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Future Values: estate and financial advisors Calgary

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  2. Registered Disability Savings Plans

Registered Disability Savings Plans

People with disabilities and their loved ones face a distinct set of financial challenges throughout their lives. To help address these challenges, the Government of Canada introduced the Registered Disability Savings Plan (RDSP) in 2008. Designed to help build long-term financial security for disabled persons, the RDSP makes it easier to accumulate funds by providing assisted savings and tax-deferred investment growth.

Key benefits of an RDSP

  • Money contributed grows tax free.
  • Anyone can contribute to an RDSP with the written consent of the account holder.
  • Contributions can be matched, based on family income, with up to $3,500 a year in Canada Disability Savings Grants (CDSG) and up to $1,000 a year in Canada Disability Savings Bonds (CDSB).
  • Carry forward on CDSG and CDSB is available back 10 years or to date of diagnosis.
  • The total lifetime contribution for each beneficiary is $200,000, with no annual contribution limits.
  • If a parent or grandparent passes away and has a financially dependent child or grandchild, they can transfer up to $200,000 of their RRSP/RRIF or RPP to the dependent’s RDSP on a tax-deferred basis.

To qualify for an RDSP, an investor must:

  • Be eligible for the Disability Tax Credit
  • Be a resident of Canada
  • Be less than 60 years of age
  • Have a valid SIN

Increase your savings

  • Start saving early. Make it automatic by enrolling in a pre-authorized chequing program.
  • Take advantage of government grants and bonds and contribute every year to get the maximum annual CDSG and CDSB.
  • Plan withdrawals to avoid federal grant and bond repayments.

Choose from a large selection of eligible Mackenzie investment funds for RDSPs

Learn more

For more information on the RDSP or to set up a plan, contact our office.

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Contact Us

Don't hesitate to get in touch with us.
We would love the opportunity to become your trusted advisor.

Phone: 403.229.2123
Fax: 1.866.509.6017
Toll Free: 1.877.229.2123

Email: info@futurevalues.com

Suite 201, The Heath Block
615 – 15 Avenue SW
Calgary, AB T2R 0R4

Book a Meeting

Download our Free Whitepaper

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At Future Values Estate & Financial Planning we work as your personal financial advisors & planners, offering you a wide range of services that are designed to help our clients from Calgary as well as the surrounding communities: British Columbia, Alberta, Saskatchewan and Manitoba. Our services include retirement planning, insurance planning, risk management, financial planning and estate planning.

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The information on this website is intended for residents of British Columbia, Alberta, Saskatchewan, Manitoba and Ontario only.

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