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About IPPs
Services & Fees
Minimum Adequate Knowledge
Eligibility for Pension Coverage
Eligibility for Past Service Benefits
Impact on RRSP Deduction Limit
IPP Investment Restrictions
Locking-In
Beneficiary Designation
Maximum Transfer Limit
Maximum Transfer Rule
Mandatory Minimum Company (Employer) Contributions
Potential Additional Liability on Plan Termination
IPP Implementation Time Table
Application for Registration
Time-Sensitive Implementation
Data Errors
Year End Madness
IPP Contributions
Deductibility of Company Contributions
Deductibility - Timing of IPP Implementation
Minimum Company Contributions
Maximum Company Contributions
Contribution In-Kind
Pension Legislations
Death Benefits
Retirement Compensation Arrangement (RCA)
RCA Defined
CRA Refundable Tax
Advantages
Disadvantages
Investments
Plan Design Issues
Coordination of Retirement Savings/Retirement Consumption
Services Provided by IPP Online
Fees charged by IPP Online
Frequently Asked Questions
Glossary of Terms
A. IPP Basic Concepts
A1. What is an Individual Pension Plan (IPP)?
A2. Who is the IPP member?
A3. Who is the IPP plan sponsor?
A4. Can a "predecessor employer" sponsor an IPP?
A5. How are eligible IPP contributions calculated?
B. IPP / RRSP Relationships
B1. What is a Registered Retirement Savings Plan (RRSP)?
B2. How are DB Plan benefits related to DC Plan contributions?
B3. How is a Pension Adjustment (PA) calculated?
B4. When can the IPP tax-shelter larger contributions than the maximum RRSP?
B5. How is the IPP Member's Past Service Pension Adjustment (PSPA) Determined?
B6. What is my RRSP deduction limit if I join an IPP in the current year?
B7. What are eligible periods of IPP Past Service?
B8. How can I determine my current RRSP deduction limit?
C. IPP / RRSP Comparisons
C1. What are the advantages and disadvantages of the IPP compared to an RRSP?
C2. What are the differences between IPP current service costs and maximum RRSP contributions for a 60-year-old plan member commencing an IPP on January 1, 2007?
C3. How much can the IPP plan member who is a connected person tax-shelter in 2007?
D. IPP Funding & Investments
D1. What are the possible IPP plan funding vehicles?
D2. What are the minimum IPP funding requirements?
D3. What is the frequency of minimum IPP contributions?
D4. What are the investment rules?
D5. What is the minimum T4 earnings necessary to produce the maximum dollar Current Service Contribution?
D6. What is the Contribution In-Kind?
E. IPP Eligibility Process
E1. How do I know if I'm a good candidate for IPP?
E2. If the IPP / RRSP comparison is favourable, what do I do next?
E3. Why does Westcoast Actuaries Inc. recommend IPP's with only one member?
E4. Should I set-up an IPP with the commuted value transfer from my previous defined benefit pension plan?
F. IPP Services Package & Fees
F1. What are IPP Online's annual fees for an IPP?
F2. What services are included?
G. IPP Terminal Funding
G1. What is terminal funding?
G2. How does terminal funding work?
G3. How do I get a terminal funding quotation?
H. IPP Payouts
H1. What are the death benefits?
H2. What are the benefit options?
The IPP Process
Step 1: Request for a Personalized Quote
Step 2: Understanding the Quotation
Step 3: Setting up the IPP
Step 4: Signing
Step 5: Registering the Plan with CRA
IPP Portfolios
Investing Science - not Speculation
Passive vs. Active Investing
Diversify Away Risk
View Portfolios
View Rules
IPP Survey - is an IPP right for you?
Resources & Downloads
What is an IPP?
Downloadable material
IPP vs RRSP
IPP Fees Comparison
Sample IPP
A. Client Data
B. IPP Contribution Summary
C. IPP/RRSP Comparion - Assumptions
D. IPP/RRSP Comparison - with IPP
E. IPP/RRSP Comparison - without IPP
Dealer Enquiries
Contact IPP Online