EP338 IPPs 101 (Ontario Edition) - A Practical Guide for Ontario Business Owners

About this episode

Colleen O'Connell-Campbell explains the basics of individual pension plans for Ontario business owners and their benefits for retirement income.

Host Colleen O'Connell-Campbell breaks down the basics of individual pension plans (IPPs) for Ontario incorporated business owners and professionals. She explains what an IPP is, who it fits best, and why it can be a powerful tool for turning corporate success into predictable personal retirement income as part of a cash rich exit strategy. Episode overview If you are incorporated in Ontario, this is a practical primer on how an IPP works as a defined benefit pension plan set up by your corporation. Colleen covers why IPP contribution room can outpace RRSP room after age 40, how contributions are generally tax deductible to the corporation, and how IPP planning supports personal income clarity after a sale or as part of succession planning. What you will learn What an IPP is, in plain english, and how an actuary sets the funding math under Canadian rules Why IPPs can allow bigger deductible contributions as you get older, especially after age 40 How IPP contributions move value from corporation to personal income, in a structured way The common fit profile (Ontario corporation, T4 income, age 40–71, profitable business that can fund contributions) How IPP funding can include…

People in this episode

Host: Colleen O'Connell-Campbell

Topics covered

• individual pension plans
• retirement income
• cash rich exit strategy
• Ontario business owners
• defined benefit pension plan
• tax deductible contributions

Keywords

• IPP
• Ontario
• retirement
• corporate success
• tax deductions
• succession planning
• defined benefit

Mentioned in this episode

Organizations: RBC Dominion Securities

Books & works: individual pension plans (IPPs)

Places: Ontario

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