INTEGRIS for Financial Advisors
Give your clients the best-in-class mix of wealth succession, business succession and tax optimization strategies with the Personal Pension Plan.
Offer your clients the ultimate tax-sheltering vehicle
No one knows your clients better than you do. INTEGRIS empowers you with a modern pension toolkit so you can move them closer to their goals.
Deliver before-and-after PPP® scenarios that highlight tax refunds, wealth preservation and intergenerational planning advantages.
Have a client in mind?
Submit a distributor application and we will deliver a turnkey illustration that compares PPP® and RRSP limits, projected balances and tax outcomes.
Use the ready-made presentation kit and client-friendly summary to start the conversation immediately.
Remain investment manager on file
Maintain continuity by staying in control of the investment strategy. The PPP® account accommodates all major asset classes, so you do not have to change your preferred approach.
Prefer to partner with someone inside our network? Appoint a PPP®-trained advisor and stay engaged as the primary relationship lead.
Increase assets under management
Because the PPP® can house non-registered assets, many clients consolidate dormant portfolios to maximize tax deferral.
The end result is deeper wallet share, higher retention and a more strategic relationship anchored by fiduciary oversight.
Advisor growth support
We partnered with marketing specialists to help you thrive in a digital-first world.
- Brand building: Podcast appearances, webinar toolkits and ghostwritten articles amplify your expertise without draining your calendar.
- Community platforms: Partnerships give you exposure to communities that collectively reach more than 2.9 million Canadians.
- Time savings: Our internal team handles pension paperwork so you can redirect hours toward clients.
Great support and powerful technology
Illustrations, onboarding, annual valuations and compliance reminders live inside a guided workflow.
Share client-ready deliverables with a single click and receive proactive alerts whenever action is required.
“In our practice, we stayed away from IPPs because they were cumbersome and inflexible. With the INTEGRIS PPP®, everything is simplified, it addresses the concerns business owners had with IPPs and we are seeing an increase in assets under management.”
— Dallas De Carlo, Director of Wealth Management
Training and support
Excited about the PPP® but want a deeper technical foundation before presenting it? The INTEGRIS Advanced Knowledge Center delivers just that.
Gain the confidence to articulate actuarial concepts, tax mechanics and succession planning strategies in plain language.
PPP 101
Personal Pension Planning for Corporate Owner-Managers
Understand how pension legislation can solve wealth and tax challenges for incorporated professionals in the new CCPC landscape.
15 reasons to consider a PPP® for your client
Higher retirement balances
PPP® members can accumulate $1M+ more registered assets over 20 years compared to RRSP-only strategies.
Seven new deduction categories
Current service, past service buybacks, terminal funding, special payments, interest, investment fees and administration fees are all deductible.
Creditor protection
PPP® assets are shielded from trade creditors and maintain super priority in bankruptcy proceedings.
Intergenerational transfers
Assets can transition between family members without deemed disposition or probate when multiple members join the plan.
Flexibility past age 71
Special payments allow corporations to keep contributing and deducting even after RRSP limits end.
Input tax credits
GST/HST on plan fees can be recovered by the sponsoring corporation, improving after-tax results.
RRSP coordination
Members can toggle between DB and DC formulas and later convert DC years to DB for additional past service contributions.
Participating life insurance funding
The incremental tax refunds generated by PPP® deductions can finance corporately-owned participating life insurance.
Early retirement income splitting
Pension income can be split as early as age 50, unlocking credits unavailable to RRIF holders until 65.
Governance included
INTEGRIS delivers pension committee oversight, legal and actuarial coordination at no additional cost.
Surplus unlocking tools
AVC assets remain unlocked and surplus can be managed through accrual adjustments, enabling strategic withdrawals.
Capital gains exemption purification
Large deductible contributions help cleanse passive assets from a corporation ahead of a sale.
Advisor-controlled experience
You remain investment manager on file while INTEGRIS handles pension administration.
Client retention
Switching to a traditional RRSP after enjoying PPP® benefits is rare, anchoring long-term relationships.
Scalable support
From onboarding to annual filings, INTEGRIS manages the heavy lifting so you can focus on advice.
Our process
Phase 1
Discover
Review the client profile, corporate structure and retirement goals to confirm PPP® fit.
Phase 2
Design
Structure the optimal mix of DB/DC components, contribution levels and investment mandates.
Phase 3
Launch
INTEGRIS coordinates the actuary, trustee, custodian and regulatory filings while you stay client-facing.
Phase 4
Support
Annual reviews, tax slips, funding recommendations and governance meetings keep the plan compliant.
Advisor FAQs
Still curious? Reach out and our team will walk you through the details.
Yes. Advisors remain the investment manager on file and continue managing assets under the PPP® umbrella. INTEGRIS provides the pension infrastructure so you can focus on strategy and relationships.