Building a Secure Future for Those with Disabilities
Unlock up to $90,000 in government grants and bonds. The RDSP is a powerful, tax-deferred way to ensure long-term financial independence and care.
Why the RDSP is a Vital Resource
Living with a disability often involves unique financial challenges. The RDSP was created by the Canadian government to bridge the gap, providing a dedicated nest egg for the future.
Preserve Your Benefits:
Contributions do not affect eligibility for other provincial disability benefits (like ODSP or AISH).
Tax-Deferred Growth:
Like an RRSP, your investments grow tax-free until they are withdrawn.
No Annual Limits:
You can contribute at your own pace (up to a lifetime maximum of $200,000).
The "Government Support" Pillar
The government may match your contributions by 300%, 200%, or 100%, depending on family income, up to a lifetime max of $70,000.
For low-income families, the government may deposit up to $1,000 annually—even if you contribute $0—up to a lifetime max of $20,000.
Expertise You Can Trust, Care You Deserve
Why Choose Our RDSP Planning Service?
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Maximized Grants: We ensure you are structured to receive every dollar of government funding available.
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Seamless Setup: From opening the account to tracking bonds, we handle the technical details.
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Withdrawal Strategy: We help you navigate the "10-year rule" and LDSPs to ensure you don't face penalties when accessing your funds.
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No! If you qualify as a low-income family, the government may deposit the Canada Disability Savings Bond into the account even if you cannot afford to contribute a single dollar.
The RDSP is designed for long-term savings. If you withdraw money from the plan, you may have to pay back the grants and bonds received in the previous 10 years. We help you plan your withdrawals to avoid these clawbacks.
No. In most provinces, the RDSP is considered an exempt asset. You can grow your wealth in an RDSP without losing your monthly disability payments or medical benefits.
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