INTEGRIS Pension Management
Corporate Pension PlansFor Business Owners Who've Outgrown RRSPs
INTEGRIS administers institutional-grade pension structures that deliver significantly higher contribution limits, creditor protection, and tax efficiency than registered retirement accounts.
¹ Lifetime difference vs RRSP, assuming identical rate of return.
In the Press
Pension thinking the national press takes seriously
I was a pension lawyer on Bay Street servicing very large public and private sector plans, and I realized there was no pension plan available for lawyers and for many other Canadians who don't have access to an employer-sponsored pension plan.
A registered pension plan that is owned by the incorporated individual but is set up and administered by INTEGRIS.
Two Paths to Institutional Retirement
Which structure fits your business?
Contribute far more than an RRSP — and stay flexible
Contribute well beyond RRSP limits — every dollar tax-deductible to your corporation — with a plan that flexes contributions up in strong years and down in lean ones, and can credit past years of service.
Flexible contributions that adapt to variable income—without sacrificing pension benefits.
Predictable retirement income, guaranteed
Lock in a retirement income set by formula, not the markets — funded by tax-deductible corporate contributions, with guaranteed top-ups when investments fall short.
When markets underperform, your corporation makes tax-deductible top-up contributions.
RCA (Retirement Compensation Arrangement) — Once you have an IPP or PPP®, add uncapped tax-deferred savings for income exceeding $250k. Learn more
Our Process
From discovery to administration
We guide you through a structured process. You retain full control of investment decisions—we handle everything else.
Illustration Request
Complete our quick e-form with your basic income information.
10 minIllustration
We prepare a detailed illustration showing projected contributions and benefits.
1-2 daysPlan Setup
Complete onboarding documents. We review in detail and submit to CRA for registration.
~1 hourCRA Registration
CRA reviews and approves your pension plan registration.
3-6 monthsAdministration
Plan governance and oversight, regulatory filings and compliance monitoring, administrative continuity, and lifecycle fiduciary stewardship.
AnnualRole of INTEGRIS
As your fiduciary pension administrator, INTEGRIS is responsible for:
- Fiduciary administration responsibilities
- Regulatory compliance oversight
- Coordination with actuaries, custodians, accountants, and advisors
Conflict-Free Administration
We do the actuarial work.
You keep control of everything else.
INTEGRIS operates under a pure fiduciary standard. We don't sell investment products, manage assets, or compete with your existing advisors. Our only job is pension administration.
Schedule a ConsultationInvestment Freedom
Choose any qualified investments. We have no products to sell and no conflicts of interest.
Full Mandate Retention
Your wealth manager keeps 100% of AUM. We handle actuarial—they handle assets.
Clean Tax Integration
All pension contributions flow through as corporate deductions. Simple, auditable, compliant.
As Seen In
INTEGRIS and corporate pension strategies have been featured in leading Canadian business publications.
Common Questions
Frequently Asked Questions
Still curious? Our team of pension specialists is ready to walk you through the details and determine if the Personal Pension Plan (PPP®) is right for your situation.
You need an employment relationship with T4 income to qualify. While the plan sponsor is typically an incorporated company, other entities (like Limited Partnerships) may sponsor a plan for T4 employees. Sole proprietors relying on business income do not qualify.