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Tina Maltese
Nicola Miller

1959, 152 Street
Suite 270
White Rock, BC
V4A 9E3

Individual Pension Plans (IPP)

Benefits for Business Ownders and Professionals

• For individuals over age 40, an IPP allows for higher
tax deductible contributions than an RRSP

• Assets within an IPP can be protected from creditors

• In some cases, significant lump-sum past service
contributions can be made when first establishing an IPP

• Higher tax deductible ongoing contributions … the older
the member, the greater the contribution

• IPP contributions may be topped up if investment returns
are insufficient. In an RRSP, poor investment performance
cannot be made up for by additional contributions

• Significant tax-deductible lump sum contributions at the
time of actual retirement are possible in most circumstances

• Allows small business owners to defer taxes and
confidently plan for retirement.

Learn More about Individual Pension Plan.