Our Services

Family Education Funding Plan

$ 200
  • Max of 2 beneficiaries
  • 1:1 Consultation

DIY Family Education Funding Plan

$ 100
  • Max. of 10 participants
  • Two 1-hour Workshops

Optimizing Your RESP

$ 100
  • One current RESP
  • 1:1 Consultation
  • 30 minutes

DIY Optimizing Your RESP

$ 50
  • Max. of 10 participants
  • One 1-hour Workshop

Canadian GRADS Membership Subscription

$ 25 Anually
  • 1 membership per family
  • Online, ongoing 24/7, for one year

Information Webinars

$ 0
  • Zoom, typically one hour each

Accessing the Canada Learning Bond

$ 0
  • Low Income Families
  • 1-hr Webinars organized by 3rd parties

Organizational Consulting

$ Negotiable
  • For Education Funding,
  • Customized to Your Needs

Family Education Funding Plan

Needs Assessment

The first step in preparing a Family Education Savings plan is a needs assessment

For each person in the plan, we need their birthdate plus forecasts for:

No. of years of post-secondary
Share of costs funded by own summer & part-time jobs, gifts, etc.
Living at home or away

For contributor family/parents we need:

Latest family net income
Share of costs you wish to fund, for each person in the plan
Current balance & contributions for any existing education plans /accounts
Details on any unique funding you might access e.g. employer

Family Education Funding Plan

Table of Contents

01

Recommendations

02

Family Profile and Needs

03

Current Educ. Plans/Accounts

04

Statement of Assumptions

Family Education Funding Plan

For Each Person in the Plan

Forecast of Education Costs
School Completion Schedule
Fund Methods by % of Total
Student Savings Schedule
Parents Contribution Schedule
Cash Withdrawal Schedule
Plan Management Schedule

Optimizing Your RESP

Questions we will answer
so you get the most out of your RESP

In a 30 minute 1:1 consultation for one current RESP you will get answers to the following:

01.

Are the correct beneficiaries named?

02.

If there's more than 1 beneficiary, are the beneficiaries being treated equally? If not, can we rectify this?

03.

Based on the past and forecast schedule (or plan) of contributions, how much will the plan be worth when the funds are needed?

04.

Based on the planned academic pursuit (e.g. 4 year B. Sc., in-town), what is the estimated total cost of this education?

05.

Can contributions be increased, and if so, by how much, to optimize the Canadian Education Savings Grant (CESG)?

06.

Within the family, what other potential sources of cash or savings could be used to increase contributions to the RESP?

07.

In future, should you make 1-time, periodic contributions or both? If periodic, bi-weekly, monthy, or annually?

08.

What type of investments (by percentage) are currently held in the RESP and what annual rate of return has that generated?

09.

What plan is there, if any to re-balance the investment portfolio over time toward lower volatility, lower-risk investments?

10.

At the end of the plan period, will you have all/some of your contributions returned to you or provide them to the beneficiaries? Why?

Do-it-Yourself Options

For those who want to learn how to establish your own Family Education Funding Plan, Canadian Grads will offer small group hands-on workshops delivering information, tools, templates, and guidance to create your own plan.

For those who already have an RESP and want to ensure they are getting the biggest bang for their buck, again you can follow the DIY path.

The pre-requisite for these training programs is basic knowledge and experience with Microsoft EXCEL.

Canadian GRADS Membership - $25/Year

Current Features & Benefits of Membership

Take advantage of our low introductory price for early adopters

20% discount on all other services offered by Canadian GRADS
Preferred registration (1st in line) for webinars and workshops with limited capacity
Direct email notification of all future webinars and workshops
Access to Canadian GRADS regular blogs and monthly newsletter updates
For every new member you refer us, we'll extend your membership for 1 year at $0 cost

Canadian GRADS Membership

Future Features & Benefits of Membership

As Canadian GRADS expands and improves, members can expect more membership benefits including:

Discounts on products and services from sponsors, advertisers and partners
Access to future member-only services, such as inter-city student accommodation exchange
Preferential access to the entire catalog of 50 Methods to Fund Your Family's Post-Secondary Education
Access to Canadian GRADS Swag for Grads, Grad Pa's, Grad Ma's and Grad Parents
Preferred (1st in line) access to in-person Canadian GRAD events and guest speakers
A portal to securely access, store, update and share (if you wish) your family's education funding plans

Information Webinars

We are committed to enhancing the financial literacy of our clients and their families by offering regular free 1-hour webinars on zoom, including:

Common RESP Oversights
How Grandparents can help
Options for Adults Returning to School
Inter-Generational Wealth Transfer via Education Funding
RESP basics - for lower income families

Until further notice all Webinars will be remote, using ZOOM.