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From Seed to Harvest

Despite calls for cooler temperatures and perhaps some more snow and freezing rain in the forecast, our patience and longing for the arrival of Spring is once again being tested. We are becoming desperate for results. In many ways, our attitudes of late mirror our feelings toward the general malaise of the stock markets and…

beneficiary over 19

Parties to a Registered Disability Savings Plan (RDSP)

Registered Disability Savings Plans (RDSP) technically have three parties to the plan and each have their own eligibility requirements. There are three parties to an RDSP: Holder(s): The person(s) who opens the plan, contributes, authorizes contributions and manages the plan. Beneficiary: The disabled individual who receives funds from the RDSP in the future. Issuer: The…


How Do the Canada Disability Savings Grant and Bond Work?

The principal attraction of Registered Disability Savings Plans (RDSPs) are the generous government benefits, known as the Canada Disability Savings Grant and Canada Disability Savings Bond.  These amounts are set out in Canada Disability Savings Act, and are tracked and paid out by Employment and Social Development Canada (ESDC). Canada Disability Savings Bond (CDSB) CDSB is non-contributory, meaning…

Exponent Investment Management