RDSPlan

03/17/2026

RDSP success stories begin with one small action, checking eligibility, making a first contribution, or asking a question. Whether you’re supporting a loved one or managing your own future, the RDSP can make a meaningful difference. There’s no perfect time to begin, but starting today puts you on the path to more financial options tomorrow. Take that first step and open your RDSP now.

03/12/2026

The RDSP encourages long-term financial thinking for Canadians with disabilities. While it doesn’t offer immediate tax deductions, it builds savings through deferred taxation and government support. That means more of your money stays invested and continues to grow. Shift your mindset toward long-term growth by contributing to your RDSP regularly.

03/10/2026

If you’ve missed several years of RDSP eligibility, don’t worry, retroactive grants and bonds can often be claimed once you open your account. The CRA calculates your unused entitlements and allocates funds once you contribute. This makes opening your RDSP now more rewarding than waiting. Find out how much retroactive support you qualify for and start your plan today.

03/05/2026

Withdrawals from the RDSP are a mix of taxable and non-taxable amounts. The original contributions are not taxed, but government grants, bonds, and investment growth are considered taxable income. This means that early planning can help manage tax impacts later. Create a withdrawal plan that protects your long-term savings while keeping taxes manageable.

03/03/2026

Parents of children with disabilities often wonder how to best plan for their child’s adulthood. The RDSP can be a cornerstone of that plan, offering long-term income support that begins after age 60. Early contributions and grant matching provide a head start toward future independence. Begin your child’s journey toward financial security by opening an RDSP today.

02/27/2026

Alberta’s 2026 Budget has been released. Income tax rates remain unchanged, but there are updates that affect families and business owners, including a new Alberta Caregiver Credit for 2027, a 6% vehicle rental tax beginning in 2027, an increase to the tourism levy, and higher education property tax rates.

Alberta’s 2026 Budget maintains current income tax rates but introduces new levies and higher education property taxes. Here is a clear summary of the key measures affecting families, business owners, and taxpayers.

02/26/2026

If you’re unsure where to start with the RDSP, you’re not alone. Many Canadians find the eligibility, contribution rules, and grant calculations confusing. That’s why support services and resources exist to walk you through the process step by step. Don’t let uncertainty delay your savings. Start with a quick eligibility check and go from there.

02/24/2026

It’s important to review your RDSP annually to ensure contributions, grants, and bonds are on track. Life changes, such as a new job, a change in income, or guardianship updates, may affect eligibility. A yearly check-in keeps your account aligned with your goals and ensures no grant opportunities are missed. Schedule a yearly RDSP review and keep your savings strategy strong.

02/19/2026

Understanding how to structure RDSP withdrawals is key to maximizing your savings. After age 60, Lifetime Disability Assistance Payments (LDAPs) begin and provide a predictable income based on the value of your plan. You can also request additional withdrawals when needed, called Disability Assistance Payments (DAPs). Plan now for how and when you’ll access your RDSP funds to meet your long-term needs.

02/17/2026

For Canadians managing a disability, the RDSP offers a rare opportunity to save long-term without reducing government benefits. Unlike many other savings plans, RDSP funds are not counted as income or assets for most federal and provincial assistance programs. This means you can build a safety net without jeopardizing your existing support. Protect your benefits while growing your future by opening your RDSP now.

02/12/2026

An RDSP can play a valuable role in intergenerational financial planning. Grandparents can contribute to the plan and help secure a better future for their grandchildren living with a disability. Contributions are non-deductible but grow tax-deferred and receive matching grants. Talk with your family about how everyone can contribute to the RDSP today.

02/10/2026

You can contribute to an RDSP until December 31 of the year the beneficiary turns 59. This gives plenty of time to make a contribution plan that works for your situation. Prioritize earlier contributions to make the most of matching grants, which stop at age 49. Use your timeline wisely and start building your RDSP today.