Is There a Better Way to Save for Retirement in 2025?

Book a FREE call here: https://calendly.com/s-francescut-ipc...

If you're a successful Canadian business owner or incorporated professional, chances are you’ve heard that your RRSP is your primary retirement planning tool. And while RRSPs are a great start, they come with contribution limits, limited flexibility, and don’t always offer the tax efficiency or protection you need once your income grows and retirement nears.

That’s where an Individual Pension Plan (IPP) comes in—a powerful, often-overlooked alternative designed specifically for high-income Canadians over 40. If you’ve ever thought, “I wish I could contribute more to retirement while lowering my corporate taxes,” this video is for you.

In this video, I’ll explain:

What an Individual Pension Plan (IPP) is and how it works for incorporated professionals

How IPPs compare to RRSPs, including contribution limits, tax deductibility, and creditor protection

Why age matters — and how your IPP contribution room grows significantly as you get older

How IPPs allow your corporation to make large, tax-deductible contributions to your retirement

Strategies to purify your corporation, reduce passive income, and support eligibility for the lifetime capital gains exemption (LCGE)

The costs, obligations, and reporting requirements to be aware of

When an IPP makes sense — and when an RRSP may still be better

Whether you’re looking to extract retained earnings, protect assets from litigation, or simply save more efficiently, an IPP can be the retirement upgrade you didn’t know you needed.

Ideal for:

Business owners and professionals over age 40
Incorporated individuals with consistent T4 income over $100,000
Those who’ve already maxed out their RRSP
Canadians looking for corporate tax deductions and personal retirement income
Anyone wanting greater creditor protection and predictable pension benefits

While an IPP isn’t for everyone, it can be one of the most powerful retirement planning tools for incorporated professionals—if structured properly. The earlier you explore this strategy, the more time you have to maximize contributions, integrate tax strategies, and coordinate with your long-term financial goals.

If you’re ready to explore whether an IPP fits your personal and corporate plan, click the link above to book a strategy session. I’ll walk you through your numbers, explain your options clearly, and help you make an informed decision about whether this powerful tool belongs in your retirement strategy.

Let’s take the Next Step—toward a smarter, more tax-efficient retirement.




#individualpensionplan #canadianbusinessowners #retirementplanningcanada #rrvspvsipp #incorporatedprofessionals #taxefficientretirement #corporateplanning #retirementstrategiescanada #ippexplained #canadiantaxplanning #wealthpreservation #highincomeretirement #passiveincomeplanning #corporatetaxstrategy #retirementupgrade #financialplanningcanada #capitalgainsexemption #ipptaxbenefits #pensionplanningcanada #protectyourwealth