Discover the Executive Pension Plan
About the E-PP
As a business owner or incorporated professional, are you looking for a financial vehicle that can outperform the RRSP to provide security for your golden years? Consider the E PP pension fund: the Executive Pension Plan designed specifically for business owners and incorporated professionals. At last, a pension fund for small businesses!
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The Morneau tax reform of 2018 changed the rules and led to a scarcity of income accumulation and splitting strategies. Now picture your company sponsoring your RRSPs, making contributions that are fully deductible and exempt from payroll taxes.
Why choose an E-PP?
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Employer contributions not subject to payroll tax
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Management fees can be deducted by the company
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Plan fees exempt from GST/QST
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Institutional investment platform
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Competitive investment and actuarial fees
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Current service contributions higher than RRSP limits
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Amortization payments (trajectory adjustment):
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to recognize past service
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in case of an actuarial deficit (e.g. return < 7.5%)
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for terminal funding at retirement
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Intergenerational transfer of wealth
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Helps maintain lower tax rate
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Tax planning tool when selling your business
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Retirement income splitting with eligible spouse
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Pension income tax credit
Our approach
Bringing all our rigour, integrity and innovation to bear, we designed a life cycle investment solution covering ages 25 to 71. The aim is to enable business owners and incorporated professionals to establish a scalable, career-long pension fund.
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Our approach is to optimize the possibilities offered by pension plans without compromising the strategy’s overall profitability. We take many variables into consideration, including: returns, personal tax status, corporate tax status, management fees, etc.
How is it structured?
Defined benefit
Defined benefit component for annual contributions over RRSP limits and amortization payments such as past service buybacks.
Defined contribution
Defined contribution component for young business owners wishing to set up a flexible, whole-career vehicle.
Additional voluntary contributions
Additional voluntary contribution component to round out the strategy and transfer existing RRSPs.
