You've heard of the RESP. But do you know the other accounts your child can have — or whether you're using the ones you've got the right way?
That's the gap most Canadian parents fall into. They open one account, assume they're covered, and quietly leave thousands in government grants and tax-free growth on the table.
This guide is that picture. It's not theory or a list of CRA links to decode. It's a clear, plain-language walkthrough of every account your child should have, what each one is actually for, and exactly how to use it.
Inside, you'll learn:
- Which accounts your family actually needs — the RESP, in-trust accounts, the RDSP, the FHSA and TFSA, and the ones most parents have never heard of
- How to use each one — not just what it is, but how to set it up and get real value from it
- How to capture the full $7,200 in CESG grant money — and the timing mistake that makes parents lose two years of it
- The Canada Learning Bond — up to $2,000 in free money that needs zero contribution
- The RESP withdrawal strategy (EAP vs PSE) that can save thousands at tax time
- The mistakes that quietly cost families money — and how to avoid each one
- A simple year-by-year roadmap so you always know your next move
Who it's for:
You're a parent who doesn't want to spend hours decoding CRA pages.
FORMAT
Instant digital download (PDF). Yours to keep and reference for years.
Educational resource for Canadian families. Not financial, tax, or legal advice. All figures current to 2026; always verify at canada.ca.
WHAT PARENTS ARE SAYING: