Secure the Future. Maximize Disability Savings
- Government matching grants up to 300%
- Tax-deferred growth for long-term protection
- Completely free consultation and eligibility audit
Understanding Your RDSP Limits
Are you eligible for a Registered Disability Savings Plan?
DTC Approved
Residency & SIN
Under Age 60
Savings Growth
Unified Grants & Bonds
Canada Disability Savings Grant
- 300% match on first $500 for eligible incomes
- 200% match on subsequent $1,000 deposits
- Lifetime maximum matching up to $70,000
Canada Disability Savings Bond
- No active savings or matching required
- Income-tested automated annual payouts
- Lifetime bond maximum cap of $20,000
Why a Registered Disability Savings Plan instead of other plan types?
RDSPs offer unique, highly competitive advantages engineered specifically to support long-term financial security for Canadians with disabilities.
Government grants and bonds boost savings
The Canada Disability Savings Grant provides matching contributions up to 300% (up to $3,500 annually), while the Bond offers up to $1,000 per year for low-income Canadians, entirely independent of personal contributions.
Anyone can make a contribution
With the written consent of the plan holder, any family member, friend, organization, or trust can contribute directly to the beneficiary’s RDSP up to a lifetime limit of $200,000.
Tax-sheltered savings and growth
All returns, interest, and government grants inside the RDSP accumulate on a tax-sheltered basis. Taxes are deferred entirely until the funds are eventually withdrawn, accelerating growth potential.
Flexible ways to access your savings
The plan allows regular Lifetime Disability Assistance Payments (LDAPs) starting by age 60, alongside flexible, ad-hoc Disability Assistance Payments (DAPs) to address urgent or evolving requirements.
No restrictions on beneficiary withdrawals
Unlike some targeted support plans, withdrawn RDSP funds have absolutely no spending constraints. Beneficiaries are completely free to utilize the payouts for quality of life, care, assistive tools, or everyday expenses.
Warning about withdrawals!
Be aware of the 10-Year Repayment Rule (Assistance Holdback Amount). If you initiate a withdrawal from your RDSP, you are legally required to repay any government grants and bonds paid into the plan during the 10 years immediately preceding that withdrawal. Structure your payouts carefully to prevent unintended repayment penalties.
Smarter Wealth Protection
Build your portfolio with the growth potential and the security of insurance guarantees.
Capital Guarantees
Protect your principal saving. Benefit from robust maturity and death benefit guarantees that shield your hard-earned assets from market volatility.
Bypass Probate
Pass wealth directly to beneficiaries. Upon death, your estate can bypass administrative delays and expensive probate court fees to ensure swift payout.
Creditor Protection
Secure peace of mind for business owners and professionals. Enjoy strong potential creditor protection strategies that safeguard family assets.
Don’t wait to open an RDSP!
Grants and bonds are only available until December 31 of the year the plan beneficiary turns 49.