What an RESP does
A registered account for education savings. The government adds grants on top of your contributions, and the investments grow tax-sheltered until your child enrols in college, university, or a trade program.
A Registered Education Savings Plan (RESP) helps you save for your child's post-secondary education — boosted by free government grant money.
The government adds 20% to what you save.
Savings compound for your child's education.
Maximum lifetime grant per child.
A registered account for education savings. The government adds grants on top of your contributions, and the investments grow tax-sheltered until your child enrols in college, university, or a trade program.
The Canada Education Savings Grant (CESG) matches your contributions. Lower-income families may qualify for additional grants and bonds.
20%
match on every dollar you contribute
$500
maximum grant per year
$7200
lifetime grant per child
A head start for newcomer families
As long as your child has a Social Insurance Number and is a resident, you can open an RESP and start collecting grants — one of the most powerful head starts available to newcomer families.
— Priya Bhatia
Individual, family, and group plans each have pros and cons. I'll help you pick the structure that fits your family — and steer you away from restrictive group plans. And if your child doesn't pursue further study, you won't lose your contributions: options include moving growth to your RRSP or naming another beneficiary.
No pressure, no jargon — just a clear path from your first question to being covered.
We talk through your situation, family, and what's on your mind — in person, by phone, or online.
I work out exactly what you need (and what you don't), so you never over-buy.
I shop multiple insurers and lay the choices out side by side in plain language.
I handle the paperwork with you and follow up with the insurer on your behalf.
Free annual reviews, and I'm here to guide you through any future claim.
We can meet in person, hop on a call, or connect virtually. Whatever feels easiest and most comfortable for you.
Book a free, no-pressure consultation. I’ll explain your options in plain language and help you choose with confidence.