Individual Pension Plan

An Individual Pension Plan is a registered, defined-benefit pension plan sponsored by the employer with membership limited to an individual and his or her spouse. Special rules govern contributions and investments and each IPP must be registered with Revenue Canada and the appropriate provincial authority.

Regulated by both Revenue Canada and by provincial law, IPPs are creditor-proof and allow for substantially higher contributions than to a traditional RRSP.
For the employer, all contributions and any expenses incurred to establish and maintain the IPP are tax-deductible.

An Individual Pension Plan guarantees a certain level of benefits at retirement. Because of this, unlike RRSPs, an IPP permits additional contributions if the plan earns less than 7.5%. In addition, should the plan member retire before age 65, an additional contribution to the IPP is available, which can total up to 50% of the then accumulated IPP assets.

For more information, email us or contact us at 1-866-927-0111

  IPP FAQ's

  Advantages of an IPP
Contributions

Creditor-proofing

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IPP Brochure

The IPP Advantage

June 15th, 2010 IPP Conference Call - The 5 Biggest Mistakes Made When Setting Up An IPP

IPP Presentation

IPP Setup Form

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