeared-in-crowe-sobermans-2016-edition-of-tax-talk-for-health-professionals..md","The Personal Pension Plan by Mark Waxman and Gillian Johnston of NFP Canada. It appeared in Crowe Soberman’s 2016 edition of Tax Talk for Health Professionals.",{"type":8,"value":4816,"toc":4817},[],{"title":35,"searchDepth":36,"depth":37,"links":4818},[],{"uid":4820,"type":43,"date":4821,"link":4822,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4823,"category":69},"the-personal-pension-plan-by-mark-waxman-and-gillian-johnston-of-nfp-canada.-it-appeared-in-crowe-sobermans-2016-edition-of-tax-talk-for-health-professionals.","2016-04-10","https://integris-website.cdn.prismic.io/integris-website/21b8b053-ff68-42c0-8259-5841835e707c_The_Personal_Pension_Plan_NFP.pdf",[69],"/blog/the-personal-pension-plan-by-mark-waxman-and-gillian-johnston-of-nfp-canada.-it-appeared-in-crowe-sobermans-2016-edition-of-tax-talk-for-health-professionals.",{"title":4814,"description":35},"blog/the-personal-pension-plan-by-mark-waxman-and-gillian-johnston-of-nfp-canada.-it-appeared-in-crowe-sobermans-2016-edition-of-tax-talk-for-health-professionals.","MuAwqhMOKyzvUAZ1qNL08XcBJhhQ975JHtm1AOKA_PU",{"id":4829,"title":4830,"body":4831,"description":35,"extension":40,"meta":4835,"navigation":49,"path":4841,"seo":4842,"stem":4843,"__hash__":4844},"blog/blog/the-taxletter---saving-for-retirement-protect-your-future.md","The TaxLetter - saving for retirement protect your future",{"type":8,"value":4832,"toc":4833},[],{"title":35,"searchDepth":36,"depth":37,"links":4834},[],{"uid":4836,"type":43,"date":4837,"link":4838,"author":65,"cover_image":4839,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4840,"category":69},"the-taxletter---saving-for-retirement-protect-your-future","2018-04-23","https://integris-website.cdn.prismic.io/integris-website/7da129f5-a2fb-4983-9109-274ff927872f_TaxLetter+-+Saving+for+Retirement+Protect+your+Future.pdf","/uploads/the-taxletter---saving-for-retirement-protect-your-future-cover-image.jpeg",[69],"/blog/the-taxletter-saving-for-retirement-protect-your-future",{"title":4830,"description":35},"blog/the-taxletter---saving-for-retirement-protect-your-future","vYC0ZPZwDP7dsZekyo4TaqeBk-XOIwdQ-gelRLJLx3E",{"id":4846,"title":4847,"body":4848,"description":35,"extension":40,"meta":4852,"navigation":49,"path":4857,"seo":4858,"stem":4859,"__hash__":4860},"blog/blog/the-taxletter-an-uncharitable-budget-by-mark-halpern.md","The TaxLetter: An Uncharitable Budget by Mark Halpern, CEO of wealthinsurance.com mentions personal pension plan",{"type":8,"value":4849,"toc":4850},[],{"title":35,"searchDepth":36,"depth":37,"links":4851},[],{"uid":4853,"type":43,"date":4854,"link":4855,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4856,"category":69},"the-taxletter-an-uncharitable-budget-by-mark-halpern","2016-05-04","https://integris-website.cdn.prismic.io/integris-website/fe46d5ff-7104-464d-8e3a-6a7075ef6fbe_TaxLetter+-+An+UnCharitable+Budget.pdf",[69],"/blog/the-taxletter-an-uncharitable-budget-by-mark-halpern",{"title":4847,"description":35},"blog/the-taxletter-an-uncharitable-budget-by-mark-halpern","rJ9J4DGUGk0Ive-GJYVXXj8mNAonYctXfBxGng9VWpM",{"id":4862,"title":4863,"body":4864,"description":4868,"extension":40,"meta":4880,"navigation":49,"path":4885,"seo":4886,"stem":4887,"__hash__":4888},"blog/blog/this-is-too-good-to-be-true-why-hasnt-anyone-come.md","This is too good to be true...why hasn't anyone come up with this before?",{"type":8,"value":4865,"toc":4878},[4866,4869,4872,4875],[341,4867,4868],{},"First, it is important to note that the rules applicable to the INTEGRIS Plan have been around since 1991. Secondly, in Canada about 15,000 professionals and business owners currently have a plan that works along the lines of the INTEGRIS Plan. So, in effect, someone has come up with this tax-savings solution already.",[341,4870,4871],{},"The reason why INTEGRIS-like solutions are not well publicized rests in part on the complexity of pension regulation. Few people, outside of actuaries and pension lawyers, truly understand all of the intricacies of registered pension plans. Therefore, when faced with the choice between selling a simple RRSP with an upfront commission, or a complex pension plan where fees have to be earned over time, the path to follow is clear.",[341,4873,4874],{},"While pension plans offer much better tax-deferral opportunities than RRSPs, they come with a heavier regulatory burden. No one truly wants the administration headaches especially when greater profits can be achieved without taking those on. This explains why the marketing of financial institutions is aimed at RRSPs. After all, banks, insurance companies and mutual fund companies are in the business of making profits for their shareholders, not necessarily of putting your best interest first. Thus, the rules and the product has been around for over two decades, but the will to upset the way clients' interests are handled takes time.",[341,4876,4877],{},"At INTEGRIS, we make money on ensuring that your best interests are protected. It is a niche market that we want to expand.",{"title":35,"searchDepth":36,"depth":37,"links":4879},[],{"uid":4881,"type":43,"date":4882,"author":45,"cover_image":4883,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":4863,"meta_description":4868,"original_posted_date":45,"tags":4884,"category":757},"this-is-too-good-to-be-true-why-hasnt-anyone-come","2012-07-17","/uploads/this-is-too-good-to-be-true-why-hasnt-anyone-come-cover-image.jpg",[757],"/blog/this-is-too-good-to-be-true-why-hasnt-anyone-come",{"title":4863,"description":4868},"blog/this-is-too-good-to-be-true-why-hasnt-anyone-come","Ijff8a7WRpZS74NH3vayuegFpypEirMbmTASd1gw8ZA",{"id":4890,"title":4891,"body":4892,"description":35,"extension":40,"meta":4896,"navigation":49,"path":4900,"seo":4901,"stem":4902,"__hash__":4903},"blog/blog/tina-tehranchian-ma-cfp-clu-chfc-from-assante-wealth.md","Tina Tehranchian, MA, CFP, CLU, CHFC from Assante Wealth Management reminds business owners that the recent market downturn can be turned to their advantage if they upgrade to a PPP",{"type":8,"value":4893,"toc":4894},[],{"title":35,"searchDepth":36,"depth":37,"links":4895},[],{"uid":4897,"type":43,"date":4771,"link":4898,"author":45,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4899,"category":69},"tina-tehranchian-ma-cfp-clu-chfc-from-assante-wealth","https://www.youtube.com/watch?v=EOn3gZuLk0I&feature=youtu.be&ab_channel=TinaTehranchian",[69],"/blog/tina-tehranchian-ma-cfp-clu-chfc-from-assante-wealth",{"title":4891,"description":35},"blog/tina-tehranchian-ma-cfp-clu-chfc-from-assante-wealth","mDQoniv5-0A7wXqX_34UCdpjHAsJXhGMKwijMBOlB8E",{"id":4905,"title":4906,"body":4907,"description":35,"extension":40,"meta":4911,"navigation":49,"path":4917,"seo":4918,"stem":4919,"__hash__":4920},"blog/blog/top-toronto-based-financial-advisory-firm-rubach-wealth.md","Top Toronto-based financial advisory firm Rubach Wealth reminds the financial world that entrepreneurs need to know about PPPs and