Ep. 18 Case Conference: Pensions for Incorporated Business Owners

Ep. 18 Case Conference: Pensions for Incorporated Business Owners

From The Money Scope Podcast by Benjamin Felix & Dr. Mark Soth

December 19, 2025 · 1h 50m · Episode 18

About this episode

The episode explores pension options for Canadian incorporated professionals, comparing IPPs and MEPPs through case studies.

In this episode of Money Scope, Benjamin Felix and Dr. Mark Soth take a deep look into pension options for Canadian incorporated professionals. Building on their previous pension episode, they analyze whether Individual Pension Plans (IPPs) or Multi-Employer Pension Plans (MEPPs) like HOOP make sense through real-world case studies. Financial planner Aravind Sithamparapillai joins to break down detailed modeling of HOOP and how it compares to RRSPs, IPPs, and RCAs. The conversation tackles tax implications, income planning, and behavioral factors that affect pension decisions—equipping listeners with a clearer framework to assess their own options. Key Points From This Episode: [00:00:12] Overview of pensions for Canadian business owners [00:01:44] Case studies preview: IPPs and MEPPs [00:03:34] Complexity of pension planning and HOOP analysis [00:05:09] IPP Case 1: High income but scaling back work [00:08:14] Modeling impact of IPP on flexibility and income stability [00:10:32] IPP Case 2: Dual high-income professionals and tax strategy [00:13:28] Use of different compensation types to manage RDTOH [00:15:05] IPP Case 3: Moderate income and $2.5M corporate portfolio [00:18:11]…

People in this episode

Hosts: Benjamin Felix, Dr. Mark Soth

Guest: Aravind Sithamparapillai

Topics covered

  • pensions
  • financial planning
  • tax implications
  • income stability
  • case studies

Keywords

  • pensions
  • Canadian business owners
  • Individual Pension Plans
  • Multi-Employer Pension Plans
  • tax strategy

Mentioned in this episode

Organizations: Individual Pension Plans, Multi-Employer Pension Plans, HOOP, RRSPs, RCAs

Places: Canada

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