RDSP Improvements Announced

Good News for People with Disabilities in the Federal Budget Once again, Minister James Flaherty demonstrated his commitment to people with disabilities, their families and to the Registered Disability Savings Plan... Read More

Dispelling Myths #3: RDSP Withdrawals

There are several common misunderstandings about withdrawals from RDSPs.  It is, however, a critical thing for a contributor to understand.  After all, at some point the idea is to use the... Read More

Dispelling the Myths #1: RDSP Income and Disability Income Benefits

I am shocked at the number of people – families, lawyers, financial planners – who still think that receiving funds from a Registered Disability Savings Plan will affect a person’s provincial... 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

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

Promoting Home Ownership

Many people with disabilities, supported by their families, would like to be able to own their own home.  Owning one’s own home has numerous advantages (See www.plan.ca and Safe and Secure, by... Read More

Emergency Withdrawals from an RDSP

Enable up to three emergency withdrawals of up to $5,000 of private contributions in a beneficiary’s lifetime. Withdrawing any amount from an RDSP triggers the repayment of the holdback amount until... Read More

Compress the timelines in the design of the RDSP

Currently, the RDSP has several milestones built into its design: Beneficiaries, whether a holder or not, can request funds from their RDSP at age 27 (provided the federal government contributions are... Read More

Account Holders and Representation Agreements

(British Columbia only – because Representation Agreements are available only in BC, this post is only for BC residents.  Read about our collaboration with PLAN, CACL and others to improve the... Read More