On a Mission to Improve
CANADIAN PENSION LEGISLATION

Jean-Pierre Laporte has leveled the playing field for incorporated professionals to take advantage of pension benefits.

Jean-Pierre Laporte

B.A., M.A., J.D. (of the Bar of Ontario)
Co-Founder and CEO of INTEGRIS Pension Management Corp.

In 2004, Jean-Pierre Laporte set out to create a better solution for investors that wanted improved asset protection while minimizing taxes. With an impressive academic background at the University of Toronto, Osgoode Hall Law School and the Institut d’Etudes Politiques de Paris, he is often called upon as an expert witness before the House of Commons Standing Committee on Finance, and he has written several seminal articles on pension reform, including an expansion of the Canada Pension Plan.

Drawing on over a decade of experience as a pension lawyer for several prestigious Toronto firms, including Bennett Jones LLP, Fasken Martineau LLP, Osler and Hoskin & Harcourt LLP, he has dedicated his career to improving pension legislation. Frustrated that the significant benefits of pensions were not readily available to those outside of large companies, Jean-Pierre created the Personal Pension Plan ™ to level the playing field and open up a new world of financial options and increased retirement savings for incorporated professionals. Currently the co-founder of INTEGRIS Pension Management, Jean-Pierre is a sought after speaker and can be reached for content or inquiries at jp.laporte [at] integris-mgt.com

Initial

Income Tax Act amendments come into force, allowing for registered pension plans for individuals.

Progress

Province of Ontario adopts legislation giving certain professions the right to incorporate their practices, thereby giving them the opportunity to establish a registered pension plan.

Published

Pension lawyers Jean-Pierre Laporte and Sheldon Wayne publish "Individual Pension Plans: Are they worthy of a second look?" in the Estate Trust and Pension Law Journal, providing an early road map to the creation of INTEGRIS.

Established

INTEGRIS Pension Management Corp. is incorporated. SSQ Financial and Industrial Alliance become service providers (pension fund-holders) for INTEGRIS plans.

Acceptance

Canadian Western Trust becomes a pension plan fund-holder for MFDA, IIROC and ICPM investments.

Federal Government introduces tax legislation that virtually negates the advantage for business owners of receiving compensation from their private corporations in the form of non eligible dividends after factoring the corporate taxes paid. Many accountants revisit earlier advice to avoid T4 income (salary and/or bonuses) and adopt a more balanced approach making it possible for their clients to set up a PPP.

Ontario adopts Ontario Retirement Pension Plan legislation that would have mandated all Ontario employers to contribute to this new provincial plan. Clients with PPPs would have been exempted from this new regime.

INTEGRIS PPPs sold in a number of provinces including B.C., Alberta, Saskatchewan, Ontario and Québec. INTEGRIS partners with Cygnus Investment Partners LP to give its clientele access to the private equity solutions that large pension plans currently use.

Canadian Western Trust becomes a pension plan fund-holder for MFDA, IIROC and ICPM investments.

Federal Minister of Finance Bill Morneau introduces a package of tax reforms that impact entrepreneurs who operate their business through Canadian Controlled Private Corporations. These new measures make it virtually impossible to save for retirement by treating the private corporation as if it were a quasi-pension plan thereby increasing further the usefulness of Personal Pension Plans and Retirement Compensation Arrangements as tax-effective retirement solutions.


In 2012, Jean-Pierre received the Queen Elizabeth II Diamond Jubilee Medal for his leadership in the development of new forms of retirement savings plan.

For more information

Let us know if you or your financial advisor have any questions on how to realize the full potential of the PPP.