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Everything on RESP Guru in one place — education savings, family protection, and the fine print. 30 pages.
01
3 pages
Start here
The front door — what RESP Guru does and how to reach us.
02
15 pages
Education savings & investing
RESPs, government grants, and the registered accounts that work alongside them.
RESP Learning Hub
How RESPs work, every government grant explained, and what the money can be used for.
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RESP Grant Calculator
See what your child could receive in CESG and grants — in about ten seconds.
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RRSP
Work out your contribution room and the tax refund a contribution could generate.
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FHSA
Deduct like an RRSP, withdraw tax-free for your first home — room, refund, and a down-payment projection.
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TFSA
Tax-free growth and flexible withdrawals — the other half of a family’s savings plan.
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What university costs
Tuition, residence and living costs — and what they’ll be in your child’s first year.
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Canada Learning Bond
Up to $2,000 with no contribution required — and how to claim it retroactively.
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Starting an RESP late
Catch-up grant rules, the $1,000 annual ceiling, and the age 16–17 trap.
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RESP withdrawal rules
EAP versus PSE, the $8,000 first-13-weeks limit, and a first-semester planner.
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If your child doesn’t go
Your contributions always come back. What happens to grants and growth.
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Bank vs mutual fund vs segregated fund
An honest comparison — real costs, the crashes, and a free fee calculator.
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Group scholarship plan RESPs
What leaving actually costs, and when finishing the contract is better.
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Family or individual plan
Which structure fits, and the sibling-only rule that can block grants.
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RESPs for grandparents
Coordinating with the parents, the shared $50,000 limit, and the estate question.
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Provincial grants (BC & Quebec)
BC’s $1,200 with its hard deadline, and Quebec’s 10% incentive.
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03
6 pages
Life & health insurance
Protecting the family — and the plan you’re building for them.
Life Insurance
The overview — every way to protect your family and the plan.
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Term Life Insurance
Affordable protection for the family years, with a coverage calculator.
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Whole Life Insurance
Lifelong coverage that builds cash value.
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Universal Life Insurance
Flexible permanent coverage with an investment component.
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Disability Insurance
Protect the income that funds everything — including the RESP.
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Critical Illness Insurance
A lump sum on diagnosis — with the Return of Premium option explained.
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04
3 pages
Travel & visitor coverage
Medical insurance for travelling, visiting, and studying in Canada.
05
3 pages
Legal & policies
The fine print, in plain language.
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