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​Registered Disability Savings Plan (RDSP)

Financial security for the long-term

Consider an RDSP if you or a loved one are living with a disability and are looking for a way to save for long-term, financial security. This government assisted and tax-deferred savings vehicle is another tool available to help secure the financial future of Canadians with disabilities.

Features of the plan

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Grow savings tax-free​​

Earnings grow tax-free until the money is withdrawn allowing RDSP savings to grow.

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Here’s who is eligible

Beneficiaries must qualify for the Disability Tax Credit, be 60 years of age our younger and be up-to-date on income tax returns.

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Boost value with government incentives (based on eligibility)

Take advantage of government incentives to grow your savings faster. The Canada Disability Savings Grant and the Canada Disability Savings Bond offer financial supports that can really add up over time.

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Worry-free income payments

Income payments from RDSPs do not affect income-tested federal government programs, including Old Age Security, Guaranteed Income Supplement and Canada Pension Plan.

Here are some more resources to help

​Let's discuss your options

To learn more or to schedule an appointment to set up a plan, give us a call.