{"id":2091,"date":"2023-09-19T20:54:41","date_gmt":"2023-09-19T20:54:41","guid":{"rendered":"https:\/\/whitemont.com\/?page_id=2091"},"modified":"2023-11-03T12:55:47","modified_gmt":"2023-11-03T16:55:47","slug":"corporations-fonds-de-pensions-rrri","status":"publish","type":"page","link":"http:\/\/whitemont.com\/en\/corporations-fonds-de-pensions-rrri\/","title":{"rendered":"Corporations-Fonds de pensions-rrri"},"content":{"rendered":"
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Individual Pension Plan (IPP)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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At WHITEMONT, we provide a complimentary assessment to determine if an IPP is the right fit for business owners who hold more than a 10% stake.<\/p>\n


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Our flourishing solution, marked by transparency, personalized insights, and customization, offers you a plethora of benefits such as:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Enhanced Annual Contributions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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From age 40, IPP contributions surpass those of RRSPs, augmenting your retirement pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Past Service Acknowledgment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The IPP compensates for years you might've prioritized business investments over retirement savings, recognizing service since 1990.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Tax Incentives<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Corporate contributions to the IPP and related fees are tax-deductible. If contributions are financed, the loan's cost is also deductible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Exemption from Payroll Taxes <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If returns dip below the 7.5% annual assumption, the company can offset the deficit, with these contributions being tax-deductible for the firm.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Pension Enhancement Opportunities<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Post-retirement, your company can make additional tax-deductible contributions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Compensate for Plan Shortfalls<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If returns dip below the 7.5% annual assumption, the company can offset the deficit, with these contributions being tax-deductible for the firm.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Facilitated Business Transition<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The IPP can purify shareholder equity, aiding in a future sale and potentially keeping corporate tax within the Small Business Deduction (SBD) bracket.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Income Splitting<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Share benefits between spouses anytime.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Generational Wealth Transfer <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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IPPs offer an avenue to pass wealth to future generations and use fund surpluses for spousal and children benefits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Protection Against Seizure<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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IPP assets are shielded from most creditors, a feature not universally applicable to RRSPs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Fond de pensions \/ RRI (r\u00e9gime de Retraite Individuelle) Chez WHITEMONT, nous offrons une \u00e9valuation gratuite pour d\u00e9terminer si un RRI est adapt\u00e9 aux propri\u00e9taires d’entreprise d\u00e9tenant plus de 10% de participation. Notre solution florissante, caract\u00e9ris\u00e9e par la transparence, des perspectives personnalis\u00e9s et une personnalisation, vous offre une multitude d’avantages tels que : Contributions annuelles
+ Read More<\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2091","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/pages\/2091","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/comments?post=2091"}],"version-history":[{"count":46,"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/pages\/2091\/revisions"}],"predecessor-version":[{"id":4219,"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/pages\/2091\/revisions\/4219"}],"wp:attachment":[{"href":"http:\/\/whitemont.com\/en\/wp-json\/wp\/v2\/media?parent=2091"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}