RCAs.",{"type":8,"value":4908,"toc":4909},[],{"title":35,"searchDepth":36,"depth":37,"links":4910},[],{"uid":4912,"type":43,"date":4913,"link":4914,"author":45,"cover_image":4915,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4916,"category":757},"top-toronto-based-financial-advisory-firm-rubach-wealth","2023-02-27","https://www.rubachwealth.com/beyond-rrsps-could-you-be-missing-out-on-the-benefits-of-a-ppp-and-rca","/uploads/top-toronto-based-financial-advisory-firm-rubach-wealth-cover-image.jpg",[757],"/blog/top-toronto-based-financial-advisory-firm-rubach-wealth",{"title":4906,"description":35},"blog/top-toronto-based-financial-advisory-firm-rubach-wealth","x2tEHcqRVwnBJ74BVeOiCCyeC_7egMbK8UyKqte-hjo",{"id":4922,"title":4923,"body":4924,"description":35,"extension":40,"meta":4928,"navigation":49,"path":4933,"seo":4934,"stem":4935,"__hash__":4936},"blog/blog/topi--p.i.g-pdf.md","TOPI & P.I.G [pdf]",{"type":8,"value":4925,"toc":4926},[],{"title":35,"searchDepth":36,"depth":37,"links":4927},[],{"uid":4929,"type":43,"date":1056,"link":4930,"author":45,"cover_image":4931,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4932},"topi--p.i.g-pdf","https://www.dropbox.com/s/031ktdnb27e1vos/Protecting%20oneself%20from%20TPOI%20and%20PIG%20%28ver%202%29.pdf?dl=0","/uploads/topi--p.i.g-pdf-cover-image.jpg",[658],"/blog/topi-p.i.g-pdf",{"title":4923,"description":35},"blog/topi--p.i.g-pdf","y8ofdQGVVKs_kNwrkTWpDYOKLDE9V3z4e4ztPzKkeJ4",{"id":4938,"title":4939,"body":4940,"description":35,"extension":40,"meta":4944,"navigation":49,"path":4950,"seo":4951,"stem":4952,"__hash__":4953},"blog/blog/toronto-accounting-firm-mp-group-cpa-provides-information.md","Toronto accounting firm MP Group CPA provides information on PPPs on their website",{"type":8,"value":4941,"toc":4942},[],{"title":35,"searchDepth":36,"depth":37,"links":4943},[],{"uid":4945,"type":43,"date":4946,"link":4947,"author":45,"cover_image":4948,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4949,"category":69},"toronto-accounting-firm-mp-group-cpa-provides-information","2020-05-06","https://mpgroupcpa.com/post/using-a-personal-pension-plan-ppp-as-a-tax-planning-strategy/","/uploads/toronto-accounting-firm-mp-group-cpa-provides-information-cover-image.png",[69],"/blog/toronto-accounting-firm-mp-group-cpa-provides-information",{"title":4939,"description":35},"blog/toronto-accounting-firm-mp-group-cpa-provides-information","TMhSSQ94mNggecfSnn_JV9_VZ6EfBlEaMhhfLy_F8W8",{"id":4955,"title":4956,"body":4957,"description":35,"extension":40,"meta":4961,"navigation":49,"path":4966,"seo":4967,"stem":4968,"__hash__":4969},"blog/blog/toronto-based-portfolio-management-firm-macnicol-.md","Toronto-based portfolio management firm Macnicol & Associates Asset Management Inc. hosted a webinar on personal pension plans. (duration 1 hour)",{"type":8,"value":4958,"toc":4959},[],{"title":35,"searchDepth":36,"depth":37,"links":4960},[],{"uid":4962,"type":43,"date":4409,"link":4963,"author":45,"cover_image":4964,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4965,"category":69},"toronto-based-portfolio-management-firm-macnicol-","https://www.macnicolasset.com/webinar-personal-pension-plan-2020/","/uploads/toronto-based-portfolio-management-firm-macnicol--cover-image.png",[69],"/blog/toronto-based-portfolio-management-firm-macnicol",{"title":4956,"description":35},"blog/toronto-based-portfolio-management-firm-macnicol-","8_DLituNpC-jYAMAsGhktUNgScB0CGlI26dmNyb19nE",{"id":4971,"title":4972,"body":4973,"description":35,"extension":40,"meta":4977,"navigation":49,"path":4983,"seo":4984,"stem":4985,"__hash__":4986},"blog/blog/toronto-estate-lawyer-ian-hull-and-integris-pension.md","Toronto estate lawyer Ian Hull and Integris Pension Management Corp. CEO Jean-Pierre Laporte discuss inter-generational wealth transfers.",{"type":8,"value":4974,"toc":4975},[],{"title":35,"searchDepth":36,"depth":37,"links":4976},[],{"uid":4978,"type":43,"date":4979,"link":4980,"author":65,"cover_image":4981,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4982,"category":69},"toronto-estate-lawyer-ian-hull-and-integris-pension","2017-07-28","https://integris-website.cdn.prismic.io/integris-website/c8766c77-42f4-49c1-bc73-9c0cca85471c_AdvocateDaily+-+Article+8+-+Intergenerational+wealth+transfer_+keys+for+success.pdf","/uploads/toronto-estate-lawyer-ian-hull-and-integris-pension-cover-image.png",[69],"/blog/toronto-estate-lawyer-ian-hull-and-integris-pension",{"title":4972,"description":35},"blog/toronto-estate-lawyer-ian-hull-and-integris-pension","0SK5YuaZ6bJPBMQAojMhJP-HDvDcmhVqFSWNnHDCHuY",{"id":4988,"title":4989,"body":4990,"description":35,"extension":40,"meta":4994,"navigation":49,"path":5000,"seo":5001,"stem":5002,"__hash__":5003},"blog/blog/toronto-star-business-columnist-adam-mayers-discussed-pensions-with-integris-chief-strategy-officer-gavin-graham.md","Toronto Star business columnist Adam Mayers discussed pensions with Integris chief strategy officer, Gavin Graham",{"type":8,"value":4991,"toc":4992},[],{"title":35,"searchDepth":36,"depth":37,"links":4993},[],{"uid":4995,"type":43,"date":4996,"link":4997,"author":65,"cover_image":4998,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":4999,"category":69},"toronto-star-business-columnist-adam-mayers-discussed-pensions-with-integris-chief-strategy-officer-gavin-graham","2016-03-08","https://www.thestar.com/business/personal_finance/investing/2016/03/07/why-the-cpp-is-snapping-up-ports-and-dorms-mayers.html","/uploads/toronto-star-business-columnist-adam-mayers-discussed-pensions-with-integris-chief-strategy-officer-gavin-graham-cover-image.png",[69],"/blog/toronto-star-business-columnist-adam-mayers-discussed-pensions-with-integris-chief-strategy-officer-gavin-graham",{"title":4989,"description":35},"blog/toronto-star-business-columnist-adam-mayers-discussed-pensions-with-integris-chief-strategy-officer-gavin-graham","ctYWvP8JHnbBm1pX5tMU2pkP7DKlC6S5l9BjrkTJ10o",{"id":5005,"title":5006,"body":5007,"description":35,"extension":40,"meta":5011,"navigation":49,"path":5017,"seo":5018,"stem":5019,"__hash__":5020},"blog/blog/understanding-the-personal-pension-plan-the-top-5.md","Understanding the Personal Pension Plan: The Top 5 Reasons Why Every Business Owner Needs to Consider a PPP®",{"type":8,"value":5008,"toc":5009},[],{"title":35,"searchDepth":36,"depth":37,"links":5010},[],{"uid":5012,"type":43,"date":2374,"link":5013,"author":45,"cover_image":5014,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":5006,"meta_description":5015,"original_posted_date":45,"tags":5016,"category":69},"understanding-the-personal-pension-plan-the-top-5","https://vexxitbusiness.com/taxation/understanding-the-personal-pension-plan-the-top-5-reasons-why-every-business","/uploads/understanding-the-personal-pension-plan-the-top-5-cover-image.png","Personal Pension Plans (PPP) are transforming the way business owners and incorporated professionals save for retirement. The PPP® is a Canadian tax-savings solution for business owners and incorporated professionals who are looking for a better