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Individual Pension Plans

  • An  IPP  is a Personal Defined Benefit Pension Plan.

  • Contributions are determined by an Actuary and made by your Corporation.

  • All Expenses for setting up and funding  the Plan are deductible by the Plan Sponsor.

  • The IPP is subject to Provincial Legislation and The Income Tax Act.

  • A Valuation must be completed every three years by the Actuary to ensure the Plan stays on track.

  • Potential for Creditor Protection.

  • It is possible ,under certain circumstances, to contribute for past years of Service.

  • Terminal Funding to modify the IPP provisions at Retirement  to maximize Retirement Benefits .

  • Numerous Options available at Retirement.

  • Retirement Income is usually greater than the Income provided by an RRSP.

          Please contact me today:

          Ronald C. Sparkes, CFP,CLU,CH.F.C.
          Chartered Financial Consultant

          Bus:    +1.709-576-1669
          Cell:    +1.709-682-3100
          Fax:    +1.709-576-1832