{"id":11444,"date":"2025-05-29T12:47:49","date_gmt":"2025-05-29T16:47:49","guid":{"rendered":"https:\/\/rosengroup.ca\/?page_id=11444"},"modified":"2025-06-10T15:27:48","modified_gmt":"2025-06-10T19:27:48","slug":"individual-pension-plan","status":"publish","type":"page","link":"https:\/\/rosengroup.ca\/fr\/individual-pension-plan\/","title":{"rendered":"RRI"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(9,19,30,0.9) 0%|rgba(9,19,30,0.9) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(9,19,30,0.9)&#8221; background_color_gradient_end=&#8221;rgba(9,19,30,0.9)&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2022\/03\/bill-of-rights-header-bg.jpg&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; custom_css_main_element=&#8221;background-position: 50% 67%;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||8px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>IPP<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;800px&#8221; max_width_tablet=&#8221;500px&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>A Powerful Tax-Deferred Retirement Savings Tool<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F7F7F7&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>An Individual Pension Plan (IPP) is a powerful tax-deferred retirement savings tool designed for incorporated professionals \u2014 especially business owners \u2014 who are over 40 and earn a consistent high income through their professional corporation.<\/p>\n<p>Here\u2019s a detailed breakdown of the key benefits of using an IPP for a business owners in Canada:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Higher Contribution Limits <strong class=\"font-serif\">Than RRSPs<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>IPPs allow larger annual contributions than RRSPs, especially as you age.<\/li>\n<li>Contribution limits increase with age because they\u2019re based on pension formulas and projected retirement income.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;30px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; disabled_on=&#8221;on|on|on&#8221; disabled=&#8221;on&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; custom_padding=&#8221;50px|5%|50px|5%|true|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_letter_spacing=&#8221;2px&#8221; text_orientation=&#8221;left&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Example<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>At approximately age 53, you can contribute about $30,000\u2013$40,000\/year to an RRSP.<\/p>\n<p>With an IPP, you might contribute $45,000\u2013$55,000\/year or more.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Fully Tax-Deductible <strong class=\"font-serif\">to the Corporation<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>All contributions to the IPP are paid by your corporation and are 100% tax-deductible. This includes:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;40px||15px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_salary.png&#8221; alt=&#8221;Annual Contributions &#8211; Icon by Freepik&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Annual contributions<\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_back.png&#8221; alt=&#8221;Past Service Contributions &#8211; Icon by Freepik&#8221; title_text=&#8221;icon_back&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Past service contributions<\/h4>\n<p>(if you incorporate after practicing for a few years)<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_file.png&#8221; alt=&#8221;Special Payments &#8211; Icon by Freepik&#8221; title_text=&#8221;icon_file&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Special payments<\/h4>\n<p>(e.g., for losses or terminations)<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Tax-Sheltered <strong class=\"font-serif\">Growth<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Assets in the IPP grow tax-deferred, just like RRSPs.<\/li>\n<li>Investment income is not taxed until the funds are withdrawn in retirement, when you may be in a lower tax bracket.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Enhanced <strong class=\"font-serif\">Retirement Security<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>An IPP is a defined benefit plan, meaning it provides a predictable retirement income.<\/li>\n<li>You\u2019re not relying solely on market returns.<\/li>\n<li>This makes it ideal for business owners seeking stable, pension-like retirement income.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Past Service Contributions <strong class=\"font-serif\">(Backdating)<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>If you were previously self-employed or paid yourself salary before establishing an IPP, you may be eligible for past service contributions.<\/li>\n<li>This can create a large upfront deduction (sometimes over $100,000).<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Terminal Funding <strong class=\"font-serif\">at Retirement<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>When you retire, your corporation may be required to make a final lump-sum contribution (called terminal funding).<\/li>\n<li>This can result in a significant final tax deduction and increase your pension benefits.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Creditor <strong class=\"font-serif\">Protection<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>IPP assets are generally protected from creditors, unlike corporate retained earnings or open investments.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>No Payroll Taxes or CPP <strong class=\"font-serif\">on Contributions<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Unlike salary (which incurs CPP contributions), IPP contributions are not subject to payroll taxes.<\/li>\n<li>This results in cost savings and more money staying in the retirement plan.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Corporate Asset Stripping <strong class=\"font-serif\">Tool<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>An IPP allows you to move money out of the corporation into a protected, tax-deferred environment.<\/li>\n<li>This is helpful for reducing passive investment income inside the corporation (which can reduce access to the small business tax rate).<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;45px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Estate Planning <strong class=\"font-serif\">Options<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>IPPs can include survivor benefits and guaranteed payments to your spouse or estate.<\/li>\n<li>If structured correctly, unused funds may pass on to heirs, or be used to purchase a joint last-to-die annuity.