Blog

Carry Forward of Grant and Bond Implemented

As promised, Human Resources and Skills Development Canada have implemented the carry forward of unused entitlements to the Canada Disability Savings Grant and Bond. The carry forward provisions to improve the... Read More

Clarifying New Carry Forward Rules

One of our client administrators had a question recently, “I just turned 50.  Can I open a Registered Disability Savings Plan and put money in the Grant and Bond for previous... Read More

New RDSP Glossary

Every time I present about or discuss the Registered Disability Savings Plan, I find that I am constrained by people’s understanding of the many (complicated) terms and and words that are... Read More

Income, Assets and BC Disability Benefits

Ironically, financial security may seem easier to achieve if you or your loved one is not receiving BC Disability Benefits (and the same comment applies in most other Canadian provinces as... Read More

When Should You Start an RDSP for Your Child?

I’ve had numerous families of younger children ask me, “Should we start our child’s Registered Disability Savings Plan now or should we wait until he’s 18?”  My answer, until now, has... Read More

The Holder – Going Into the Tough Areas

We regularly get tough questions about account holders and issues such as conflict among Holders of Registered Disability Savings Plans and control of the asset.  We’d like to delve deeper into... Read More

RDSP Resource Centre Submission

We have highlighted most, if not all of the recommendations that the RDSP Resource Centre made to Finance Canada in the three year RDSP Review for which consultations wrapped up on... Read More

PLAN’s Submission to the RDSP Review

As the folks who conceived and took the idea of a disability savings plan to Ottawa, who spread the idea within the disability sector, consulted and convened a movement of support,... Read More

Top Ten List – Revised

Vote for your own top ten list here! After much research, discussion and deliberation, I completed my submission of recommendation to improve the Registered Disability Savings Plan.  Obviously with approximately $450... Read More

The LDAP formula and pre-eligibility

Moments after tweeting what I claimed to be my last recommendation to improve the Registered Disability Savings Plan, I read Travis Coady’s submission to the federal government’s RDSP Review.  With eloquence... Read More