Understanding the Registered Education Savings Plan (RESP)

Unlock the power of an RESP to secure your child’s educational future. Learn how tax-deferred growth, government grants, and flexible contribution options can ease the burden of rising post-secondary costs. Plan today for a brighter tomorrow!

Understanding Registered Education Savings Plans (RESPs) in Canada

Dive into the details of Registered Education Savings Plans (RESPs)! This guide covers how RESPs work, eligibility criteria, benefits, and government grants such as the Canada Education Savings Grant. Learn how to open an RESP and safeguard your child's educational future.

2021 Financial Calendar

We’ve put together a financial calendar for 2021. It contains all the dates you need to know to make the most of your government benefits and investment options. Whether you want to bookmark this or print it out and post it somewhere prominent, you’ll have everything you need to know in one place!

NEWS + SUPPORT

Keep up to date with the latest news and helpful websites that share important information related to your business and personal financial needs.

resources

The RDSP: A Long-Term Savings Tool Canadian Families and Individuals Should Know About

The federal government has contributed $5.1 billion in grants and $2.1 billion in bonds to Registered Disability Savings Plans since 2008 — yet only 23% of eligible Canadian children aged 0 to 18 have one. Here's how the RDSP works, how much the government match can add each year, why starting early matters, and what the latest 2024 data reveals about the families already benefiting.
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Redesigning Group Benefits: Balancing Cost and Employee Value

As benefits advisors, we see employers struggling to balance rising costs with employee expectations for flexibility and support. This article explores what employees value most, the risks of cutting coverage, and how data-driven strategies can help organizations redesign plans that deliver both cost control and employee satisfaction.
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Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money?

Generic semaglutide (the active ingredient in Ozempic) is now available in Canada, and it has the potential to meaningfully reduce drug costs for employer-sponsored benefits plans. But savings are not automatic. Without the right plan design in place, many members may stay on the brand-name drug and costs could remain unchanged. Here is what plan sponsors need to know and do right now.
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Surrey Office

604-596-7188
info@creststonewealth.com

210 – 5455 152nd St
Surrey, BC
V3S 5A5

KELOWNA OFFICE

250-860-8389
info@creststonewealth.com

1100-1631 Dickson Ave
Kelowna, BC
V1Y 0B5

ABOUT

Creststone Wealth is a financial planning, investing + insurance firm located in British Columbia, serving clients across Canada.

NEWSLETTER

OUR DEALER

Insurance products, including segregated fund policies, are offered through Creststone Wealth by Financial Advisors Stephen Cameron, Noreen G. Winzoski, Rochelle Bates, Terry Sorensen, Bharpur Singh Gill and Lise Winzoski, and Financial Advisors Stephen Cameron, Noreen G. Winzoski, Rochelle Bates, Bharpur Singh Gill and Lise Winzoski offer mutual funds through IPC Wealth Inc. IPC Wealth Inc. is a member of CIRO and the Canadian Investor Protection Fund.

IPC Wealth and design are trademarks of Investment Planning Counsel Inc. and used under license by IPC Wealth Inc.

For the IPC Wealth privacy policy, click here.

Make your investment decisions wisely. Important information about mutual funds is found in the Fund Facts document. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.