The Specialist
Your Wealth, Secured.
The Individual Pension Plan.
The IPP is the "Platinum" alternative to the RRSP. It transforms exposed corporate capital into a government-guaranteed pension stream, shifting investment risk from you to your corporation.
See projected savings vs RRSPInvestment Immunity
Actuarially guaranteed outcomes, regardless of market volatility
Tax Deduction Accelerator
Corporate "top-ups" become available and tax-deductible when markets underperform
Simplicity
The "Set It and Forget It" solution for busy professionals
Featured in
INTEGRIS is a fiduciary pension administration firm responsible for governance, regulatory compliance, and administrative oversight of pension plans serving incorporated professionals across Canada.
Introducing
Your INTEGRIS Individual Pension Plan
The IPP is a CRA-registered Defined Benefit pension plan for a single member — built so your corporation can deduct substantially more than an RRSP allows, then shelter the capital inside a creditor-protected pension trust. For incorporated professionals with predictable cash flow who want regulated, actuarially-backed outcomes, it's the gold standard.
The Status Quo Is Failing
Why the system pushes high-income owners past the RRSP
Three pressures that quietly erode corporate wealth — and that an IPP is built to neutralize.
The RRSP Ceiling
The $33,810 cap doesn't scale with your true earning power. By age 60, an IPP makes room for an extra $19,000+ of corporate-deductible contributions per year.
The $50K Passive-Income Trap
Once your corporation earns more than $50K in passive investment income, the CRA grinds down your Small Business Deduction. Active business income gets pushed onto the higher general corporate rate.
The LCGE at Risk
Excess passive cash on the corporate balance sheet can disqualify your $1.25M Lifetime Capital Gains Exemption when you sell. The IPP is the cleanest tool we know for moving that capital off the books.
What You Get
Four mechanical advantages over saving in an RRSP
The IPP isn't a brand — it's a CRA framework with specific, measurable benefits.
Maximize Compound Wealth
Over a 20-year horizon, an incorporated member typically accumulates $1M+ more inside an IPP than in an equivalent RRSP — before considering past-service buybacks or terminal funding.
Unlock Massive Tax Deductions
Past-service buybacks reaching back to 1991, plus up to $2M of terminal funding at retirement — all immediately tax-deductible to your corporation.
Bulletproof Your Assets
Statutory protection from trade creditors. Contributions owed to the plan rank above secured creditors in bankruptcy proceedings.
Execute Corporate Purification
Strip excess passive cash from your operating company through tax-deductible contributions — protecting your $1.25M Lifetime Capital Gains Exemption when you sell.
The Super-Sized RRSP
IPP vs RRSP: The Clear Advantage
See why the IPP is the premium alternative to traditional registered accounts.
The Gap
$33,810 annual max
$57,370+ annual max (by age 55)
The Deduction
Personal income deduction
Corporate expense—lowers corporate tax bill immediately
The Vault
Limited creditor protection
Standalone trust—exempt from seizure by creditors
The Guarantee Mechanism
Turn Market Lows into
Tax Opportunities.
In an RRSP, a bad year is a loss. In an IPP, a bad year is a tax deduction.
The "7.5% Rule"
Your plan is funded as if it earns 7.5% annually. If your conservative investments earn 4%, your corporation can contribute the difference as a tax-deductible top-up.
This allows you to move more money out of your corporation, tax-deductible, precisely when markets are down.
Strategic Applications
Who Benefits from an IPP?
The IPP is a versatile tool for conservative investors, executive retention, and sophisticated tax planning.
For GIC & Bond Investors
Perfect for professionals who prefer stable assets. Let the actuarial formula do the heavy lifting.
The "Golden Handcuffs"
Lock in key talent with a Defined Benefit promise that no competitor can offer. Retain executives without equity dilution.
Beyond Retirement
Tax-free intergenerational wealth transfer
Bring your next generation into the plan as legitimately T4-employed members. On your death, the plan assets stay inside the pension trust to fund the children's eventual retirement — no deemed disposition, no RRSP tax bomb, no provincial probate fees. The trust also gives stronger creditor protection than personal accounts. It only works for real family employees of the sponsoring corporation, but for family businesses it's a major lever.
Reach your retirement goals faster
Do the math and see for yourself.
Age 45
Quick estimate based on standard CRA assumptions. Your personalized illustration reflects your own situation.
Assumptions set by the CRA: salary increase 5.5%, rate of return 7.5%, payment indexing after retirement 3.0%.
Transparent Pricing
What an IPP actually costs to run
All INTEGRIS administration, actuarial, and consulting fees are 100% tax-deductible to your sponsoring corporation — radically reducing the true after-tax cost.
Includes Pension Lawyer Oversight. The standard single-member IPP.
$1,725 per member — typical for owner + spouse setups.
Family-business setups. Per-member fee drops further at 4+ members.
Combine with an RCA
Add an RCA on top of your IPP and we'll credit $1,000 one-time off the setup.
100% tax-deductible
Unlike RRSP advisory fees (paid with after-tax personal dollars), INTEGRIS fees are corporate expenses. Over a multi-decade horizon, the deductibility radically reduces the true after-tax cost of operating the plan.
Already have a legacy IPP?
Audit + consulting fee applies to convert. See the upgrade options below.
Pricing per the 2025 INTEGRIS fee schedule. All fees are exclusive of applicable taxes. Final quote provided after consultation.
Common Questions
IPP Questions
Already Have a Legacy IPP?
Convert it without leaving INTEGRIS
If you have an existing IPP elsewhere — dormant, non-compliant, or simply not getting the attention it needs — INTEGRIS can assume the administration, bring it back into compliance, and (if your needs have evolved) upgrade it to a PPP® for the hybrid DB / DC / AVC flexibility. One-time $2,500 audit fee; the rest is the same process you'd run for a new plan.