Ep. 18: Pensions for Incorporated Business Owners

Ep. 18: Pensions for Incorporated Business Owners

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

November 14, 2025 · 1h 55m · Episode 18

About this episode

The episode explores the complexities of pensions for incorporated business owners in Canada, discussing various pension structures and their implications for retirement planning.

In this episode of The Money Scope Podcast, Benjamin Felix and Dr. Mark Soth (The Loonie Doctor) take a deep dive into the complex world of pensions for incorporated professionals. They unpack the pros and cons of the various pension structures available in Canada—from RRSPs and IPPs to MEPPs—and explain how these compare in terms of tax treatment, investment flexibility, creditor protection, and long-term retirement security. Through their discussion, Ben and Mark illuminate how pensions really work for business owners who are both employer and employee, why "pension envy" can cloud rational decisions, and how evidence and math—not marketing—should guide your retirement planning. They also explore the behavioral and psychological side of pensions: why risk pooling matters, how defined benefit plans manage longevity and sequence risk, and when the added complexity of an IPP or MEPP might actually be worth it. This is one of the most comprehensive overviews of pensions you'll hear—combining research, real-world application, and practical insight for anyone trying to optimize their corporate retirement strategy. Key Points From This Episode: Why pensions matter for Canadian…

People in this episode

Hosts: Benjamin Felix, Dr. Mark Soth

Topics covered

  • pensions
  • incorporated business owners
  • retirement planning
  • tax treatment
  • investment flexibility
  • creditor protection
  • behavioral finance

Keywords

  • pensions
  • RRSPs
  • IPPs
  • MEPPs
  • retirement security
  • tax treatment
  • investment flexibility
  • creditor protection

Mentioned in this episode

Places: Canada

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