Unlock the Power of the RDSP
Helping families navigate the Registered Disability Savings Plan with clarity and confidence.
At DuMoulin Financial, the RDSP is more than just a planning tool—it’s personal. Through our own family experience, we’ve seen how powerful the Registered Disability Savings Plan can be in creating long-term financial security. That’s why we guide families with clarity and care, helping them navigate the rules, maximize government grants and bonds, and integrate the RDSP into their bigger financial picture.
Understanding Eligibility
We explain who qualifies for an RDSP, how the Disability Tax Credit fits in, and what steps are required to open and maintain the plan.
Government Grants & Bonds
The Canada Disability Savings Grant and Bond can add thousands to your RDSP each year. We show you how to maximize contributions and secure available matching funds.
Contribution Strategies
From small monthly deposits to lump-sum contributions, we design funding approaches that work with your budget and long-term goals.
Withdrawal Rules & Timing
RDSP withdrawals follow specific rules. We help you plan around the 10-year holdback, understand what’s taxable vs. tax-free, and avoid surprises.
Coordinating with Benefits
RDSP income can interact with other government programs. We ensure withdrawals are planned carefully so you don’t lose valuable supports.
Integrating Into the Bigger Picture
The RDSP is one part of a family’s financial plan. We connect it with estate planning, insurance, and retirement strategies to provide full financial security.