# EP339 The ABCs of IPPs and RCAs

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Text version: https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661/ep339-the-abcs-of-ipps-and-rcas.md
Podcast: [The Cash Rich Exit Podcast](https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661)
Published: 2026-01-27T13:00:00+00:00
Episode link: https://iamamillionairesonowwhat.libsyn.com/ep339-the-abcs-of-ipps-and-rcas
Audio file: https://traffic.libsyn.com/secure/iamamillionairesonowwhat/339_Munner_Clark.mp3?dest-id=708100
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JSON: https://stenobird.com/v1/public/podcasts/the-cash-rich-exit-podcast-12661/episodes/ep339-the-abcs-of-ipps-and-rcas
Duration seconds: 2618

## Resource

In this episode of The Cash Rich Exit Podcast, host Colleen O'Connell-Campbell sits down with Muneer Feeroze and Clark Steffy of Canadian Benefits Associates to unpack two powerful retirement tools for incorporated entrepreneurs: individual pension plans (IPPs) and retirement compensation arrangements (RCAs). Together, they walk through where these plans can outperform an RRSP, what "tax smart" really means in practice, and the operational realities founders need to understand before setting anything up. In this conversation, they cover: Who an IPP is for, and when it starts to beat an RRSP Muneer explains that IPP contribution room increases with age, and outlines a crossover point where the IPP can become more compelling than the standard RRSP approach. The income detail founders often miss If you want to build contribution room, the plan is tied to T4 income rather than dividend income. This becomes part of the "prep phase" for incorporated owners who have flexibility in how they pay themselves. The alphabet soup explained: why RCAs show up in the same conversation They position an RCA as a way to fund retirement benefits beyond the IPP's cap, and discuss how these tools can work as a broader strategy for lowering tax burdens and boosting retirement outcomes. Flexibility versus access: what you can (and cannot) do with IPP assets They discuss the reality that IPPs can be funded with flexibility, but accessing the assets is more rigid unless you wind the plan up, which takes time and has costs. Creditor protection as a strategic feature They explain how an IPP is funded into a beneficiary trust structure, and why that can provide meaningful creditor protection relative to keeping assets inside the corporation. What it costs to run an IPP Unlike an RRSP, IPPs require…

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## Transcript

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