Plan Today for your Children's Education!
CICS Members Discount Program

Effective July 1, 2013, Heritage Education Funds Inc. is pleased to extend a special offer to all members of CICS - CICS Members Discount Program.

1. Each CICS members may open a Heritage RESP through the CICS Members Discount Program.

2. Opening a Heritage RESP through the Program will qualify CICS members to receive a special discount of 10% of the total amount of membership fees up to $1,000.

 

Questions? Call416- or    
An RESP is one of the best investments you can make.

Facts that parents and family members need to know:

  • The average cost of post-secondary education has increased over the past 10 years, and the trend is expected to continue. It is estimated that the cost of a 4-year university education could exceed $122,00011 in 2033.
  • To assist with funding post-secondary education, the Government of Canada provides incentives to invest for a child's education through:
    • The Canada Education Savings Grant2 ("CESG") program with up to $7,200 in lifetime maximum.
    • The Canada Learning Bond2 ("CLB") program with up to $2,000 per qualifying beneficiary.
  • The governments of Quebec and Saskatchewan offer provincial support with the Quebec Education Savings Incentive2 ("QESI") and Saskatchewan Advantage Grant for Education Savings2 ("SAGES").
  • Canada Revenue Agency ("CRA") allows a tax shelter on savings of up to $50,000 per child with no annual limit.
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A Heritage RESP can help give your child a bright and secure future.

Headquartered in Toronto, Heritage Education Funds is one of Canada's leading providers of group Registered Education Savings Plans. Heritage has assets of $2.41 billion and has helped more than 440,000 Canadians save for the post-secondary education for their children and grandchildren. Heritage has paid out over $1.24 billion to subscribers and qualified students since the plan's inception, as of September 2014.
Start saving for your child's future today and take advantage of the CICS Members Discount Program!

If you are interested in learning more about Heritage RESPs, please submit your information below. A Heritage Representative will contact you to discuss your education savings needs.
1 The total costs of living expenses and accommodation for the 2013/2014 academic year was approximately $10,000. The average annual increase has been calculated using the average rate of inflation for Canada over the last 25 years of 2.07% and the total of 4 years of living expenses and accommodation has been added to the total cost of 4 years of undergraduate studies. Source: The Globe and Mail, May 2014; www.inflation.eu.
2 Certain conditions apply. See prospectus for full details.
3 These payouts consist of subscribers' contributions (less applicable fees), refunds of sales charges, educational assistance payments ("EAPs") (consisting of the beneficiary's share of pooled income or self-determined income, government grants and income on government grants) and top ups of the EAPs.
Heritage Plans are scholarship plans issued under the sponsorship of the Heritage Educational Foundation. Units of the Heritage Plans are offered by prospectus only, a copy of which can be obtained from the registered dealer, Heritage Education Funds Inc. at HeritageRESP.com. These securities may not be appropriate for all investors and are subject to certain risk factors. See the prospectus for details.