♿ Investments

Registered Disability Savings Plan

Long-term financial security for Canadians with disabilities. The RDSP includes government grants and bonds — some of the most generous matching in any Canadian savings plan.

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Key Benefits

('Government grants up to 300% of contributions (income-tested)', 'Canada Disability Savings Bond: free $1,000/yr (no contribution needed)', 'Tax-sheltered growth inside the plan', 'Lifetime contribution limit: $200,000', 'Disability payments are partially taxable at withdrawal (lower bracket)', 'Survivor benefit planning available through life insurance pairing')

🏗️ Engineering Your Wealth

Just like a structure needs each component working together, your investments need to be coordinated with your insurance, tax situation, and retirement goals.

I provide a full financial picture — not just one product — so every dollar works harder for you.

Common Questions

Who qualifies for an RDSP?

Canadians eligible for the Disability Tax Credit (DTC), under age 60, who are residents of Canada. A DTC application is usually the first step.

What are the government grants?

The Canada Disability Savings Grant matches contributions up to 300% depending on family income and amount contributed. The Canada Disability Savings Bond provides up to $1,000/year with no contribution required for low-income individuals.

Are there withdrawal restrictions?

Yes — the RDSP has a 10-year rule. If you withdraw within 10 years of receiving a grant or bond, those amounts must be repaid. Proper long-term planning is essential.

What happens to the RDSP if the person passes away?

The RDSP must be closed by December 31 of the following year, and funds distributed to the estate after repayment of grants and bonds received in the last 10 years.

Registered Disability Savings Plan

Key Benefits

🏗️ Engineering Your Wealth

Common Questions

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