Up to $90,000 in Government Money
for Canadians with Disabilities
A Registered Disability Savings Plan (RDSP) helps build long-term financial security with tax-sheltered growth, generous government grants, and bonds.
Email to Book Your Free RDSP ConsultationMatthew Laker • North Bay, Ontario
What is a Registered Disability Savings Plan (RDSP)?
An RDSP is a long-term, tax-sheltered savings plan designed to help Canadians with disabilities (or their families) save for the future. It combines personal contributions, tax-free investment growth, and generous government support through grants and bonds.
Only about one-third of eligible Canadians currently have an RDSP — which means many are missing out on significant benefits.
- Lifetime contribution limit: $200,000
- Up to $70,000 in government grants
- Up to $20,000 in government bonds
- Investments grow tax-free
Realistic Example: How Powerful an RDSP Can Be
Zoe starts contributing just $1,500 per year at age 20 and continues for 40 years (until age 60). She qualifies for the maximum government grants and bonds, with investments growing at a realistic 5% average annual return.
Total value at age 60
Zoe only contributed $30,000 of her own money — the rest came from government grants, bonds, and investment growth.
Government Grants & Bonds
Canada Disability Savings Grant
Up to $3,500 per year
Lifetime maximum: $70,000
Matching rates depend on family net income. Contributing $1,500/year often maximizes the grant.
Canada Disability Savings Bond
Up to $1,000 per year
Lifetime maximum: $20,000
No personal contribution required for lower-income families. Carry-forward available for up to 10 years.
Grants and bonds are generally available until the end of the year the plan beneficiary turns 49.
Who Qualifies for an RDSP?
- Must be approved for the Disability Tax Credit (DTC)
- Canadian resident with a valid Social Insurance Number (SIN)
- Age 59 or younger on December 31 of the year the plan is opened
Why Work With Matthew Laker?
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Local North Bay Advisor
In-person meetings available in North Bay or virtual consultations across Ontario.
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Personalized Guidance
I will listen to your story and help you find options beyond RDSP.
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Long-Term Support
Ongoing service to help protect and grow your RDSP over decades.
Don’t Miss Out on Free Government Money
Email me today and I’ll personally help you understand your options, maximize grants and bonds, and build a secure future.
Email Matthew Now: matthew@matthewlaker.comIn-person in North Bay or virtual anywhere in Ontario.