way to save more for retirement.",[69],"/blog/understanding-the-personal-pension-plan-the-top-5",{"title":5006,"description":35},"blog/understanding-the-personal-pension-plan-the-top-5","908pTW1A2ENFYUPu6HyHyOYt0wuSQCjoqMQ093VjTZ0",{"id":5022,"title":5023,"body":5024,"description":5028,"extension":40,"meta":5055,"navigation":49,"path":5060,"seo":5061,"stem":5062,"__hash__":5063},"blog/blog/understanding-the-power-of-additional-voluntary-contributions.md","Understanding the Power of Additional Voluntary Contributions",{"type":8,"value":5025,"toc":5053},[5026,5029,5031,5034,5041,5044,5046,5048],[341,5027,5028],{},"The INTEGRIS Personal Pension Plan is a collection of three distinct subaccounts (defined benefit (\"DB\"), defined contribution (\"DC\"), and additional voluntary contributions or \"AVC\").",[341,5030,1451],{},[341,5032,5033],{},"This employee contribution has the effect of reducing personal income taxes owed since it is an employee contribution. Someone paying at a marginal tax rate of 45% and contribution to the PPP would receive a tax refund of $45 for every $100 made to the pension plan's AVC account.",[341,5035,5036,5037,5040],{},"The AVC account serves another purpose: to receive RRSP assets held at other financial institutions. Because the RRSP annuitant received tax assistance when he or she contributed to the RRSP, a transfer of RRSP assets into the AVC account does not trigger any new deductions",[2349,5038,5039],{},"1",". However, once RRSP assets enter the PPP, they are for all purposes treated as pension monies and subjected to any applicable provincial pension legislation. In a number of provinces, assets held in the AVC account, therefore, trade creditor-protected.",[341,5042,5043],{},"The other consequence is that since voluntary contributions (and RRSP transfers) are not used to purchase past service under the plan's DB component, they are not subject to provincial locking-in rules and can be withdrawn from the pension plan prior to retirement age. A transfer to another RRSP can take place by using a CRA Form T2151.",[341,5045,1463],{},[341,5047,1466],{},[341,5049,5050,5052],{},[2349,5051,5039],{},"A registered plan to registered plan transfer can occur using a CRA Form T2033.",{"title":35,"searchDepth":36,"depth":37,"links":5054},[],{"uid":5056,"type":43,"date":5057,"author":45,"cover_image":5058,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5059,"category":48},"understanding-the-power-of-additional-voluntary-contributions","2014-09-13","/uploads/understanding-the-power-of-additional-voluntary-contributions-cover-image.jpg",[48],"/blog/understanding-the-power-of-additional-voluntary-contributions",{"title":5023,"description":5028},"blog/understanding-the-power-of-additional-voluntary-contributions","-XrxgD6_hbO9_Z_P_3OJP1TINGljsmEoVdrJrtvDmAQ",{"id":5065,"title":5066,"body":5067,"description":35,"extension":40,"meta":5071,"navigation":49,"path":5076,"seo":5077,"stem":5078,"__hash__":5079},"blog/blog/use-of-insurance-from-risk-to-wealth.md","Use of Insurance: From Risk to Wealth",{"type":8,"value":5068,"toc":5069},[],{"title":35,"searchDepth":36,"depth":37,"links":5070},[],{"uid":5072,"type":43,"date":1969,"link":5073,"author":45,"cover_image":5074,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5075},"use-of-insurance-from-risk-to-wealth","https://youtu.be/Lu_H6xc9BUk","/uploads/use-of-insurance-from-risk-to-wealth-cover-image.jpg",[658,1973],"/blog/use-of-insurance-from-risk-to-wealth",{"title":5066,"description":35},"blog/use-of-insurance-from-risk-to-wealth","CsUKgYD6yuhcxWhLNddC_URuUzNBIp0ZPf93Fzmtvuk",{"id":5081,"title":5082,"body":5083,"description":35,"extension":40,"meta":5087,"navigation":49,"path":5092,"seo":5093,"stem":5094,"__hash__":5095},"blog/blog/use-of-insurance-pdf.md","Use of Insurance [pdf]",{"type":8,"value":5084,"toc":5085},[],{"title":35,"searchDepth":36,"depth":37,"links":5086},[],{"uid":5088,"type":43,"date":1056,"link":5089,"author":45,"cover_image":5090,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5091},"use-of-insurance-pdf","https://www.dropbox.com/s/crdgblsuz45k00f/Physcian%20presentation%20%282.0%29.pdf?dl=0","/uploads/use-of-insurance-pdf-cover-image.jpg",[658],"/blog/use-of-insurance-pdf",{"title":5082,"description":35},"blog/use-of-insurance-pdf","v-2_8JA_IAlSEDdKKR0kM1_a_Ek7N6CDAXcGwATal0k",{"id":5097,"title":5098,"body":5099,"description":35,"extension":40,"meta":5103,"navigation":49,"path":5109,"seo":5110,"stem":5111,"__hash__":5112},"blog/blog/veteran-financial-commentator-gordon-pape-features-the-tax-advantages-of-the-ppp-in-the-globe-and-mail.md","Veteran Financial commentator Gordon Pape features the tax advantages of the PPP in The Globe and Mail",{"type":8,"value":5100,"toc":5101},[],{"title":35,"searchDepth":36,"depth":37,"links":5102},[],{"uid":5104,"type":43,"date":5105,"link":5106,"author":65,"cover_image":5107,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5108,"category":69},"veteran-financial-commentator-gordon-pape-features-the-tax-advantages-of-the-ppp-in-the-globe-and-mail","2017-09-26","https://integris-website.cdn.prismic.io/integris-website/ebc75f06-8fb3-45b1-968c-f7f881738647_A+tax+break+that%E2%80%99s+not+on+the+hit+list+-+The+Globe+and+Mail.pdf","/uploads/veteran-financial-commentator-gordon-pape-features-the-tax-advantages-of-the-ppp-in-the-globe-and-mail-cover-image.jpeg",[69],"/blog/veteran-financial-commentator-gordon-pape-features-the-tax-advantages-of-the-ppp-in-the-globe-and-mail",{"title":5098,"description":35},"blog/veteran-financial-commentator-gordon-pape-features-the-tax-advantages-of-the-ppp-in-the-globe-and-mail","4FtnJFfUeG6hPK_jaMcmt3eSmA-25R-jzbs9oAAxZu0",{"id":5114,"title":5115,"body":5116,"description":35,"extension":40,"meta":5120,"navigation":49,"path":5126,"seo":5127,"stem":5128,"__hash__":5129},"blog/blog/wealth-insurance-describes-the-inter-generational-tax-deferral-possible-with-ppps-in-its-may-2017-taxletter..md","Wealth Insurance describes the inter-generational tax deferral possible with PPPs in its may 2017 TaxLetter",{"type":8,"value":5117,"toc":5118},[],{"title":35,"searchDepth":36,"depth":37,"links":5119},[],{"uid":5121,"type":43,"date":5122,"link":5123,"author":65,"cover_image":5124,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5125,"category":69},"wealth-insurance-describes-the-inter-generational-tax-deferral-possible-with-ppps-in-its-may-2017-taxletter.","2017-05-17","https://integris-website.cdn.prismic.io/integris-website/1bd4a2bc-2c15-4b58-97d8-27ed2a28f471_TaxLetter+-+Your+Estate+Plan_+Take+Control.pdf","/uploads/wealth-insurance-describes-the-inter-generational-tax-deferral-possible-with-ppps-in-its-may-2017-taxletter.