# EP340 The Pension Playbook

Page: https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661/ep340-the-pension-playbook
Text version: https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661/ep340-the-pension-playbook.md
Podcast: [The Cash Rich Exit Podcast](https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661)
Published: 2026-02-10T13:00:00+00:00
Episode link: https://iamamillionairesonowwhat.libsyn.com/ep340-the-pension-playbook
Audio file: https://traffic.libsyn.com/secure/iamamillionairesonowwhat/340__IPP_JP_Laporte.mp3?dest-id=708100
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JSON: https://stenobird.com/v1/public/podcasts/the-cash-rich-exit-podcast-12661/episodes/ep340-the-pension-playbook
Duration seconds: 2501

## Resource

Episode Summary: Forget everything you thought you knew about pension plans being just for government workers. In this episode, pension lawyer Jean-Pierre (JP) Laporte, Pension Lawyer and Founder, Integris Pension Management, joins host Colleen O'Connell-Campbell to share a series of powerful, real-life case studies showing how registered pension plans - including Individual Pension Plans (IPPs) and Personal Pension Plans - are quietly and dramatically transforming the wealth trajectories of incorporated business owners across Canada. From a 73-year-old founder who saved his family $4 million in a single phone call, to a lawyer who discovered his pension was exempt from departure tax when relocating abroad, these are stories of what happens when the right strategy meets the right advisor. JP also breaks down the seven tax deductions available through a registered pension plan, the 2020 Ontario regulatory changes that removed the biggest barriers to entry, and why the only thing standing between most business owners and better retirement outcomes is awareness. Key Takeaways Since December 8, 2020, Ontario eliminated provincial registration requirements for connected persons, removing mandatory contributions, locking-in rules, and provincial fees - a major change for business owners. Registered pension plans offer up to seven corporate tax deductions, compared to the single annual RRSP contribution - including past service recognition, higher annual contributions (up to ~30% by age 64), special catch-up payments, investment management fee deductions, loan interest deductions, and terminal funding contributions for early retirement. Family business owners can add children to the pension plan once they are employed, creating a multigenerational wealth transfer vehicle with…

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## Transcript

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