🎓 Investments

Registered Education Savings Plan

Invest in your child's future with government grants. The RESP is the single best way to save for post-secondary education — with free money from the government.

📞 Call (647) 995-5891 💬 WhatsApp 📋 Send a Message

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)")

🏗️ 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

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.

Registered Education Savings Plan

Key Benefits

🏗️ Engineering Your Wealth

Common Questions

Ready to Get Protected?