PENSION PERKS: The Sessions
Accountant's Guide
Enhancing Tax Efficiency and Wealth Building for Business Owners through IPPs and RCAs
Thursday, January 22, 2026 | Virtual via WebEx | Arrive 11:45 AM
A Fresh 2026 Update for Accountants:
Rethinking IPPs & RCAs
Tax rules evolve.
Planning needs shift. IPPs and RCAs aren’t what they used to be and your clients deserve a current, informed view.
If you’re advising incorporated business owners, you know tax strategy is never static.
IPP and RCA structures have changed — design, compliance, and client use cases.
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CRA expectations have shifted
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Funding rules and flexibilities have evolved
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IPPs are resurfacing in late-career planning
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RCAs are showing up in executive retention & succession conversations
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Many accountants are revisiting these structures as part of 2026 tax planning
Join the 90-minute session built exclusively for tax professionals.
A clear, accountant-centered breakdown based on what is top of mind for attendees:
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When an Individual Pension Plan (IPP) is still a fit — and when it’s not
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How Retirement Compensation Arrangements (RCAs) are being used strategically
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Updated CRA compliance considerations
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IPP/RCA comparisons vs. HOOPP, Medicus, corporate-class solutions
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Case-based examples:
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Late-stage business owners
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Surplus extraction
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Post-sale income smoothing
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Intergenerational planning
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What’s actually working in practice for accountants across Canada
Note: This session provides insight, not advice.
Hosted by:
Colleen O’Connell-Campbell
Wealth Advisor, RBC Dominion Securities
Focused on supporting accountants and business owners with advanced planning strategy.
Thursday, January 22, 2026
Arrive 11:45 AM | Session 12:00–1:00 PM | Roundtable 1:00–1:15 PM
Virtual via WebEx
Limited Accountant-Only Registration
Seats are limited to maintain high-value interaction.
If you want a clear, updated, accountant-focused breakdown of IPPs and RCAs, don’t wait.
Prefer a private session for your firm?
This document has been prepared for use by the RBC Wealth Management member companies, RBC Dominion Securities Inc.*, RBC Phillips, Hager & North Investment Counsel Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company (collectively, the “Companies”) and their affiliate, Royal Mutual Funds Inc. (RMFI). *Member – Canada Investor Protection Fund. Each of the Companies, RMFI and Royal Bank of Canada are separate corporate entities which are affiliated.
The strategies, advice and technical content in this publication are provided for the general information only and benefit of our clients. This publication is not intended to provide specific financial, investment, tax, legal, accounting or other advice for you, and should not be relied upon in that regard. Readers should consult their own professional advisor when planning to implement a strategy to ensure that individual circumstances have been considered properly and it is based on the latest available information. â / ™ Trademark(s) of Royal Bank of Canada. Used under licence. © Royal Bank of Canada. 2025. All rights reserved.
