Announcing the INTEGRIS Personal Pension Plan™ (PPP®) for Aligned Capital Partners Advisors and Clients

This "Advisor Only" web site is designed to provide ACPI advisors information on the Personal Pension Plan™ product offered by INTEGRIS Pension Management Corp. Please make sure to click on the menu (three bars on the left side) for more detailed information.

A Unique Retirement savings Vehicle for Self-Employed Business Owners and Incorporated Professionals.

Pension plans provide the best financial security in retirement, but most self-employed individuals and professionals still do not know that they are available for use. Managing a pension plan is very complex, however, at INTEGRIS we have taken away the complexity of pension plan management so that you, the business owner, can now take advantage of this superior retirement savings option.

If you are self employed, own your own business (e.g. entrepreneur or franchisee) or you are a professional (e.g. accountant, consultant, dentist, doctor, financial advisor, lawyer, etc.) with your own practice, then you should look into this solution.


This site is for Investment Advisor use only.

What is the INTEGRIS Personal Pension Plan™ (PPP®)?

It is the most tax-effective retirement solution permitted under tax legislation for business owners and incorporated professionals, allowing clients to shelter more money than under RRSP rules.

Learn more about the PPP® in this video:




There are 7 new types of tax deductions inside of a PPP® that you cannot find inside of an RRSP:

  • 1. Greater annual deductions ranging from $1,507 at age 40 to $17,302 by age 64 and beyond;
  • 2. Terminal funding to enhance the basic pension (up to $1,500,000 additional corporate tax deductions);
  • 3. Ability of the corporation to make additional contributions to assist in the purchase of past service for previous years (up to $500,000 additional corporate tax deductions);
  • 4. Special Payments (also tax-deductible) if the assets of the pension plan doesn't return 7.5%;
  • 5. Interest paid to lenders for contributions made for the PPP® are tax-deductible;
  • 6. Investment management fees paid on any assets inside the PPP® are tax-deductible;
  • 7. Annual administration, trustee, actuarial fees are also tax-deductible.

It is the most tax-effective retirement solution permitted under tax legislation for business owners and incorporated professionals, allowing clients to shelter more money than under RRSP rules.

Moreover, the PPP® does not compete with insurance-based solutions like universal life policies or whole life policies. In fact, because contributions to PPP generates additional tax savings at the corporate level, these new dollars can be reallocated as premiums for insured retirement plans, thereby creating a 2 for 1 offer (and additional compensation for advisors who understand this).

If you or your clients are an incorporated business owner, or incorporated professional such as an accountant, consultant, dentist, doctor, financial advisor, lawyer, etc. or a franchise owner and take T4 income in the form of salary and/or bonuses, you are eligible to save for your retirement through the INTEGRIS PPP®.



For more information please contact:

Miranda Mclean, Manager of Sales and Business Development at INTEGRIS Pension Management
Direct: 647-956-1605 or Toll-free: 1-844-484-3777 (1-844-4-THE-PPP)

Or your ACPI Relationship Manager



INTEGRIS has setup a Distributor Portal containing a wealth of useful information including an Illustration Request e-Form, other e-Forms and additional marketing materials. These documents will be personalized and branded for each individual ACPI advisor and can be downloaded directly from the Aligned Capital Partners Distributor Portal (https://www.integris-mgt.com/Distributors/Login). Once you have logged in, all these documents, when downloaded, will automatically be branded with your name, email address, phone number and logo.

In addition, INTEGRIS is available to provide individual training in person, either at Head Office in Burlington or via WebEx online conference. This is for advisors who want to take a deeper dive into any or all aspects of the INTEGRIS Personal Pension Plan™ (PPP®).


Actuarial services provided by Industrial Alliance Professional Services Inc. Plan administration provided by INTEGRIS Pension Management Corp.
PPP® is a registered trademark of INTEGRIS Pension Management Corp.