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A Registered Education Savings Plan, or RESP, is savings vehicle used by parents to save for their children's post-secondary education in Canada. The main advantages of RESPs are the access to the Government Grants and a source of tax-deferred growth of savings. An RESP is a tax shelter, designed to benefit post-secondary students who are residents of canada. With an RESP, contributions are, or have already been, taxed at the contributor's tax rate, while the investment growth (and CESG) is taxed on withdrawal at the recipient's tax rate. Calgary Insurance Quotes is the best Insurance Companies Calgary Downtown. An RESP recipient is typically a post-secondary student; these individuals generally pay little or no federal income tax, owing to tuition and education tax credits. Thus, with the tax-free principal contribution available for withdrawal, CESG, and nearly-tax-free interest, the student will have a good source of income to fund his or her post-secondary education.

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Before investing for this plan, you must need a proper planning and instruction before getting any kind of benefit that comes under this plan. Although, it is one of the best saving plans for your kid to get the funds for the post auxiliary instruction – it however, requires some guidelines and instructions from an expert. There are different options available for Resp and we can help you in choosing the best option for you.

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Available Grants

1) CESG: It is an incentive provided by Employment and Social Development Canada (ESDC) to the families or relatives who are saving money for their child’s post-secondary education through a grant based on the amount contributed to an RESP account. The maximum grant limit for one year is $500 for each child with lifetime limit $7200.
2) ACESG: The additional amount of Canada Education Savings Grant(ACESG) ) is money provided by the Government of Canada in addition to basic CESG for Canadian children from low-income and middle-income families.
3) Canada learning Bond: The government of canada deposits money(upto $2000) into eligible child’s RESP account every year even if you don’t contribute.

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Our Clients Say

I had super visa insurance for my parents from Harpinder. He provided quick and great service. I needed to make some changes to my parents super visa policy and he just did it with one phone call. You should try them at least once to find about their great service.

Gurpreet Dhaliwal

Harpinder and his staff were very prompt and quick on responding to my super visa insurance for parents and also had timely response to get me back my refund unused insurance amount also. This my 2nd time using his service and will continue to go back to him in future.

Anu Pillai

I am impressed with Mr Harpinder Sidhu's professionalism. He handles his clients case with great expertise and guides you through with his many years of experience. He goes an extra mile in guiding and serving his clients. Mr Harpinder Sidhu keeps in touch with any changing laws that helps his clients and their families. Apart from his professionalism Mr Harpinder Sidhu is a thorough gentleman and shows his kindness and devotion by giving back to the community through numerous charities. Each time I have communicated with Mr Harpinder Sidhu he is quick in taking an action and helps through

Raman Gill

I had a very good experience with Harpinder Sidhu as he has so much experience and vast knowledge about insurance. He quoted and got me a very good policy for both Life insurance and Disability insurance, that too with much more coverage than what I had before from a different source. And also the premium is way cheaper, I'd recommend him to be dealt with for your insurance needs. I'm totally satisfied. Cheers

Amritpal Gill

Why Calgary Insurance?

Because we believe in delivering our clients the best of the products, based on sheer observation and case study. Our operational dealers, who are major insurers, are one of the strongest points – why you would want to choose us. Over the experience of numerous years we have dedicated into our work, we understand what fits best for you.
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