Call an RESP Expert
Our Heritage RESP experts are available to meet with you anytime and anywhere to advise you on your child's Registered Education Savings Plan. We are here for your convenience and will guide you from start to finish. We understand that sorting through all the necessary documents can be a very intimidating task, so let our RESP experts help you take care of that. From obtaining a birth certificate to your Social Insurance Number, and accessing government incentives - our RESP experts will help you get all your paperwork in order so you can start saving for your child's college or university education. Call one of our RESP experts today to learn more.
What You Should Know
As a parent, a grandparent, relative or family friend, you should consider the benefits of contributing to a Heritage Registered Education Savings Plan for someone you love. With a Heritage RESP, your child's funds for college or university are in good hands. We only invest in lower-risk securities that are mostly issued by varying levels of governments in Canada. Our Registered Education Savings Plans entitle you to government grants, including the Canada Education Savings Grant (CESG), the Canada Learning Bond (CLB), the Alberta Centennial Education Savings Grant (ACES) and the Quebec Education Savings Incentive (QESI). Heritage RESPs are easy to enroll into, and professionally managed by RESP experts with almost 50 years of experience. See the links below to learn more:
Make the Most of Government Grants and Tax Free Savings with a Canadian RESP
With Heritage RESPs, you are entitled to special tax free savings. The money you earn inside your RESP is tax-sheltered. When you take out money the income earned in an RESP is taxed, the benefit is that it is only taxed in the hands of your child who most commonly pays little to no income tax.. The government grants available to parents who contribute to Canadian RESPs includes up to $7,200 from the Canada Education Savings Grant, up to $2,000 from the Canada Learning Bond, an extra $800 for residents of Alberta from the Alberta Centennial Education Savings Plan and up to $3,600 for residents of Quebec from the Quebec Education Savings Incentive.
Canadian RESPs offer high security, convenience and flexibility
When you invest in a Canadian RESP, your money is invested in lower risk securities, earning a competitive and consistent return each and every year. Select a contribution schedule that's right for you and your savings will be there when you need it. Simply adjust your contribution amount and schedule at any time. With branch offices located across Canada, a Heritage RESP Representative is just around the corner from you. Find a local Heritage RESP Representative here for Canadian RESP expertise, government grant knowledge and tax free savings specialties.
*Certain Conditions apply
Heritage Education Funds is the trade name of Heritage Education Funds Inc.
Heritage Education Funds RESPs are offered by Prospectus only.
Understand the Options When Choosing an Education Funding Plan for You
Contribute any amount to your RESP up to a lifetime limit of $50,000 and take advantage of tax benefits designed to maximize growth and minimize tax. Depending on the amount of time before your child begins post-secondary education, you can build an education savings plan for your child.*
Easy and Efficient RESP Contribution Plans
Find a contribution plan that is right for you. You can contribute small amounts more often which compound and add up over time. Set up pre-authorized payments for added simplicity. Or make your RESP contributions annually so that they fall around other major expenses such as insurance and property taxes. Even better, schedule your annual payment to coincide with your tax refund. Your contribution options include:
- Monthly Contributions
- Annual Contributions
- Single Lump-Sum Contribution: One-time payment
- Five-Year Annual Contribution: Yearly contributions for 5 years
- Five-Year Monthly Contribution: Monthly contributions for 5 years
- Ten-Year Annual Contribution: Yearly contributions for 10 years
- Ten-Year Monthly Contribution: Monthly contributions for 10 years
Your plan reaches maturity on July 31st of the year your child turns 18 years of age. Find a local Heritage RESP Representative here for education funding plans and advice on RESP benefits.
Enjoy strong returns from your Heritage RESP
With the lower risk investments of Heritage RESPs, our subscribers have enjoyed a strong return. With your money invested in various lower risk investments that earn a competitive and consistent return, you can count on your money being there when your child needs it.
The Heritage RESP Plan is a lower risk investment
Your investment principal will be there when you need it as we invest your contributions into lower risk investments like provincial bonds, federal bonds, principal protected notes and GICs.
Find a local Heritage RESP Representative here.
Information and Forms You Will Need
The links below will provide you with helpful information and forms you need to get started, such as an application for a birth certificate and social insurance number. Other forms include government grant and tax benefits:
Social Insurance Number (SIN)
Canada Education Savings Grant (CESG)
Canada Learning Bond (CLB)
Alberta Centennial Educational Savings Plan (ACES)
Quebec Education Savings Incentive (QESI)
Canada Child Tax Benefit (CCTB)
Calculate your child's future post-secondary education costs with our RESP calculator
Find answers to common RESP questions
Meet our Heritage Registered Education Savings Plan partners
Choose the right lower-risk investment RESP