Give your clients the IPP advantage
Financial advisors and accountants are recommending Individual Pension Plans (IPPs) to their qualifying clients to help them grow their retirement fund while optimizing tax-deductions, replacing RRSPs and surpassing its limits.
"I would recommend Brian's service to any incorporated professional who wants to feel confident that their retirement years will be financially secure."
IPPs are a winning financial strategy for your eligible clients
IPP contributions are most advantageous to incorporated professionals aged 40 or older. Unlike an RRSP or a Defined Contribution (DC) pension plan (which limits contributions based on income), an IPP’s contribution amount increases with your age. The older you are, the more you can contribute, and the better your retirement fund will be.
To determine if your client is eligible for an IPP, book your free consultation with us today or read our frequently asked questions.
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Grow your clients’ retirement funds
IPPs allow contributions over and above the RRSP limits past the age of 40, with no minimums in some provinces, and the option to buy-back previous years of service in a lump sum.
Reduce your clients’ corporate tax
IPP contributions and related expenses (including implementation) are tax-deductible, allowing your clients to reduce overall tax spend. Plus, investment earnings are tax exempt until withdrawn.
Build Predictable Retirement Income for Your Client
Unlike RRSPs, IPPs result in a fixed pension inflation adjusted income for future peace of mind. Alternatively, your client can purchase a life insurance annuity or transfer to an LIF or LRIF.
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Protect your clients from creditors
IPP contributions and assets are protected from creditors under legislation (including any assets transferred from their RRSP), allowing full confidence in their investments.
Supplement your clients’ estate planning
IPPs allow your clients to supplement their estate and family succession planning by ensuring their spouse will receive retirement income for life. Upon the spouse's passing, any remaining assets in the plan will be distributed to the client's beneficiaries.
Flexibility for your clients
IPPs can be rebalanced at any time and contribute more if returns are not achieved.
Deliver Inflation Adjusted Benefits For your Clients
Pension Income under an IPP are inflation adjusted to ensure purchasing power is maintained in retirement.
Your clients retain full control of investment decisions
The financial advisor and the client decide on the investment selections.
The “Bigger and Better RRSP” for your clients
Results can vary depending on the age, income and years of service of your client - see examples here.
IPP Considerations
Calculate your clients' IPP advantage
See for yourself! Here is a table comparing IPP Contribution Limits to RRSP Contribution Limits by age at “year 1” (excluding contribution for past service), based on the shown age and maximum eligible T4 salary of $187,833.50 (in 2025).
Don't miss out on your clients' one-time catch up contribution to reflect past service! They may be able to contribute an additional $600,000.
AGE AT YEAR ONE
IPP CONTRIBUTION LIMITS
RRSP Contribution Limits
IPP ADVANTAGE
AGE AT YEAR ONE
IPP ADVANTAGE
Projected Contributions for 40 Yr Old Who Establishes an IPP in 2025
Getting Started for Financial Advisors and Accountants
- 1Book a consultation with us to discuss pricing and get an illustration
- 2Once agreed, the IPP will be registered with the CRA for your client
- 3Contributions can begin (including buy-backs of previous years of service)
- 4Investments are managed by you and your client
- 5Once a year we perform annual filings for administration. Every 3 years we perform an actuarial valuation as per CRA requirements
Are you ready to switch your clients to the IPP advantage?
Book your free consultation with Brian Noy F.C.I.A and find out how to get your clients started with their IPP
