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you might be coming here after watching our ifa video which has blown up recently and if not well welcome for the first time today were going to talk about the insured retirement plan or irp and im going to answer big questions like whos it for what is it whos it not for how does it work and how does it fit with ifa strategy so throughout ill be talking about the pros and cons as we go along [Music] all right lets get started who is it for well generally were doing this with business owners who are incorporated and they leave money inside their corporation or their holding company rather than take it out as income and then put it into their rrsp the business owner clients that we have typically dont have our rrsps or they have one that they set up long ago when they worked somewhere and they havent really touched it or added to it since so this makes sense because inside your company the money is taxed at 11 or 12 percent depending on which province you live in whereas if you