{"podcast":{"title":"The Cash Rich Exit Podcast","slug":"the-cash-rich-exit-podcast-12661","podcast_index_feed_id":12661,"rss_url":"https://iamamillionairesonowwhat.libsyn.com/rss","website_url":"http://thecashrichexitpodcast.libsyn.com/website","image_url":"https://static.libsyn.com/p/assets/e/1/9/5/e1958bc3f386ebea16c3140a3186d450/EP278.png","author":"Colleen O'Connell-Campbell","episode_count":100,"summary":"Colleen O'Connell-Campbell hosts The Cash Rich Exit Podcast dedicated to business owners planning for a crucial financial step - exiting your business. Featuring a diverse array of guests from various industries and ideologies, each episode dives into strategies for building not just an exit, but a cash-rich one. Topped off with 'fun, frank advice,' this podcast is your roadmap to a successful business exit.","last_synced_at":"2026-07-01T02:17:27.325916+00:00","page_url":"https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661"},"episode":{"title":"EP338 IPPs 101 (Ontario Edition) - A Practical Guide for Ontario Business Owners","slug":"ep338-ipps-101-ontario-edition-a-practical-guide-for-ontario-business-owners","published_at":"2026-01-13T13:00:00+00:00","page_url":"https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661/ep338-ipps-101-ontario-edition-a-practical-guide-for-ontario-business-owners","show_page_url":"https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661","url":"https://iamamillionairesonowwhat.libsyn.com/ep338-ipps-101-ontario-edition-a-practical-guide-for-ontario-business-owners","audio_url":"https://traffic.libsyn.com/secure/iamamillionairesonowwhat/EP_338_-_Solo_on_IPPs.mp3?dest-id=708100","summary":"Host Colleen O'Connell-Campbell breaks down the basics of individual pension plans (IPPs) for Ontario incorporated business owners and professionals. She explains what an IPP is, who it fits best, and why it can be a powerful tool for turning corporate success into predictable personal retirement income as part of a cash rich exit strategy. Episode overview If you are incorporated in Ontario, this is a practical primer on how an IPP works as a defined benefit pension plan set up by your corporation. Colleen covers why IPP contribution room can outpace RRSP room after age 40, how contributions are generally tax deductible to the corporation, and how IPP planning supports personal income clarity after a sale or as part of succession planning. What you will learn What an IPP is, in plain english, and how an actuary sets the funding math under Canadian rules Why IPPs can allow bigger deductible contributions as you get older, especially after age 40 How IPP contributions move value from corporation to personal income, in a structured way The common fit profile (Ontario corporation, T4 income, age 40–71, profitable business that can fund contributions) How IPP funding can include current service, past service, make-up contributions, and terminal funding near retirement What your options can be at retirement or if you sell (start pension income, commute value, or annuitize) The tradeoffs: IPPs are not \"cash jars,\" and they come with cost, complexity, and an ongoing contribution commitment Key highlights Why IPPs show up in exit planning Colleen frames IPP planning as part of the \"personal income clarity\" that founders want after an exit, while still interacting with tax strategy and transferable business value decisions (including how you pay yourself). Governance and guardr…","meta_description":"Host Colleen O'Connell-Campbell breaks down the basics of individual pension plans (IPPs) for Ontario incorporated business owners and professionals. She…","key_points":[],"chapters":[],"topics":[],"duration_seconds":803,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-cash-rich-exit-podcast-12661/episodes/ep338-ipps-101-ontario-edition-a-practical-guide-for-ontario-business-owners/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-cash-rich-exit-podcast-12661/ep338-ipps-101-ontario-edition-a-practical-guide-for-ontario-business-owners.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}