-cover-image.jpeg",[69],"/blog/wealth-insurance-describes-the-inter-generational-tax-deferral-possible-with-ppps-in-its-may-2017-taxletter.",{"title":5115,"description":35},"blog/wealth-insurance-describes-the-inter-generational-tax-deferral-possible-with-ppps-in-its-may-2017-taxletter.","PLYF5S1yNmpr9azIALvImIL_vnCvQfgAjMGi-N_YyFU",{"id":5131,"title":5132,"body":5133,"description":35,"extension":40,"meta":5137,"navigation":49,"path":5143,"seo":5144,"stem":5145,"__hash__":5146},"blog/blog/wealth-professional-article-reminds-advisors-of-the-money-being-left-on-the-table-by-their-rrsp-clients..md","Wealth Professional article reminds advisors of the money being \"left on the table\" by their RRSP clients",{"type":8,"value":5134,"toc":5135},[],{"title":35,"searchDepth":36,"depth":37,"links":5136},[],{"uid":5138,"type":43,"date":5139,"link":5140,"author":65,"cover_image":5141,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5142,"category":69},"wealth-professional-article-reminds-advisors-of-the-money-being-left-on-the-table-by-their-rrsp-clients.","2018-03-02","https://www.wealthprofessional.ca/news/features/are-you-missing-out-on-untapped-potential-of-ppps/238538","/uploads/wealth-professional-article-reminds-advisors-of-the-money-being-left-on-the-table-by-their-rrsp-clients.-cover-image.jpeg",[69],"/blog/wealth-professional-article-reminds-advisors-of-the-money-being-left-on-the-table-by-their-rrsp-clients.",{"title":5132,"description":35},"blog/wealth-professional-article-reminds-advisors-of-the-money-being-left-on-the-table-by-their-rrsp-clients.","M77xbmEBv0lNnv-VVEuo0bpN2aHcD9xNTpj8EDGmefs",{"id":5148,"title":5149,"body":5150,"description":35,"extension":40,"meta":5154,"navigation":49,"path":5160,"seo":5161,"stem":5162,"__hash__":5163},"blog/blog/webinar-minimize-taxes-and-optimize-your-portfolio.md","Webinar: How to utilize a Personal Pension Plan to minimize taxes and optimize your portfolio",{"type":8,"value":5151,"toc":5152},[],{"title":35,"searchDepth":36,"depth":37,"links":5153},[],{"uid":5155,"type":43,"date":5156,"link":5157,"author":45,"cover_image":5158,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5159,"category":757},"webinar-minimize-taxes-and-optimize-your-portfolio","2022-09-15","https://teams.microsoft.com/registration/4XKw1eewtkS10Kq_1IGfoA,dfx6BhO2kEK1ed0M6V1eOA,rSh2SHCZ6kKImUMfQ8BPZw,bJ40wmGPs0Sw0j1k9s0M5g,3UPjPRIJz0-_hXv6rg5RLg,wb3-WAMTAEiJIaGH3wueSQ?mode=read&tenantId=d5b072e1-b0e7-44b6-b5d0-aabfd4819fa0","/uploads/webinar-minimize-taxes-and-optimize-your-portfolio-cover-image.png",[757],"/blog/webinar-minimize-taxes-and-optimize-your-portfolio",{"title":5149,"description":35},"blog/webinar-minimize-taxes-and-optimize-your-portfolio","DEl71OvGbTZ4q762N0EG-CxA8hUwCmm8djIvTI5C6ZE",{"id":5165,"title":5166,"body":5167,"description":35,"extension":40,"meta":5171,"navigation":49,"path":5176,"seo":5177,"stem":5178,"__hash__":5179},"blog/blog/what-historical-volatility-can-tell-us-about-potential-future-market-outcomes..md","What historical volatility can tell us about potential future market outcomes",{"type":8,"value":5168,"toc":5169},[],{"title":35,"searchDepth":36,"depth":37,"links":5170},[],{"uid":5172,"type":43,"date":5173,"link":5174,"author":65,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5175,"category":69},"what-historical-volatility-can-tell-us-about-potential-future-market-outcomes.","2017-10-02","https://integris-website.cdn.prismic.io/integris-website/45efb2d1-59f1-4a12-9401-4fe02359d1e1_FundLibrary+Article+09302017.pdf",[69],"/blog/what-historical-volatility-can-tell-us-about-potential-future-market-outcomes.",{"title":5166,"description":35},"blog/what-historical-volatility-can-tell-us-about-potential-future-market-outcomes.","3E4nzBffnHKaTlZUzZt9ZJbRMll6gL6-XwK8XBFqEGw",{"id":5181,"title":5182,"body":5183,"description":35,"extension":40,"meta":5187,"navigation":49,"path":5193,"seo":5194,"stem":5195,"__hash__":5196},"blog/blog/what-is-a-ppp-ideal-for-incorporated-business-owners.md","What is a PPP? Ideal for incorporated business owners, franchises, and professionals",{"type":8,"value":5184,"toc":5185},[],{"title":35,"searchDepth":36,"depth":37,"links":5186},[],{"uid":5188,"type":43,"date":5189,"link":5190,"author":45,"cover_image":5191,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5192,"category":757},"what-is-a-ppp-ideal-for-incorporated-business-owners","2023-04-27","https://fivefoldfinancial.ca/what-is-a-ppp-personal-pension-plan-ideal-for-incorporated-business-owners-franchises-and-professionals/","/uploads/what-is-a-ppp-ideal-for-incorporated-business-owners-cover-image.jpg",[757],"/blog/what-is-a-ppp-ideal-for-incorporated-business-owners",{"title":5182,"description":35},"blog/what-is-a-ppp-ideal-for-incorporated-business-owners","mfkKHXFdtUf4_Qft6AjvWxbb8DN0PHvzezkIOpD4t3s",{"id":5198,"title":5199,"body":5200,"description":5204,"extension":40,"meta":5244,"navigation":49,"path":5249,"seo":5250,"stem":5251,"__hash__":5252},"blog/blog/what-is-fiduciary-oversight-and-why-is-it-important.md","What is fiduciary oversight and why is it important?",{"type":8,"value":5201,"toc":5242},[5202,5205,5208,5211,5228,5231],[341,5203,5204],{},"A \"fiduciary\" is a person who has undertaken to act for another in a particular matter in circumstances which give rise to a relationship of trust and confidence.*",[341,5206,5207],{},"By definition, INTEGRIS is a fiduciary of its clients as a result of the Pension Benefits Act. Fiduciaries are held to the highest standard of care known under the law. They must be loyal, not put personal interests ahead of their clients and not profit from this relationship unless the clients consent ahead of time.",[341,5209,5210],{},"In practical terms, and in the specific context of a personal pension plan, the fact that INTEGRIS is a fiduciary provides clients with the following advantages:",[16,5212,5213,5216,5219,5222,5225],{},[19,5214,5215],{},"INTEGRIS negotiates fee reductions from service providers associated with the personal pension plan. Group discounts are passed on to individual clients.",[19,5217,5218],{},"Fees charged by INTEGRIS are capped.",[19,5220,5221],{},"INTEGRIS puts the services of its Chief Strategy Officer, Chief Compliance Officer and Pension Officers to the client’s and advisor’s disposal to handle any issues that might arise. This relieves investment advisors of the burden of becoming expert in the pension field and thus provides protection from errors and omissions.",[19,5223,5224],{},"INTEGRIS acts as the ombudsman of the client when issues or difficulties are encountered with service providers.",[19,5226,5227],{},"INTEGRIS follows a policy of complete transparency with respect to fees and administrative decisions by giving clients 24/7 access to all records of the plan.",[341,5229,5230],{},"While many companies in the financial sector use trust as a marketing tool, in the case of INTEGRIS, acting in the best interest of our client is part of our DNA.",[341,5232,5233,5234,5237,5238,5241],{},"*Bristol and West Building Society v. Mothew ",[2349,5235,5236],{},"1996"," EWCA Civ 533, ",[2349,5239,5240],{},"1998"," Ch 1 (24 July 1996) per Lord