Smarter Retirement Planning Beyond RRSPs

🔍 IPP vs RCA: Advanced Tax Planning Strategies for Business Owners Are you a business owner or incorporated professional looking to reduce taxes and build long-term retirement wealth? In this video, we break down two powerful and often overlooked tax planning tools in Canada: the Individual Pension Plan (IPP) and the Retirement Compensation Arrangement (RCA). Most high-income earners quickly outgrow traditional options like RRSPs. That’s where IPPs and RCAs come in—offering greater flexibility, larger contribution limits, and significant tax advantages designed specifically for corporate structures and executive compensation. 📌 What You’ll Learn: ✅ What an IPP is and how it provides a defined-benefit pension with higher contribution limits and tax-deferred growth ✅ How an RCA allows for unlimited contributions to fund retirement income beyond traditional plan limits ✅ How both strategies can create corporate tax deductions and reduce active business income ✅ Why IPPs and RCAs are ideal for business owners, incorporated professionals, and high-income executives ✅ How these tools help with tax deferral, retirement income planning, and income splitting strategies 💡 Key Benefits of IPPs & RCAs: • Larger retirement contributions compared to RRSPs • Tax-deferred investment growth inside the plan • Corporate-funded retirement savings (tax-deductible contributions) • Flexible retirement income planning • Ability to top up pensions beyond traditional limits • Potential income splitting opportunities in retirement 👤 Who This Is For: ✔️ Incorporated business owners ✔️ Professionals earning $150K+ ✔️ Individuals looking to optimize corporate tax strategies ✔️ Anyone who has already maximized RRSP and TFSA contributions ⚠️ Important Note: IPP and RCA strategies are advanced planning tools and must be structured properly to align with CRA rules and your overall financial plan. 📞 Want to explore if an IPP or RCA is right for you? Visit 👉 www.tvhfinancial.ca Book

Added 21 May 2026