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INTEGRIS Pension Management

Corporate Pension PlansFor Business Owners Who've Outgrown RRSPs

INTEGRIS administers institutional-grade pension structures that deliver significantly higher contribution limits, creditor protection, and tax efficiency than registered retirement accounts.

$57,370+Annual Contribution (Age 55)
HighestCreditor Protection
$800K+¹More Than An RRSP

¹ Lifetime difference vs RRSP, assuming identical rate of return.

CRA Registered
Conflict-Free
Pension-Law Expertise
Creditor Protected
Est. 2011

Two Paths to Institutional Retirement

Which structure fits your business?

Both are funded by tax‑deductible corporate contributions. The difference is how much flexibility you want year to year.

PPP®

Most Popular

Personal Pension Plan · Maximum flexibility

Contribute far more than an RRSP — and stay flexible

Suits income that is
Variable — strong years and lean years
Contributions
Flex up in strong years, down in lean ones
Typical owner age
From 19
What's inside
Defined benefitDefined contributionAdditional voluntary (AVC)

IPP

Individual Pension Plan · Guaranteed security

Predictable retirement income, guaranteed

Suits income that is
Steady — and you want predictable outcomes
Contributions
Set by formula, with top‑ups when investments fall short
Typical owner age
40 and older
What's inside
Defined benefitAdditional voluntary (AVC)

Both plans

  • Tax‑deductible to your corporation
  • For incorporated owners drawing $60K+ T4 salary
  • Registered with the CRA
  • Can credit past years of service
Add-on · income over $250K

RCA (Retirement Compensation Arrangement) — pair it with an IPP or PPP® for uncapped tax‑deferred savings.

Learn more

See Your Number

How much more could your corporation contribute?

Compare a Personal Pension Plan to an RRSP with your own numbers. No account, no email — just your figures and an instant projection.

Open the calculator

Estimates are for illustrative purposes only. Actual results depend on your individual circumstances.

Our Process

From discovery to administration

We guide you through a structured process. You retain full control of investment decisions—we handle everything else.

Step 1

Illustration Request

Complete our quick e-form with your income details and receive a detailed illustration instantly.

Instant
Step 2

Plan Setup

Complete your setup form and upload your supporting documents.

~1 hour
Step 3

Verification & Submission

Our team verifies everything is in order and submits your plan to CRA for registration.

1-2 days
Step 4

CRA Registration

CRA reviews and approves your pension plan registration.

3-6 months
Ongoing

Administration

Plan governance and oversight, regulatory filings and compliance monitoring, administrative continuity, and lifecycle fiduciary stewardship.

Annual

Role of INTEGRIS

As your fiduciary pension administrator, INTEGRIS is responsible for:

  • Fiduciary administration responsibilities
  • Regulatory compliance oversight
  • Coordination with actuaries, custodians, accountants, and advisors

Conflict-Free Administration

We do the actuarial work.
You keep control of everything else.

INTEGRIS operates under a pure fiduciary standard. We don't sell investment products, manage assets, or compete with your existing advisors. Our only job is pension administration.

Schedule a Consultation
For You

Investment Freedom

Choose any qualified investments. We have no products to sell and no conflicts of interest.

For Your Advisor

Full Mandate Retention

Your wealth manager keeps 100% of AUM. We handle actuarial—they handle assets.

For Your Accountant

Clean Tax Integration

All pension contributions flow through as corporate deductions. Simple, auditable, compliant.

After You Join

What an INTEGRIS relationship looks like

Setting up the plan is just the start. Here is the ongoing work we handle so your pension stays compliant and optimized, year after year.

Annual plan health check

Each year our actuaries revalue your plan and confirm your maximum deductible contribution.

Your member portal

Track contributions, statements, and plan documents in one secure place, anytime.

Compliance handled for you

We manage CRA filings, regulatory updates, and fiduciary oversight so you don't have to.

Your advisors stay in place

We coordinate with your accountant and wealth manager — we administer, they keep the relationship.

Common Questions

Frequently Asked Questions

Still curious? Our team of pension specialists is ready to walk you through the details and determine if a pension plan is right for your situation.

You need an employment relationship with T4 income to qualify. While the plan sponsor is typically an incorporated company, other entities (like Limited Partnerships) may sponsor a plan for T4 employees. Sole proprietors relying on business income do not qualify.

Advisor Exclusive

Join the INTEGRIS President's Club

The INTEGRIS President's Club is an advisor-only subscription for professionals who want deeper insight, practical pension strategies, and direct access to INTEGRIS leadership.

Monthly President's Club Study Sessions — interactive Teams discussions led by our CEO and pension experts
Exclusive Q&A Access — ask questions live and get clarity on complex client scenarios
Early Access to Updates — hear first about new tools, legislative changes, and strategies that impact your clients
Advisor-Focused Insights — curated, practice-building content not available through public channels
Direct invitations — never miss a session or announcement