Millett",{"title":35,"searchDepth":36,"depth":37,"links":5243},[],{"uid":5245,"type":43,"date":5246,"author":45,"cover_image":5247,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5248,"category":48},"what-is-fiduciary-oversight-and-why-is-it-important","2013-09-23","/uploads/what-is-fiduciary-oversight-and-why-is-it-important-cover-image.jpg",[48],"/blog/what-is-fiduciary-oversight-and-why-is-it-important",{"title":5199,"description":5204},"blog/what-is-fiduciary-oversight-and-why-is-it-important","QBAlFjVuN4M81OB83E_EKLmQTeElJchEjuTbQRdL0Fw",{"id":5254,"title":5255,"body":5256,"description":5260,"extension":40,"meta":5424,"navigation":49,"path":5430,"seo":5431,"stem":5432,"__hash__":5433},"blog/blog/whats-taxed-and-whats-not--canadian-government-assistance1.md","What’s taxed and what’s not – Canadian Government Assistance Programs",{"type":8,"value":5257,"toc":5422},[5258,5261,5264,5277,5285,5287,5290,5293,5296,5304,5307,5310,5313,5316,5319,5322,5325,5330,5333,5338,5341,5344,5347,5350,5353,5356,5359,5362,5365,5368,5371,5374,5377,5380,5383,5386,5389,5392,5395,5398,5405,5408],[341,5259,5260],{},"INTEGRIS Pension Management Corp. has developed many business relationships with firms in the Canadian financial services industry over the past 8 years. Some are large investment management firms, insurance companies or accounting firms. Sometimes we come across niche service providers that fill a particular need for our clients outside of our core area of expertise.",[341,5262,5263],{},"We are pleased to reproduce an article from JCIC Asset Management, an employee-owned boutique firm that provides investment management services to individuals, families, estates, trusts, personal corporations and private foundations for the last 27 years. What we like most about this firm is that their employees and partners invest their own money in the same portfolio models as their clients. We can't think of a better way for building client trust and interest alignment.",[341,5265,5266,5267,5271,5272,5276],{},"Readers of the guest article below are encouraged to ask questions by emailing either Steve MacCulloch, President and CEO ",[354,5268,5270],{"href":5269},"mailto:smacculloch@jcic.ca","smacculloch@jcic.ca"," or Douglas Jones, Chairman ",[354,5273,5275],{"href":5274},"mailto:djones@jcic.ca","djones@jcic.ca",".",[341,5278,5279,5280,5284],{},"Alternatively, you may visit ",[354,5281,5283],{"rel":5282},[1238],"www.jcic.ca to"," learn more about JCIC services.",[341,5286,3628],{},[341,5288,5289],{},"Amid the COVID-19 outbreak, many Canadians are being impacted financially. While the government has provided some relief with different assistance packages, I would like to take this chance to review some of these measures and the relevant tax treatment.",[341,5291,5292],{},"Income replacement and supplements",[341,5294,5295],{},"There are two wage subsidies:",[16,5297,5298,5301],{},[19,5299,5300],{},"Temporary Wage Subsidy for Employers",[19,5302,5303],{},"Canada Emergency Wage Subsidy (CEWS)",[341,5305,5306],{}," \nThese subsidies provide employers with help to keep eligible employees on their payrolls. The subsidies are available for up to 3 months and 12 weeks.",[341,5308,5309],{},"Canada Emergency Response Benefit (CERB)",[341,5311,5312],{},"CERB replaces the short-lived emergency Support Benefit and Emergency Care Benefit and provides $2,000 every 4 weeks, for up to 16 weeks, to those who lost their income due to the COVID-19 pandemic.",[341,5314,5315],{},"Both wage subsidies and CERB are taxable. The wage subsidies are taxable to the employer. Under the wage subsidies, employees continue to collect pay from their employers with source deductions (income tax, CPP, EI, etc.). On the other hand, the CERB benefit will be paid directly to the recipient by the government and won’t have source deductions.",[341,5317,5318],{},"It is important to note that individuals receiving pay from their employers who are receiving the CEWS cannot collect payment from the CERB program. This is intended to prevent duplication of benefits received.",[341,5320,5321],{},"Tax-Free Benefits",[341,5323,5324],{},"Two sources of one time, tax-free payments are:",[16,5326,5327],{},[19,5328,5329],{},"GST/HST credit:",[341,5331,5332],{},"The GST/HST credit is a quarterly payment that helps low- and modest-income households offset some or all their GST/HST. A one-time special payment, starting on April 9, will be paid to eligible recipients. This payment will provide an average increase of roughly $400 for individuals and $600 for couples.",[16,5334,5335],{},[19,5336,5337],{},"Canada child benefit (CCB):",[341,5339,5340],{},"Recipients will receive an extra $300 for each child on their May 2020 payment.",[341,5342,5343],{},"Support for seniors:",[341,5345,5346],{},"OAS and GIS: \nThe government has announced one-time, tax-free top ups to old age security (OAS) and guaranteed income supplement (GIS) recipients. OAS recipients will receive $300 and GIS recipients will receive $200.",[341,5348,5349],{},"RRIF Payments:\nThe minimum withdrawal rate for those who are receiving RRIF payment has dropped by 25% for 2020. It’s important to note that the taxation of RRIF income hasn’t changed. The required withholding tax at source won’t apply until RRIF payments exceed the original RRIF minimum.",[341,5351,5352],{},"Individual who has withdrawn RRIF payment amounts exceeding the reduced minimum will not be allowed to recontribute the excess amount withdrawn. ",[341,5354,5355],{},"Support for Students:",[341,5357,5358],{},"Canada Emergency Student Benefit (CESB)\nThe federal government has announced a program that will give monthly payments of $1,250 to post-secondary students whose education and job prospects are disrupted by COVID-19.",[341,5360,5361],{},"These payments will run from May through August.",[341,5363,5364],{},"The benefit can increase to $2,000 for people with disabilities or who care for others.\nCanada Student Service Grant (CSSG)",[341,5366,5367],{},"If you’re a student who chooses to serve your community, the CSSG will provide up to $5,000 for your education in the fall. ",[341,5369,5370],{},"Where these benefits are taxable, many students won’t face tax since they have the federal basic personal tax credit to offset tax on the first $13,229 (in 2020) of income, plus tuition tax credits.",[341,5372,5373],{},"For students who have student loans, there’ll be an interest-free moratorium on repayment for all student loan borrowers until September 30, 2020. This includes those received under the Canada Student Loans Act, Canada Student Financial Assistance Act, and the Apprentice Loans Act. During this time, no payments are required and interest won’t accrue. On such loans, interest paid in the current year or previous five years can be claimed as a tax credit. Since no interest will be paid during this period, the tax credit won’t be increased.",[341,5375,5376],{},"The deadline to file your personal tax return for the 2019 tax year was June 1, 2020. Tax owed is due by September 1, 2020. Keep in mind that you can file your tax return and pay any tax balance owing separately and at different times.",[341,5378,5379],{},"Bigger not always better",[341,5381,5382],{},"JCIC Asset Management is an employee-owned boutique firm established in 1993 to