Get Informed – RDSP & Disability Tax Credit
Disability Grants | Disability Tax Credit | Registered Disability Savings Plan
RDSP Specialist in Calgary, Alberta
The Registered Disability Savings Plan (RDSP) is a Canadian savings program designed to help people with disabilities and their families build long-term financial security. When an individual qualifies for the Disability Tax Credit (DTC), they may also gain access to government grants and bonds that can significantly increase their savings over time.
At RDSPlan, we focus on disability-related planning and the RDSP Disability Tax Credit. We assist individuals, families, and caregivers in understanding the rules, accessing available programs, and setting up plans that support your beneficiary’s future. If you have questions, please feel free to reach out to us at any time.
The RDSP Overview
The RDSP brings together personal contributions, government support, and tax-advantaged growth in a single long-term savings plan for an eligible beneficiary.
What is an RDSP?
An RDSP is a government-supported savings plan that allows contributions on behalf of a person with a disability, with investment growth generally sheltered from tax until funds are withdrawn. For more information and frequently asked questions, check out our FAQ page.
Who is it for?
The RDSP is intended for Canadians who are approved for the Disability Tax Credit and who meet specific age, residency, and identification requirements. Our RDSP eligibility page provides a full description of these criteria.
Why does the RDSP matter?
Through the Canada Disability Savings Grant and the Canada Disability Savings Bond, the federal government may add substantial amounts to an RDSP over time, depending on income and contributions.
How We Can Help
We support clients in confirming eligibility, navigating the Disability Tax Credit process, opening an RDSP, and coordinating contributions and withdrawals. We invite you to get started today by filling out an application.
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Is the RDSP Appropriate for You?
The RDSP can be an important tool for many individuals and families. You may benefit from learning more if any of the following apply to you:
Parents, Grandparents & Caregivers
You are supporting a child who qualifies — or may qualify — for the Disability Tax Credit.
Adults Living with a Disability
You are an adult who has been approved for the Disability Tax Credit and want to build long-term financial security.
Professionals & Support Organizations
You work with or support individuals with disabilities and want to better understand the RDSP for those you serve.
Not sure whether the RDSP is suitable for your situation?
We're here to help you find out.
How We Support Your RDSP Journey
The RDSP and the Disability Tax Credit can provide significant financial benefits, but the associated rules and decisions can be complex. We help you understand your options and make informed choices.
We typically assist clients by:
Assessing RDSP Suitability
Reviewing whether the RDSP is appropriate for your individual circumstances.
Disability Tax Credit Guidance
Providing guidance on the Disability Tax Credit and related application steps.
Opening & Managing Your RDSP
Supporting the process of opening an RDSP and understanding contributions, grants, and bonds.
Ready to Get Started?
Complete our secure online form, and an advisor will contact you to discuss your situation and the appropriate next steps for your RDSP journey.
APPLY NOWFrequently Asked Questions
Common questions about the RDSP, the Disability Tax Credit, and how we work with clients.