Welcome to Smart RESPs

How to give your children the education they deserve

It's no secret that the cost of post-secondary education is rising dramatically. In fact, by the year 2020, experts predict that the cost of four years of University at a mid-level school will be over $100,000.00!

Higher education determines not only your children's future earning power, but their quality of life too. In other words, it can make the difference between a lifetime of "McJobs" or the satisfaction and comfort of real, lasting and fulfilling careers. Life can be a challenge, so why not give them every advantage they can get?

But how can you possibly save enough money? Investing seems so risky. Is there a solution?

Yes! An RESP. A Registered Education Savings Plan.

An RESP is a great way to save and invest for your children's education. It works best if you start when your child is young, so your money has longer to grow.

We have the right RESP plan for your children's education - click here now to contact us!

An RESP is simply an investment plan that allows your investment to grow tax-free until your child is ready for post-secondary education. And - it gets better! The Canadian government actually also contributes free grant money to your plan through the Canada Education Savings Grant.

RESP Investment Calculator

Annual RESP Contribution	$

Child's age when RESP Started
Estimated Rate of Return		% annually


RESP Results:
Estimated CESG (Canada Education Savings Grant)	$
Estimated Total RESP at start of post-secondary	$

Because investment returns earned in your RESP grow tax-free, your money grows faster than it would in a regular savings account - making a Registered Education Savings Plan the ideal way to save for your children's future.

Not all RESP plans are created equal. There are several types of RESP available, so it's very important to understand the details - such as what they are invested in, the level of risk, costs and cancellation policies. There's much more information on this site to help you determine what's best for you. Even so, it can be a little confusing and slightly overwhelming.