provide investment management services to individuals, families, estates, trusts, personal corporations, and private foundations. Strong client relationships are the focal point around which all activities take place. JCIC believes that only by knowing clients well can we truly appreciate client needs, concerns and aspirations. This understanding forms the foundation of a long-term relationship based on trust. To build further alignment on this foundation of trust, employees and partners invest their own money in the same portfolio models as their clients.",[341,5384,5385],{},"JCIC offers both balanced and equity portfolios with an emphasis on protecting and growing wealth to help our clients achieve their goals. As an independent firm, JCIC offers objectivity and the ability to deliver customized service to their clients. Personal Financial Planning is available for clients at no charge.",[341,5387,5388],{},"Unique Value Proposition",[341,5390,5391],{},"Boutique Investment Firm: JCIC’s boutique size allows for tailored service and the ability to be nimble in market positioning. With two Certified Financial Planners on board, we offer free assessments of a client’s unique investment objectives and goals. Every relationship is important to the firm. Clients can expect a high level of service from dedicated relationship managers.",[341,5393,5394],{},"Global Perspective: JCIC complements its personalized service with a global investment reach. Its experienced portfolio management team has specialists in Canadian, U.S., and international equities which lets it invest in the best regional opportunities from around the globe. JCIC’s investment professionals take a holistic view of the entire portfolio to deliver strategic exposure to different industry sectors and global regions, providing diversification that helps its clients grow and protect their wealth.",[341,5396,5397],{},"Research-Focused with Active Asset Allocation: JCIC pairs the best qualities of top-down and bottom-up investment approaches by combining deep individual company research with active asset allocation. The firm believes that capital preservation and strong risk-adjusted returns are generated by managing asset allocation and choosing high quality securities at attractive valuations. JCIC’s core objective is to deliver superior results for clients by holding high quality securities over the long term and creating well-balanced portfolios that can help build and preserve wealth throughout different market cycles.",[341,5399,5400,5401,5276],{},"Our quarterly newsletter is available on our website ",[354,5402,5404],{"rel":5403},[1238],"www.jcic.ca under Ideas",[341,5406,5407],{},"Should you have any questions, please do not hesitate to reach out to:",[531,5409,5410,5416],{},[19,5411,5412,5413,5415],{},"Steve MacCulloch, President and CEO ",[354,5414,5270],{"href":5269}," | 416-366-1122 ext. 235",[19,5417,5418,5419,5421],{},"Douglas Jones, Chairman ",[354,5420,5275],{"href":5274}," | 416-366-1122 ext. 224",{"title":35,"searchDepth":36,"depth":37,"links":5423},[],{"uid":5425,"type":43,"date":5426,"author":5427,"cover_image":5428,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5429},"whats-taxed-and-whats-not--canadian-government-assistance1","2020-06-10","Godfrey Yu, Certified Financial Planner","/uploads/whats-taxed-and-whats-not--canadian-government-assistance1-cover-image.jpg",[],"/blog/whats-taxed-and-whats-not-canadian-government-assistance1",{"title":5255,"description":5260},"blog/whats-taxed-and-whats-not--canadian-government-assistance1","3cZumFDDb2DnvYOEgGXOqRV7fB6lP0XLaJZa9sSrQ3M",{"id":5435,"title":5436,"body":5437,"description":5441,"extension":40,"meta":5450,"navigation":49,"path":5455,"seo":5456,"stem":5457,"__hash__":5458},"blog/blog/why-integris-is-not-a-prpp-pooled-registered-pension.md","Why INTEGRIS is not a PRPP (Pooled Registered Pension Plan)?",{"type":8,"value":5438,"toc":5448},[5439,5442,5445],[341,5440,5441],{},"The federal government has recently adopted legislation creating yet another new type of pension vehicle, the Pooled Registered Pension Plan.",[341,5443,5444],{},"INTEGRIS is NOT a PRPP. PRPPs are basically a locked-in RRSP invested by plan members. Under a PRPP the employer does not have any obligation to contribute.",[341,5446,5447],{},"The tax limits under the PRPP are the same as those applicable to RRSPs (in other words, inferior to those applicable to INTEGRIS.) Moreover, in the event of a decline in stock markets, there is no ability under a PRPP to make additional tax-deductible contributions to replenish the pension fund - INTEGRIS does. PRPPs are designed to assist small companies with modestly-paid employees who have not been saving for retirement through a tax-assisted plan. On the other hand, INTEGRIS is built for owner-operators and incorporated professionals who need a robust pension comparable to the pensions paid to teachers and civil servants.",{"title":35,"searchDepth":36,"depth":37,"links":5449},[],{"uid":5451,"type":43,"date":5452,"author":45,"cover_image":5453,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5454,"category":48},"why-integris-is-not-a-prpp-pooled-registered-pension","2012-08-08","/uploads/why-integris-is-not-a-prpp-pooled-registered-pension-cover-image.jpg",[48],"/blog/why-integris-is-not-a-prpp-pooled-registered-pension",{"title":5436,"description":5441},"blog/why-integris-is-not-a-prpp-pooled-registered-pension","dC_1So9iaLpIk2WvKj0BYnPD9TISdRE837toL3YW6ms",{"id":5460,"title":5461,"body":5462,"description":35,"extension":40,"meta":5466,"navigation":49,"path":5472,"seo":5473,"stem":5474,"__hash__":5475},"blog/blog/why-pension-plan-could-be-a-lifeline-for-high-net-worth.md","Why pension plan could be a lifeline for high-net-worth families",{"type":8,"value":5463,"toc":5464},[],{"title":35,"searchDepth":36,"depth":37,"links":5465},[],{"uid":5467,"type":43,"date":5468,"link":5469,"author":45,"cover_image":5470,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5471,"category":757},"why-pension-plan-could-be-a-lifeline-for-high-net-worth","2023-09-07","https://www.benefitsandpensionsmonitor.com/news/industry-news/why-pension-plan-could-be-a-lifeline-for-high-net-worth-families/379401","/uploads/why-pension-plan-could-be-a-lifeline-for-high-net-worth-cover-image.webp",[757,658],"/blog/why-pension-plan-could-be-a-lifeline-for-high-net-worth",{"title":5461,"description":35},"blog/why-pension-plan-could-be-a-lifeline-for-high-net-worth","O5CTqE7FTjXivNkY2XEfmy0Uo7L-hrcR78ORWc8IoHU",{"id":5477,"title":5478,"body":5479,"description":35,"extension":40,"meta":5483,"navigation":49,"path":5488,"seo":5489,"stem":5490,"__hash__":5491},"blog/blog/why-should-a-small-business-owner-create-a-personal.md","Why should a small business owner create a Personal Pension