🇨🇦 Licensed in Ontario, Canada
📞 (647) 995-5891
W
I
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Wisdom · Integrity · Zeal

Invest in their future,
today.

The RESP is Canada's best education savings tool. Start early, get the grants, build the fund.

📈 RESP Calculator

See your RESP grow

$208/mo · 18 yrs · 10% + CESG—
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📊 Try the Full Calculator →
🔒 Free · No sign-up · Fully interactive

Key Benefits

  • Government adds 20% on first $2,500/year (up to $500/yr free)
  • Additional Canadian Learning Bond for low-income families
  • Tax-sheltered growth inside the plan
  • Wide investment options: mutual funds, seg funds, GICs
  • Up to $50,000 lifetime contribution per beneficiary
  • Income earned in RESP taxed in student's hands at withdrawal (low rate)

💡 How I Approach Your Plan

Every financial decision you make affects the rest — your insurance, taxes, investments, and retirement all need to work together. I look at the full picture, not just one product.

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

Common Questions

What is the CESG?
The Canada Education Savings Grant adds 20% on the first $2,500 contributed per year (up to $500/year, $7,200 lifetime). That's free money on top of your savings.
What can RESP funds be used for?
Tuition, books, living expenses, and other education-related costs at any qualifying post-secondary institution in Canada or abroad.
What if my child doesn't go to school?
You can transfer funds to a sibling's RESP, withdraw your contributions tax-free, or roll up to $50,000 into your RRSP (if you have room). Grants must be returned.
Family vs. individual RESP?
A family RESP allows funds to be used by any child you name, giving more flexibility if one child doesn't pursue post-secondary education.
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