416.867.8092 [email protected]

What We Do

Our Advantage

We specialize in building customized Individual Pension Plans and Retirement Compensation Arrangements.

Both the IPP and RCA permit large tax-deductible contributions to a creditor-proof trust fund for the exclusive use of the business owner and family members.

In cooperation with a network of financial services suppliers, we have established a solid process for expediting on client needs and managing accounts over the long-term. Our partnership with Lesniewski Moore Consulting Group Inc. provides our clients access to one of Canada’s largest and most successful actuarial and consulting firms, providing actuarial and retirement plan consulting services.

Our specialty lies in simplifying and managing the process from start to finish.

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What Is an IPP?

An IPP is a registered, defined benefit plan available to incorporated business owners and professionals. Contributions are made through the corporation based on annual income, age and years of service. IPPs maximize retirement income savings by benefitting from the enhanced funding under Canada Revenue Agency (“CRA”) guidelines.

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IPP Benefits

  • Guaranteed funding opportunity
  • Defined retirement income stream
  • Indexation for inflation
  • Creditor proof
  • Estate planning
  • Tax deductible past-service contributions for earnings since 1991
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What Is an RCA?

A Retirement Compensation Arrangement1 (“RCA”) is a non-registered arrangement whereby funds are placed in trust for an individual by an employer (or occasionally an employee) to cover future obligations.

The RCA is a non-registered arrangement. It is normally used to fund Supplemental Executive Retirement Plans (“SERPs”) and other benefits that cannot be funded under tax-sheltered arrangements.

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RCA Benefits

  • significant contribution levels
  • flexible plan design applications
  • broad range of investment options
  • assignable as collateral for loans
  • creditor proof
  • no impact on registered pension plan or RRSP contribution limits.

Explore the last tax break that is NOT on the government’s hit list.