Plan?",{"type":8,"value":5480,"toc":5481},[],{"title":35,"searchDepth":36,"depth":37,"links":5482},[],{"uid":5484,"type":43,"date":1260,"link":5485,"author":45,"cover_image":5486,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5487,"category":757},"why-should-a-small-business-owner-create-a-personal","https://youtu.be/Lplj01on--4","/uploads/why-should-a-small-business-owner-create-a-personal-cover-image.webp",[757],"/blog/why-should-a-small-business-owner-create-a-personal",{"title":5478,"description":35},"blog/why-should-a-small-business-owner-create-a-personal","EwBhPuARgbrZ7aVuU6d-k3GOQ10zbB1_ipMCNceC7mU",{"id":5493,"title":5494,"body":5495,"description":5499,"extension":40,"meta":5589,"navigation":49,"path":5598,"seo":5599,"stem":5600,"__hash__":5601},"blog/blog/why-should-it-consultants-care-about-psb-rules.md","Why Should IT Consultants Care about PSB Rules?",{"type":8,"value":5496,"toc":5587},[5497,5500,5503,5506,5509,5512,5515,5518,5521,5524,5527,5530,5533,5536,5539,5542,5545,5548,5551,5554,5557,5560,5563,5566,5569,5572,5575,5578,5581,5584],[341,5498,5499],{},"In short, because Personal Service Business rules virtually negate the tax advantages of having incorporated in the first place. An example provides some context.",[341,5501,5502],{},"Take an IT consultant whose company has a taxable income of $100,000.",[341,5504,5505],{},"If the IT company claims the small business deduction tax rate, in Ontario it would pay corporate income tax at a rate of 12.2% ($12,200) and would have $87,800 available for distribution as dividends.",[341,5507,5508],{},"If this $87,800 is paid out as a dividend to the consultant, additional personal taxation in the IT consultant’s hands occurs. To calculate taxes payable, the dividend is first ‘grossed up’ and tax applied at personal marginal rates, and then a dividend tax credit is applied to reduce the overall taxes payable on the grossed-up amount.",[341,5510,5511],{},"In Ontario, an IT consultant whose only source of income is a “non-eligible” dividend1 of $87,800 would pay net personal taxes of $12,446 after deducting basic personal & dividend tax credits, leaving him or her with a net after-tax income of $75,354.",[341,5513,5514],{},"The following table summarizes the situation:",[341,5516,5517],{},"However, if that same IT company is deemed by the CRA to be a Personal Service Corporation (“PSC”)2, the corporate tax rate jumps to 44.5% meaning that corporate taxes payable on $100,000 of corporate income jump to $44,500 ($32,300 more than in the normal case!!!).",[341,5519,5520],{},"The PSC, having paid $44,500 in taxes will therefore only have $55,500 to distribute in dividends. However, because the PSC was subject to higher corporate taxes, the dividends it pays are considered “eligible dividends” and are subject to lower taxation in the IT Consultant’s hands.",[341,5522,5523],{},"In our example, the available $55,500 distributed via “eligible” dividends out of the PSC will not attract any additional personal taxes (after the application of personal & dividend tax credits) leaving the IT Consultant with $55,500 in net after-tax income.",[341,5525,5526],{},"In comparing the two tables we can see that the tax leakage has jumped from $24,666 to $44,500 - an increase of 80% in taxation!",[341,5528,5529],{},"What if I cannot avoid the PSB Designation?",[341,5531,5532],{},"The Income Tax Act (Canada) is very clear as to which corporate deductions are permitted to a PSC – and there are very few. Chief among them are salaries paid and the cost of benefit plans including pension plans.",[341,5534,5535],{},"Therefore, in the example above, the IT Company making $100,000 could reduce its taxable corporate income by: (1) participating in a personal pension plan and (2) paying a salary.3",[341,5537,5538],{},"By way of illustration, a salary of $60,000 could be paid to the IT consultant. Given the current 2021 federal and Ontario tax brackets, personal income taxes payable would be $10,568, leaving $49,432 of after-tax income. At $60,000 of salary, a 50-year-old IT consultant saving through a personal pension plan would be able to contribute $12,553 as a tax-deductible contribution.4",[341,5540,5541],{},"The IT Corporation’s taxable corporate income would  be  as follows:  $100,000 - $60,000 (salary) - $12,553 (pension contribution) = $27,447. At the PSC tax rate of 44.5%, this translates into corporate taxes of $12,213.5 (To avoid paying any corporate tax at all, the salary and pension contributions could be increased.)",[341,5543,5544],{},"At the end of the process, the IT consultant would have $49,432 in after-tax dollars from his or her salary, plus retained earnings in the corporation of $15,234. Moreover, the pension plan now has $12,553 growing without immediate taxation until retirement.6",[341,5546,5547],{},"By contributing to the personal pension plan, the IT consultant has saved $5,586 (44.5% x $12,553) in corporate taxes. If dividends are paid on the retained earnings of $15,234, this would leave an additional $13,900 of after-tax income to be added to the consultant’s after-tax salary of $49,432 for a total take-home pay of $63,332.",[341,5549,5550],{},"To this, one must also keep in mind that there is also a pension plan available with $12,553. In the PSB “no salary’ illustration, the net after-tax income was $60,500 with no pension plan.",[341,5552,5553],{},"We summarize this solution for a PSB IT company below:",[341,5555,5556],{},"This tax leakage of $24,115 compares favourably with the total taxes payable with the IT Corporation is eligible for the small business rate of 12.2% ($24,666) but also provides for a pension plan in retirement. It is also 80% less taxed than if the corporation is deemed to be a PSC and dividends are relied upon for compensation.",[341,5558,5559],{},"Bottom Line ",[341,5561,5562],{},"In short, the use of salary and pension deductions has converted a large percentage of the tax that would have been payable to the Canada Revenue Agency into a pension entitlement. While the IT consultant has experienced a reduction of $12,002 in terms of take-home pay, the personal wealth accumulated in the pension plan ($12,553) means that he or she is actually economically better off by over $550.",[341,5564,5565],{},"The following graphs provide a snapshot of the 3 illustrations: ",[341,5567,5568],{},"Footnotes",[341,5570,5571],{},"1 It is considered non-eligible because the corporation paying it is taxed at the lower Small Business rate of 12.2% (in Ontario).",[341,5573,5574],{},"2 A company will be considered a personal service corporation when there is only one client, and but for the existence of the company, the relationship between the IT consultant and the client would have been an employer-employee relationship.",[341,5576,5577],{},"3 Salaries are taxed according to graduated tax brackets. Lower salary amounts pay disproportionally less tax than higher salaries.",[341,5579,5580],{},"4 On $60,000 in salary, the IT consultant could also contribute up to 18% or $10,800 to a Registered Retirement Savings Plan (RRSP) instead - with similar tax consequences.",[341,5582,5583],{},"5 For the sake of simplicity, we have excluded CPP premiums and Employment Insurance. CPP is deferred income since it builds a pension entitlement