RDSPlan

01/13/2026

You don’t have to manage your RDSP alone. Trusted individuals like parents, guardians, or legal representatives can act as plan holders for those who need support. This is especially important for beneficiaries who may lack the capacity to manage financial accounts. Discuss roles and responsibilities with your family and open your RDSP with support in place.

01/08/2026

You can only have one RDSP per beneficiary, but you can switch institutions if you find a better fit. Transferring your RDSP won’t affect your grants or bonds, as long as the process follows CRA guidelines. This allows flexibility over time without starting from scratch. Explore your RDSP options and make a move if it benefits your future.

01/06/2026

If you became eligible for the Disability Tax Credit in previous years but haven’t opened an RDSP, you may be entitled to retroactive contributions. The carry-forward rules mean you could receive up to 10 years of missed grants and bonds. That could equal thousands in government support. Find out how much you could claim and make your first RDSP contribution now.

01/03/2026

Make 2026 your most organized year yet with our guide to key financial dates and deadlines. From tax filings to benefit payments and investment opportunities, this resource keeps you one step ahead.

📌 Check out the full guide and take control of your financial milestones today!

Managing your finances effectively begins with staying informed about important dates and deadlines throughout the year. This comprehensive guide outlines key financial milestones, including tax deadlines, benefit payment schedules, and contribution opportunities, to help you stay organized and on t...

01/02/2026

No matter your current income level, the RDSP offers a way to grow funds for future use without jeopardizing other assistance. The plan’s design encourages long-term saving, not short-term withdrawals. Whether you’re receiving disability assistance, working part-time, or supported by family, this plan adapts to your needs. Open your RDSP today to start building security with flexibility.

01/01/2026

Cheers to growth, opportunity, and fresh starts.

12/30/2025

If the beneficiary of an RDSP passes away, any remaining contributions are returned to the estate tax-free. Government grants and bonds, however, must be repaid. Planning ahead with your RDSP structure and considering long-term succession helps manage these outcomes. Ensure your estate planning includes your RDSP and talk to your advisor about next steps.

12/26/2025

Multiple family members can contribute to an RDSP, provided the total lifetime contributions don’t exceed $200,000. Whether it’s parents, grandparents, or others who care, pooling support helps the beneficiary grow savings faster. The plan holder coordinates all contributions and grant claims to keep everything on track. Get your family involved and start building your RDSP together.

12/24/2025

Wishing you peace, joy, and all the best this holiday season.

12/23/2025

Even if you're unsure about contributing regularly, the RDSP may still earn bonds based on income levels. This makes it a helpful tool for low-income Canadians with disabilities who want to grow savings over time. These bonds are deposited automatically if you qualify, even with no personal contributions. Check your eligibility and let the government help you build your RDSP today.

12/18/2025

For Canadians living with a disability, long-term security starts with understanding your RDSP options. From eligibility based on the Disability Tax Credit to government contributions that grow your savings, there’s no better time to act. Every year you wait could mean missing out on thousands in unused grants. Begin your journey today by confirming your DTC status and opening an RDSP.

12/16/2025

An RDSP can be a powerful support for individuals with disabilities who are planning for future independence. With the ability to receive matching grants up to $70,000 and bonds up to $20,000 over a lifetime, the plan is designed to help beneficiaries thrive long term. It’s also structured to ensure funds do not interfere with other income-tested benefits. Open your RDSP now to create a financial safety net that supports your independence.