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A registered education savings plan (RESP) is a convenient way to save for a child’s education after high school. The contributions you make add up in the RESP until it reaches maturity (generally the year the beneficiary is expected to begin his or her first year of post-secondary education).
The contributions you make to your RESP attract generous government grants and you enjoy the tax-free growth of your savings. Once your beneficiary enrols in a post-secondary program, all your RESP funds become available to help pay for school!
And if your beneficiary decides to take a break after high school to travel the world, that’s okay too! RESP funds are available for up to 35 years following the year you opened your plan!