later in life and is not a tax, and Employment Insurance is typically not applicable where the owner/operator of the company is a connected individual and owns shares in the IT company.",[341,5585,5586],{},"6 If the IT consultant retires at age 65, and continues to pay himself or herself $60,000 over the next 15 years, the pension plan will, assuming the prescribed 7.5% rate of return applicable to individual pension plans, have accumulated $324,990. Of that amount, $136,695 is interest that has accumulated in a tax-deferred environment.",{"title":35,"searchDepth":36,"depth":37,"links":5588},[],{"uid":5590,"type":43,"date":5591,"author":5592,"cover_image":5593,"cover_image_credit":5594,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":5494,"meta_description":5595,"original_posted_date":5596,"tags":5597,"category":757},"why-should-it-consultants-care-about-psb-rules","2021-11-08","Jean-Pierre Laporte, BA, MA, JD, CEO, INTEGRIS","/uploads/why-should-it-consultants-care-about-psb-rules-cover-image.jpg","Photo by Christina @ wocintechchat.com","Because Personal Service Business rules virtually negate the tax advantages of having incorporated in the first place. An example provides some context.","2013-08-12",[757],"/blog/why-should-it-consultants-care-about-psb-rules",{"title":5494,"description":5499},"blog/why-should-it-consultants-care-about-psb-rules","xHprkbrl0XvX-gwf8kfbFjBKb6UyKJDmlNaxn9NTvMQ",{"id":5603,"title":5604,"body":5605,"description":5609,"extension":40,"meta":5624,"navigation":49,"path":5629,"seo":5630,"stem":5631,"__hash__":5632},"blog/blog/why-the-integris-personal-pension-plan-is-not-an-ipp.md","Why the INTEGRIS Personal Pension Plan is not an IPP",{"type":8,"value":5606,"toc":5622},[5607,5610,5613,5616,5619],[341,5608,5609],{},"Many investment advisors who are familiar with individual pension plans or IPPs, often ask how the INTEGRIS Personal Pension Plan differs from the IPP. The question stems in part from the fact that while the IPP rules have been around since 1991, advisors servicing the retail market are typically unfamiliar with other types of registered pension plans since those are normally administered by large pension consulting firms.",[341,5611,5612],{},"The INTEGRIS Personal Pension Plan is a combination pension plan. In other words, it offers both a defined benefit pension (using the rules applicable to IPPs) and a defined contribution pension benefit. By deciding each year whether the pension benefit will be accrued using a traditional defined benefit method, or the simpler, defined contribution, (RRSP-like) method, the member of an INTEGRIS plan can optimize tax savings at all ages, and at all income levels.",[341,5614,5615],{},"For example, in years where tax-deductible contributions through INTEGRIS is more generous than under the RRSP rules, the member may decide to save using the defined benefit component of the plan. However, in the following year, if the member has other uses for corporate cash (or is facing a lean year), the member can opt to save under the defined contribution component of the plan, thereby greatly reducing the cash cost of maintaining the pension plan. This type of flexibility is not common with IPPs since increased funding is expected each and every year as the member grows older.",[341,5617,5618],{},"But the INTEGRIS personal pension plan is much more than simply being a better tax savings vehicle than the RRSP or more flexible than an IPP. When a client appoints INTEGRIS to administer the pension plan, it partners with an organization that has a legal mandate to act in its best interests. This translates into a number of advantages for clients: access to sophisticated service providers, including their supervision and oversight, and substantial economies of scale. The supervision ensures compliance with administrative rules and peace of mind, while scale translates into additional savings. Traditional providers of IPPs do not offer to act as a fiduciary (or legally-responsible entity) of the pension plan, their role is that of service provider. While some IPP service providers can deliver their services in a competitive manner, they are restricted by the fact that their clients are retail customers and economies of scale are difficult to achieve due to the individualized nature of individual pension plans. As service providers, they do not have a legal obligation, mandated by pension legislation, to act as a fiduciary.",[341,5620,5621],{},"Finally, an INTEGRIS personal pension plan is similar in nature to a miniature large-scale public sector pension plan. The investment options available to an INTEGRIS plan mirrors those of its large counterparts such as the Teachers’ Pension Plan of Ontario or the Ontario Municipal Employees Retirement System (OMERS). This means that an INTEGRIS plan can invest in assets classes that are not permitted for RRSPs. While IPPs can technically invest in a similar fashion, this specialty market has not yet been developed in Canada. INTEGRIS was designed to change the way professionals and entrepreneurs save for retirement by giving clients access to the same level of sophistication that is enjoyed by civil servants, teachers and employees of large corporations.",{"title":35,"searchDepth":36,"depth":37,"links":5623},[],{"uid":5625,"type":43,"date":5626,"author":45,"cover_image":5627,"cover_image_credit":45,"hide_call_to_action_button":45,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5628,"category":48},"why-the-integris-personal-pension-plan-is-not-an-ipp","2013-10-02","/uploads/why-the-integris-personal-pension-plan-is-not-an-ipp-cover-image.jpg",[48],"/blog/why-the-integris-personal-pension-plan-is-not-an-ipp",{"title":5604,"description":5609},"blog/why-the-integris-personal-pension-plan-is-not-an-ipp","gYrEIZXS2UeTTFlRc0abSYKL2n9ImCl0f9xSkBL6wPY",{"id":5634,"title":5635,"body":5636,"description":5640,"extension":40,"meta":5643,"navigation":49,"path":5649,"seo":5650,"stem":5651,"__hash__":5652},"blog/blog/your-life-your-money---sunday-july-14th-2019.-with.md","Your Life, Your Money",{"type":8,"value":5637,"toc":5641},[5638],[341,5639,5640],{},"Your Life, Your Money - Sunday, July 14th 2019. With Kelvin Rampersad, Chris Chreston and guest J.P. Laporte, CEO of INTEGRIS Pension Management Corp.",{"title":35,"searchDepth":36,"depth":37,"links":5642},[],{"uid":5644,"type":43,"date":5645,"link":2392,"author":45,"logo":5646,"cover_image":5647,"cover_image_credit":45,"hide_call_to_action_button":67,"cover_image_css_classes":45,"meta_title":45,"meta_description":45,"original_posted_date":45,"tags":5648,"category":69},"your-life-your-money---sunday-july-14th-2019.-with","2019-07-14","/uploads/your-life-your-money---sunday-july-14th-2019.-with-logo.jpg","/uploads/your-life-your-money---sunday-july-14th-2019.-with-cover-image.jpg",[69,1880],"/blog/your-life-your-money-sunday-july-14th-2019.-with",{"title":5635,"description":5640},"blog/your-life-your-money---sunday-july-14th-2019.-with","frFPJRzvJF0AHtMTcxqyKDk-hFmPrGLBKpTNbaPxqkQ",1780259518055]