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.
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
Explore the benefits of the INTEGRIS PPP®
See what's insideMaximum Contribution Limits (2025)
$33,810 - $54,809
Personal Pension Plan (PPP®)
$22,496 - $54,809
Individual Pension Plan (IPP)
$32,490
Registered Retirement Savings Plan (RRSP)
$7,000
Tax-Free Savings Account (TFSA)
* Contribution levels depend on the member’s age.
More tax deferring room than any other vehicle
With the INTEGRIS PPP®, you can contribute more than what’s allowed with an RRSP, TFSA or existing IPP. The power of compounding magnifies these contributions over time.
Tax-free intergenerational wealth transfer
Potentially pass wealth to loved ones without triggering taxes on capital gains or probate fees.
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Adapt your contributions to your business' cashflow
The PPP® lets you scale contributions up or down as markets and revenue shift.
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.
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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.
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
The INTEGRIS PPP® is available in all Canadian provinces and territories.
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.
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 | PPP® Balance | RRSP Balance | Advantage |
|---|---|---|---|
Assumptions set by the CRA: salary increase 5.5%, rate of return 7.5%, payment indexing after retirement 3.0%.
Optimized to help as many Canadians as possible
Business owners & incorporated professionals
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 StartedSample deductions in the year of PPP® setup
Buy Back of Past Service
$50,000
Corporate tax deduction gained from retroactive registration.
Current Service
$30,000
Contribution limit for the given year.
Double Dip
$20,000
Additional personal tax deduction available in the first year only.
Access 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.
Partner with INTEGRIS to provide the Personal Pension Plan to your clients
Pricing
Prices may vary depending on the number of plan members and investments.
Plan fee waived
with select portfolio managers
- INTEGRIS annual fee waived by Portfolio Manager
- All fees are tax-deductible
- Fiduciary oversight
- Intergenerational wealth transfer
- Creditor protection
- Flexibility to invest in all asset classes
- Contribution flexibility based on company cash flow
- Contribution flexibility based on market volatility
- Flexibility to use existing financial advisor
- INTEGRIS Care support
- Members unlimited
- Admins unlimited
Plans starting from
- Use your own advisor
- All fees are tax-deductible
- Fiduciary oversight
- Intergenerational wealth transfer
- Creditor protection
- Flexibility to invest in all asset classes
- Contribution flexibility based on company cash flow
- Contribution flexibility based on market volatility
- Flexibility to use existing financial advisor
- INTEGRIS Care support
- Members unlimited
- Admins unlimited
Consulting and audit fee
- Fiduciary oversight
- Larger tax deductibles
- Intergenerational wealth transfer
- Creditor protection
- All fees are tax-deductible
- Flexibility to invest in all asset classes
- Contribution flexibility based on company cash flow
- Contribution flexibility based on market volatility
- Flexibility to use existing financial advisor
- INTEGRIS Care support
- Members unlimited
- Admins unlimited
Be confident in your decision
Each request is carefully reviewed to ensure that the INTEGRIS PPP® is the correct solution for you.
Upgrade your IPP
We built a streamlined process for converting your Individual Pension Plan (IPP) to the INTEGRIS PPP®.
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.
Get StartedFrequently Asked Questions
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