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Individual Pension Plan

Made-to-measure plan designed for company owners and self-employed individuals

Paid by the Company or Employer

An IPP is often set up when a company has generated significant earnings and wants to avoid paying too much tax.  Employers can choose to pay contributions into their IPP, which will be an expense for the company—reducing its earnings and therefore its tax burden.

Services provided with the IPP

Fees charged for the IPP are entirely tax-deductible and our IPP services are provided by our qualified advisors, including:

  • Preparation, implementation and registration of your plan with the Canada Revenue Agency and provincial authorities, where applicable;

  • Actuarial valuations, ongoing legislative compliance and calculation of annual pension adjustments;

  • Plan administration and reporting;

  • Daily reporting on your investment fund returns.


  • Allows more money to be saved for retirement than an RRSP.

  • Increases your retirement pension by using best years of past service in pension calculation.

  • Customized benefit indexation can mean early retirement without reduction.

  • Your assets in the IPP grow tax-free until retirement—and possibly continue tax-free growth after retirement if your pension benefits are drawn directly from the IPP.

  • Assets in an IPP are exempt from seizure by creditors and contributions to social programs such as EI and CPP do not apply to money invested in your IPP.


Learn more about IPP options from our Frequently Asked Questions, then contact us for quote rates.

  • What is extended health care?
    Extended health care can be grouped as whatever the government health plans do not cover might be covered in the group health plans subject to the coverage decisions. Typically items like prescription drugs, chiropractors, massage therapists and physiotherapists and more paramedical providers, Vision care, out of country emergency insurance and a variety of covered items are included in extended health care.
  • What kind of Extended Group Health plan is best?
    There are multiple plan types in group health, insured experience rated, insured pooled and self-insured. All plan types can be good; it just depends on your situation.
  • Are extended health benefits a taxable benefit?
    Extended health benefits are a non-taxable benefit and, due to this tax treatment ,the market has developed around employers providing coverage to its employees. The plans available in the market are generally available to employers at lower prices and better terms than an employee could buy for themselves.
  • How does the claims process work?
    Claims are progressing faster and faster. From pay-direct drug cards with instant payment at point of sale; online and mobile app claims submission; direct service provider submission; the pace of claim reimbursement is increasing all the time. The percentage paid on a claim is typically a choice made in the plan design by the plan sponsor.
  • Who pays the claims?
    The insurer or service provider pays the claims.
  • What is a health spending account?
    A health spending account is a set amount of money which can be used to pay for CRA eligible medical expenses.

Click below to contact us and/or send us information on which you want our advice.

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