Personal Pension Plan

What is a Personal Pension Plan?

Personal Pension Plan, PPP

Personal Pension Plan or PPP is a Defined Benefit Pension Plan, or Defined Contribution Plan, established by an incorporated company with unique tax advantages to enhance retirement income for the shareholder-employee owner of the company.

Profile of Suitable Candidates

Incorporated professionals such as:

  • Real Estate agents
  • Doctors, etc.
  • Dentists
  • Lawyers
  • Accountants
  • Owners of Canadian Controlled Private Corporations

*NOTE: The shareholder employee must be receiving T-4 income from the corporation.

Why go with a PPP®?

*PPP is a registered trademark of INTEGRIS Pension.

  • Up to 40% higher annual eligible contribution than with RRSP
  • Tax deductible direct from corporation
  • Ability to make tax-deductible contributions for past years of service
  • Up to seven new deductions from administration and other costs
  • Defined annual growth rate 7.5% and deductible top up opportunities if market downturn or sabbatical
  • Existing RRSPs can be rolled into the registered Pension Plan
  • Multi-family member pension beneficiaries
  • Eases sale of business, generational succession wind-up or estate settlement
  • Creditor protection of pension assets (some caveats apply)
  • Corporate assets moved tax deductible to personal pension plan in trust for beneficiaries
Personal Pension Plan, PPP

For further benefits and implementation information, package and discussion or complimentary consultation, contact Julia Jenkins EPC by phone at 1-250-390-3331 or by email at