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F7F7F7&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#000000&#8243; header_4_text_color=&#8221;#000000&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Summary<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>IPP vs RRSP <strong class=\"font-serif\">for a Business Owner<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]\n<table id=\"tablepress-1\" class=\"tablepress tablepress-id-1\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Feature<\/th><th class=\"column-2\">IPP<\/th><th class=\"column-3\">RRSP<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Annual Contribution Limit (50-year-old)<\/td><td class=\"column-2\">~ $45,000\u2013$55,000<\/td><td class=\"column-3\">Approx. $31,560<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Paid By<\/td><td class=\"column-2\">Corporation<\/td><td class=\"column-3\">Individual<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Tax Deduction<\/td><td class=\"column-2\">Corporate<\/td><td class=\"column-3\">Personal<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Creditor Protection<\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">Limited<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Predictability<\/td><td class=\"column-2\">Defined benefit<\/td><td class=\"column-3\">Market dependent<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Past Service Buyback<\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">No<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Terminal Funding<\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">No<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1 from cache -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Ideal Business Owner Profile <strong class=\"font-serif\"> for an IPP <\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_5,1_5,1_5,1_5,1_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;2px|auto|15px|auto|false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_user.png&#8221; alt=&#8221;Age 45+ &#8211; Icon by Freepik&#8221; title_text=&#8221;icon_user&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Age 45+<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_salary-2.png&#8221; alt=&#8221;Salary &#8211; Icon by Freepik&#8221; title_text=&#8221;icon_salary&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Annual salary over $100,000 (not dividend-only income)<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_salary-1.png&#8221; alt=&#8221;Cash flow &#8211; Icon by Freepik&#8221; title_text=&#8221;icon_salary (1)&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Incorporated with consistent cash flow<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_discount.png&#8221; alt=&#8221;Maximized retirement savings &#8211; Icon by Freepik&#8221; title_text=&#8221;icon_discount&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Wants maximized retirement savings and corporate tax efficiency<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_growth.png&#8221; alt=&#8221;Guaranteed income &#8211; Icon by Freepik&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_4_text_color=&#8221;#09131E&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Prefers guaranteed income over market risk<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F7F7F7&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;13px&#8221; text_line_height=&#8221;1.6em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>This content is intended for general informational purposes only and does not constitute financial, legal, or tax advice. Individual Pension Plans (IPPs) are subject to specific rules and regulations under Canadian law, and the suitability of an IPP depends on individual circumstances. We are not tax advisors, and we recommend readers to consult with a qualified tax professional before making any decisions regarding pension planning.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.10.8&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2022\/03\/cta-footer-background-paralax_2.jpg&#8221; parallax=&#8221;on&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; global_module=&#8221;868&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row make_equal=&#8221;on&#8221; module_class=&#8221;align-center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][dsm_typing_effect before_typing_effect=&#8221;Invest in &#8221; typing_effect=&#8221;yourself.|your future.&#8221; typing_speed=&#8221;50ms&#8221; typing_backdelay=&#8221;3000ms&#8221; typing_cursor=&#8221;| &#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h2&#8243; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;60px&#8221; custom_margin=&#8221;||0px||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;48px&#8221; header_font_size_phone=&#8221;36px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_typing_effect][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>IPPA Powerful Tax-Deferred Retirement Savings ToolAn Individual Pension Plan (IPP) is a powerful tax-deferred retirement savings tool designed for incorporated professionals \u2014 especially business owners \u2014 who are over 40 and earn a consistent high income through their professional corporation. Here\u2019s a detailed breakdown of the key benefits of using an IPP for a business owners in Canada:Higher Contribution Limits Than RRSPs IPPs allow larger annual contributions than RRSPs, especially as you age. Contribution limits increase with age because they\u2019re based on pension formulas and projected retirement income. ExampleAt approximately age 53, you can contribute about $30,000\u2013$40,000\/year to an RRSP. With an IPP, you might contribute $45,000\u2013$55,000\/year or more.Fully Tax-Deductible to the CorporationAll contributions to the IPP are paid by your corporation and are 100% tax-deductible. This includes:Annual contributionsPast service contributions (if you incorporate after practicing for a few years)Special payments (e.g., for losses or terminations)Tax-Sheltered Growth Assets in the IPP grow tax-deferred, just like RRSPs. Investment income is not taxed until the funds are withdrawn in retirement, when you may be in a lower tax bracket. Enhanced Retirement Security An IPP is a defined benefit plan, meaning it provides a predictable retirement income. You\u2019re not relying solely on market [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-11444","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IPP | Rosen Group Private Wealth Management<\/title>\n<meta name=\"description\" content=\"You are entitled to a high level of proactive, courteous service from Rosen Group Private Wealth Management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rosengroup.ca\/fr\/individual-pension-plan\/\" \/>\n<meta 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