Buy Back of Past Service: $50,000
Corporate tax deduction gained from retroactive registration (dating back to the incorporation/salary start date)
INTEGRIS Pension Management
Save more and pay less tax every year with a
Personal Pension Plan.
A world-class pension for business owners, incorporated professionals and key employees.
Do the math and see for yourselfCRA Registered
Fiduciary Standard
Legal Oversight
Creditor Protected
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 Personal Pension Plan
The Personal Pension Plan™ (PPP®) is a wealth accumulation and tax savings solution designed for business owners, associations, franchise owners and incorporated professionals to grow retirement savings faster while paying less tax.
Pension Plan
=Increased Wealth
+Reduced Taxes
PPPs Offer Security In Retirement new
Explore the benefits
Optimized to help as many Canadians as possible
Shelter more income and collect larger tax refunds. The PPP® was built for entrepreneurs and professionals.
Doctors
Dentists
Engineers
IT Contractors
Independent Consultants
Financial Advisors
Accountants
Many more…
Not a shareholder?
You can have an INTEGRIS PPP® too.
Associations
Offer members the same advantages as the largest groups, regardless of association size.
Franchises
Franchisors and franchisees can extend PPP® benefits without acting as plan sponsor.
Find out if the INTEGRIS PPP® is right for you.
Get StartedAccess new tax refunds and save money from day one
Gain immediate access to PPP® related deductions such as buy back, current service, double dips and more. These stacked tax advantages help you recover setup costs quickly and accelerate your long-term compounding.
Sample deductions in the year of PPP® setup
Current Service: $30,000
Contribution limit for the given year.
Double Dip: $20,000
Additional personal tax deduction available in the first year only.
More tax deferring room than any other vehicle
With the INTEGRIS PPP®, you can contribute more towards your retirement than what's allowed with an RRSP/TFSA or an existing IPP. Coupled with the power of compounding, this accumulates to larger savings when you retire.
It’s important to note that PPP® contributions take the place of RRSP contributions moving forward (TFSA contribution room remain intact). Please do not contribute to your RRSP if you plan to setup your PPP® in the same year.
Maximum Contribution Limits (2026)
$33,810 - $57,370
Personal Pension Plan (PPP®)
$22,496 - $57,370
Individual Pension Plan (IPP)
$33,810
Registered Retirement Savings Plan (RRSP)
$7,000
Tax-Free Savings Account (TFSA)
* Contribution levels depend on the member’s age.
Tax-free intergenerational wealth transfer
Potentially pass wealth to loved ones without triggering taxes on capital gains or probate fees.
Get StartedAdapt your contributions to your business' cashflow
The PPP® lets you scale contributions up or down as markets and revenue shift.
Annual Contributions
High cashflow → larger contribution Low cashflow → scale back
Low Cash Flow?
Lower contributions during downturns and top up when cash flow improves.
High Cash Flow?
Take advantage of market dips by deferring more income when profits are strong.
Find out if the INTEGRIS PPP® is right for your investments.
Get Started5+Asset classes available
StocksBondsLandLimited PartnershipsAlternatives
Invest in all asset classes
PPP® rules allow exposure to asset classes unavailable inside an RRSP or TFSA, such as land, limited partnerships and alternative strategies.
100%Federally creditor-protected
Get the highest level of creditor protection in Canada
If financial difficulties arise, creditors cannot seize savings inside the PPP®. Pension legislation across Canada provides robust protection.
Approved and regulated across Canada
13Provinces & Territories
Federally regulated and available coast to coast.
Provinces
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Territories
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100%Of AUM stays with your advisor
Assets stay managed by those you trust
Keep your existing advisor in control of the portfolio or select a PPP®-trained expert from the INTEGRIS Advisor Network. INTEGRIS never holds client assets.
+Tax-deductible top-ups when markets dip
Contribute more during a bear market
Respond to market dips with deductible contributions before year-end and deploy new capital when valuations are attractive.
- Make up for market losses by contributing more toward your PPP®.
- Higher corporate contributions increase tax deductions.
- Deploy fresh capital to go “bargain hunting” inside the plan.
- Realized gains remain tax-free inside the pension plan.
Fiduciary oversight from Canada’s best professionals
INTEGRIS unites leading pension lawyers, consultants and actuaries to supervise your plan.
Our CEO earned the Queen Elizabeth II Diamond Jubilee Medal for pioneering new retirement savings models.
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%.
Simple, transparent pricing
One annual fee for INTEGRIS administration. Two ways to pay less.
Annual Plan
INTEGRIS PPP® Administration
Simple PPP
From$1,750
/ yearAges 18–40 · DC onlyStandard PPP
From$2,800
/ yearAll ages · DB + DCAll-inclusive fiduciary administration — billed annually, fully tax-deductible. May qualify for 100% HST/GST pension-entity rebate.
Final pricing scales with member count and plan structure. Reach out for a custom quote tailored to your situation.
- Use your own advisor
- All fees are tax-deductible
- Fiduciary oversight
- Intergenerational wealth transfer
- Creditor protection
$1,000 combo credit when combined with an IPP or RCA.
Get Started Or pay differently
Through a Selected Portfolio Manager
$0/ year
Work with one of our partner portfolio managers and your annual INTEGRIS fee is waived in full.
See partner managersUpgrade from an existing IPP
$2,500one-time
Already have an Individual Pension Plan? Convert to INTEGRIS PPP® with a one-time consulting and audit fee.
See upgrade detailsWhat Your Annual Fee Covers
INTEGRIS is independent from investment management—your fee covers institutional pension administration only.
- Fiduciary administration
- Regulatory compliance oversight
- Plan governance and recordkeeping
- Coordination with actuarial and custodial partners
- Lifecycle administrative oversight
INTEGRIS clients can often save $800,0001 or more for their retirement when compared with traditional RRSPs. Get started today to see how much further ahead you will be.
1. Calculated by looking at the difference between RRSP and defined benefit contributions over the life of a plan, assuming an identical rate of return.
Frequently Asked Questions
Partner with INTEGRIS to provide the Personal Pension Plan to your clients