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Registered Education Savings Plan

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    Welcome to Whole Insurance

    Your Trusted Partner for Registered Education Savings Plans (RESPs)

    Investing in your child’s education is one of the most important decisions you can make. A Registered Education Savings Plan (RESP) offers a tax-efficient way to save for your child’s future educational expenses, whether they choose to pursue post-secondary education or vocational training. At Whole Insurance, we’re committed to helping you make smart investment choices and secure a bright future for your loved ones.

    Why Choose an RESP?

    Tax-Deferred Growth

    Contributions to an RESP grow tax-deferred, meaning you don’t pay taxes on the investment earnings until the funds are withdrawn. This allows your savings to compound over time, maximizing the growth potential of your investment.

    Government Grants

    The Canadian government offers generous incentives to encourage saving for education through programs like the Canada Education Savings Grant (CESG) and the Canada Learning Bond (CLB). These grants provide additional funds to supplement your contributions, helping you reach your savings goals faster.

    Flexibility

    RESPs offer flexibility in how funds are used to support your child’s education. Whether they choose to attend university, college, trade school, or pursue other eligible educational programs, the funds can be used to cover tuition, books, housing, and other related expenses.

    Control

    As the subscriber of the RESP, you maintain control over the account and how the funds are invested. You can choose from a variety of investment options based on your risk tolerance, time horizon, and financial goals, allowing you to tailor your investment strategy to meet your needs.

    Why Choose Us for Your RESP Needs?

    Expert Guidance

    Our team of experienced financial advisors is here to help you navigate the complexities of RESP planning. We’ll work with you to understand your goals, assess your risk tolerance, and recommend a customized investment strategy to help you achieve your objectives.

    Comprehensive Solutions

    We offer a wide range of RESP options to suit your unique needs and preferences, including individual RESPs, family RESPs, and group RESPs. Whether you’re saving for one child or multiple beneficiaries, we have a solution to fit your family’s needs.

    Education and Support

    We believe in empowering our clients with knowledge and resources to make informed decisions about their investments. We’ll provide you with educational materials, tools, and ongoing support to help you stay on track and make the most of your RESP.

    Exceptional Customer Service

    Your satisfaction is our top priority. We’re committed to providing you with personalized service, prompt assistance, and transparent communication every step of the way, ensuring a positive experience for you and your family.

    Get in Touch Today

    Start planning for your child’s future with an RESP from Whole Insurance. Contact us today to learn more about our RESP options and take the first step toward securing their educational dreams.

    Get Quote Now

    Below-mentioned information is how an RESP usually works:

    Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. You can also state how you emphasize on their well being. This often shows your concern and increases the chances of conversion. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples.

    • It helps you provide for the immediate family
    • Used and inheritance fund
    • Advisor Site
    • Investment Funds Performance
    • Investment Funds Performance
    • Applications & Forms
    • Illustration Software LIA v 10.4.0 (ID and password issued by Assumption Life is required for use)
    • Illustration Software LIA v 10.4.0 (ID and password issued by Assumption Life is required for use)

    RESP Contributions

    Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. You can also state how you emphasize on their well being. This often shows your concern and increases the chances of conversion. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. Tell people a little more to attract.You can mention some contact details as shown below to get in touch with visitors. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples.

    Contribution Rules

    Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. You can also state how you emphasize on their well being. This often shows your concern and increases the chances of conversion. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. Tell people a little more to attract.You can mention some contact details as shown below to get in touch with visitors. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples.

    Contribution Limits

    Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. You can also state how you emphasize on their well being. This often shows your concern and increases the chances of conversion. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. Tell people a little more to attract.You can mention some contact details as shown below to get in touch with visitors. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples.

    Tax on RESP Excess Contributions

    Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. You can also state how you emphasize on their well being. This often shows your concern and increases the chances of conversion. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. Tell people a little more to attract.You can mention some contact details as shown below to get in touch with visitors. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples.

    Waiver of Liability

    Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. You can also state how you emphasize on their well being. This often shows your concern and increases the chances of conversion. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. Tell people a little more to attract.You can mention some contact details as shown below to get in touch with visitors. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples.

    The annual limit for every beneficiary is:

    • Public Site
    • Used and inheritance fund
    • Advisor Site
    • Investment Funds Performance
    • Investment Funds Performance
    • Applications & Forms
    • Illustration Software LIA v 10.4.0 (ID and password issued by Assumption Life is required for use)
    • Illustration Software LIA v 10.4.0 (ID and password issued by Assumption Life is required for use)

    Grants and Bonds

    Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. You can also state how you emphasize on their well being. This often shows your concern and increases the chances of conversion. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples. Tell people a little more to attract.You can mention some contact details as shown below to get in touch with visitors. Write a warm welcoming message for visitors.You can mention all the benefits or services with some real examples.

    Our Happy Clients!

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    5/5
    Ron Burnwood
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    4.5/5
    Lily Granger​
    “Lectus, nonummy et. Occaecat delectus erat, minima dapibus ornare nunc, autem.”
    5/5
    Jeson Foxx

    Frequently Asked Questions.

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