Learn at your own pace
Short videos, a quick quiz and plain-language explanations of Canada's registered plans and life insurance.
Essentials in 30 seconds
Short videos on the rules that matter most, grouped by plan. Tap any video to play.
RDSP Essentials
10 videos · Read the guide →RESP Essentials
5 videos · Read the guide →TFSA Essentials
5 videos · Read the guide →RRSP Essentials
5 videos · Read the guide →Life Insurance Essentials
5 videos · Read the guide →Where to start
1 video · Read the guide →Which plan fits you first?
Who are you saving for?
Is anyone in your family approved for (or likely eligible for) the Disability Tax Credit?
What's the main goal for this money?
What's your approximate yearly income?
Would anyone struggle financially if you died tomorrow?
When will you need the money?
Accounts worth a closer look
This quiz is educational and doesn't consider your full situation. A short conversation can confirm what fits.
The acronyms, decoded
AHA
Assistance Holdback Amount — RDSP grants and bonds paid in the last 10 years that may have to be repaid.
CDSB
Canada Disability Savings Bond — up to $1,000/yr to an RDSP for lower-income families.
CDSG
Canada Disability Savings Grant — matching grant of up to $3,500/yr to an RDSP.
CESG
Canada Education Savings Grant — 20%+ matching grant on RESP contributions.
CLB
Canada Learning Bond — up to $2,000 to an RESP for children from lower-income families.
DAP / LDAP
Disability Assistance Payments (lump sum) and Lifetime Disability Assistance Payments (annual) from an RDSP.
DTC
Disability Tax Credit — the gateway to opening an RDSP.
EAP
Educational Assistance Payment — RESP withdrawal of grants and growth for a student.
FHSA
First Home Savings Account — deductible contributions and tax-free withdrawals for a first home.
HBP
Home Buyers' Plan — borrow up to $60,000 from your RRSP for a first home.
Term life insurance
Coverage for a set period (such as 10, 20 or 30 years) at the lowest cost per dollar of protection.
Permanent life insurance
Lifelong coverage (term to 100, whole life or universal life) that can build cash value.
Waiver of premium
A rider that pays your premiums if you become totally disabled.
Segregated fund
An insurance-company investment fund with maturity and death benefit guarantees (typically 75–100%) and potential creditor protection.
Let's build your plan together
Book a free, no-obligation conversation. We'll review which accounts fit your family and how to capture every grant you're entitled to.