INTEGRIS for Accountants
Help your incorporated clients shelter more income, create larger deductions and coordinate corporate tax planning with a modern pension strategy.
Deliver proactive tax advice
Model side-by-side outcomes that show clients how PPP® contributions create immediate corporate deductions, generate refunds and build larger retirement balances.
Use the plan to coordinate salary versus dividend decisions and support long-term shareholder remuneration planning.
Compliance without the lift
INTEGRIS prepares actuarial valuations, trust filings, pension adjustments, tax slips and governance minutes. Your team receives a simple checklist each year with all supporting schedules.
We liaise directly with CRA and pension regulators, giving you clean workpapers for reviews and audits.
Share the same knowledge base
Access the INTEGRIS Advanced Knowledge Center for CPD-ready modules covering pension tax law, surplus management and intergenerational planning.
Featured course
PPP101 — Personal Pension Planning for Corporate Owner-Managers
Learn how to position the PPP® alongside IPPs, RCAs and RRSPs in light of the CCPC passive income rules.
Six powerful tax deductions unlocked by the PPP®
Past service buybacks
Retroactive registration allows corporations to deduct large single payments tied to prior years of T4 income.
Current service
Defined benefit and defined contribution formulas deliver higher annual deductions than RRSP limits.
Terminal funding
Enhance pensions at retirement with additional deductible injections that can exceed $2M for long-service clients.
Special payments
If plan assets underperform the prescribed rate, corporations top up with deductible “special payments” rather than watching funding drift.
Interest and advisory fees
Interest on borrowed funds to make PPP® contributions plus investment management fees are deductible to the corporation.
Administration and actuarial fees
Plan administration, actuarial valuations and governance costs are all deductible and eligible for GST/HST input credits.
Why accountants recommend the PPP®
Blend corporate and personal planning
The PPP® coordinates with RRSPs, DC plans and corporate retained earnings to optimize shareholder remuneration.
Support business succession
Use pension deductions to purify corporations for the lifetime capital gains exemption before a sale.
Unlock intergenerational transfers
Children or spouses who are active in the business can join the PPP®, keeping assets in the family trust structure.
Protect operating companies
PPP® assets are creditor protected, reducing exposure during economic downturns or litigation.
Flexible cash flow management
Switch between DB and DC accruals annually to match profitability without giving up superior deductions.
Robust governance
INTEGRIS supplies documentation, filings and committee minutes, giving you audit-ready files each year.
Implementation process
Step 1
Assess
Review the client’s compensation history, share structure and retirement objectives to confirm eligibility.
Step 2
Model
Our actuarial team builds contribution, refund and retirement income projections you can present alongside your forecasts.
Step 3
Implement
We draft plan texts, trust agreements and regulatory filings while you coordinate tax entries and financial statements.
Step 4
Review annually
Stay close to cash flow decisions, T4 planning and surplus management with guided reminders from our compliance desk.
Accountant FAQs
Still curious? Reach out and our team will walk you through the details.
Yes, PPP® participation generates a pension adjustment that offsets future RRSP room. The tradeoff is that PPP® deductions are significantly larger and include expenses unavailable in an RRSP.