Registered Disability Savings Plan (RDSP)

Choosing a financial services professional is an important decision.We always encourage consumers to ask questions, to verify their representative's registration with the AMF , and to ensure they fully understand the proposed solutions.At Actif santé financière, we prioritize an approach based on listening, transparency, and long-term support. Our clients benefit from regular follow-ups so that the strategies implemented can evolve according to their needs and plans.

The Financial Markets Authority makes available to the public a register allowing verification of the registration of a representative or firm.Before engaging with a professional, it is recommended to consult this register to confirm their registration and the disciplines in which they are authorized to practice.

The professionals at Actif santé financière operate within a regulated framework and hold the required permits to offer their services in their respective fields of practice.You can verify a representative's registration directly in the register of the Financial Markets Authority (AMF), which is publicly accessible.This process helps to confirm that a professional is authorized to practice and that they comply with the regulatory requirements applicable in Quebec.Actif santé financière is also registered and visible on the AMF register.Would you like to learn more about our professional support? Feel free to contact our team.

Actif santé financière operates in collaboration with Investia Financial Services Inc., a firm registered with the relevant regulatory authorities.This affiliation provides a professional and regulated framework for the provision of certain financial services.Mutual funds, exempt market products and authorized exchange-traded funds are offered through Investia Financial Services Inc.When a solution is recommended, it is evaluated based on the client's situation, objectives, and needs.

Actif santé financière assists its clients in analyzing their needs and financial objectives.Our approach aims to identify solutions tailored to each situation. Depending on the client's needs, different options from several suppliers may be considered.Our role is to support our clients in their reflections and decisions, taking into account their financial, family and professional realities.

No. Depending on the services involved and the client's needs, different solutions from various institutions and suppliers can be considered.The objective is to evaluate the available options in order to identify those that best match the client's situation and objectives.Find our partners hereMutual funds, exempt market products and authorized exchange-traded funds are offered through Investia Financial Services Inc.

Yes. Every situation is unique.Whether you are at the beginning of your career, a parent, a future homeowner, an entrepreneur or approaching retirement, we take the time to understand your reality and your plans.Our approach is based on listening, financial planning and long-term support to help you make decisions that are aligned with your life goals.

You don't need to wait until you have significant assets or a major life event to consult a financial security advisor. Many people choose to seek guidance when they want to better structure their finances or prepare for a major project.It can be helpful to meet with an advisor, particularly in situations such as:The beginning of your professional careerBuying your first propertyThe birth of a childStarting a businessA change of jobPreparing for retirementA review of your insurance coveragePlanning multiple financial projects simultaneouslyEven in the absence of a specific event, a meeting can provide an opportunity to review your current situation and verify whether your strategies remain aligned with your objectives.At Actif santé financière, we believe that effective support is based on a long-term relationship. That's why we conduct several follow-ups throughout the year to adjust strategies as needed and help you stay aligned with your life goals.Are you wondering if it's time to take stock of your situation? Contact our team to discuss your goals and discover solutions that might fit your reality.

The term "financial advisor" is frequently used to refer to a professional who helps individuals, families, and entrepreneurs make informed financial decisions.However, this security is not regulated in the same way as certain securities recognized by the Autorité des marchés financiers (AMF).The financial security advisor possesses the certifications and authorizations required to practice in their field and can assist their clients in planning their projects, financial protection, retirement and savings strategies.At Actif santé financière, our approach is based on financial planning, personalized support and long-term follow-up to help our clients make decisions adapted to their reality.

Beyond financial products, a meeting is primarily an opportunity to review your objectives, projects, and priorities.Whether you wish to prepare for retirement, buy a property, finance your children's education or simply structure your savings, appropriate planning can help you make informed decisions that are consistent with your situation.

Financial institutions and financial services firms may have different approaches depending on the services offered.At Actif santé financière, we focus on understanding your situation, your goals, and your life plans. Whether you want to prepare for retirement, buy a property, finance your children's education, or structure your savings, we take the time to analyze your situation to support you in your financial planning.Our approach is based on financial planning and long-term support. We remain available to review your situation at different stages of your life to ensure your strategies continue to reflect your goals and priorities.

We believe that financial planning is not limited to a single meeting. Projects, priorities, and financial situations evolve over time.That's why we prioritize long-term support, based on regular communication and periodic reviews of your situation. Our goal is to help you maintain a strategy aligned with your life plans, both now and in the future.

For over 25 years, we have been supporting individuals, families and entrepreneurs in their financial projects throughout Quebec.Our approach is not limited to a specific product or solution. We prioritize a holistic view of your situation to help you structure your projects, plan your objectives, and adapt your strategies as your reality evolves.

Making an appointment is simple. During the first meeting, we take the time to understand your situation, your objectives, and the projects that are important to you.Whether you are at the beginning of your career, a parent, an entrepreneur, a future homeowner or approaching retirement, this discussion allows us to better understand your needs and explore solutions that could fit your reality.Our goal is to establish a long-term relationship based on support, monitoring and evolution of your financial planning over the years.

The Registered Disability Savings Plan (RDSP) is a plan designed to help individuals eligible for the Disability Tax Credit (DTC) save for their financial future. Depending on eligibility, government programs may also help grow long-term savings.

An RDSP can be opened by the eligible person if they are legally capable of entering into a contract. In other situations, a legal representative, a parent, or an authorized person can open the plan in accordance with the applicable rules.

Contributions can come from various people, such as parents, grandparents, other family members, or anyone wishing to contribute, with the authorization of the plan holder.

Yes.Eligibility for the CIPH is generally a prerequisite for opening an RDSP and benefiting from associated government programs.

The Disability Tax Credit (DTC) is a federal tax measure for individuals with a severe and prolonged disability. Eligibility is determined by the tax authorities according to specific criteria and generally requires certification from a healthcare professional.

It is generally possible to open an RDSP as soon as the eligible person has a social insurance number (SIN) and meets the criteria of the CIPH.

Yes.Depending on eligibility and applicable rules, various government programs, such as the Canada Disability Savings Grant and the Canada Disability Savings Bond, can help grow savings.

The Canada Disability Savings Grant is generally paid based on contributions made to the RDSP and certain eligibility criteria.The Canada Disability Savings Bond, on the other hand, may be offered to certain eligible individuals based in particular on family income, even when no contributions are made.A personalized analysis helps determine which programs you may be eligible for.

No.Contributions are optional and can be adjusted to your financial capacity and objectives.

There is no annual contribution limit to an RDSP. However, a lifetime cumulative contribution limit applies according to current government regulations.

In some situations, yes. Eligibility depends in particular on tax status, social insurance number (SIN), eligibility for the Disability Tax Credit (DTC), and other criteria set out in government programs.A review of your situation will confirm your eligibility.

Yes. The RDSP is often one tool among several in a family financial strategy. It can be integrated with other objectives such as financial protection, retirement, savings, or estate planning.

Needs evolve over the years. Periodic review ensures that your strategy remains appropriate for your situation, your objectives, and current regulations.At Actif santé financière, we favour long-term support in order to adjust strategies as your reality changes.

The consequences vary depending on your situation and applicable government regulations. Before making a decision, it is recommended that you seek advice to fully understand the impact on your RDSP and the options available to you.

The RDSP has several eligibility rules, government programs, and tax considerations.A personalized analysis allows you to verify your eligibility, understand the assistance you may be entitled to, and integrate the RDSP into your overall financial planning.

Yes.Every situation is unique. Our team takes the time to understand your reality, answer your questions, and support you in implementing a strategy tailored to your needs and objectives.

In certain situations, unused Canada Disability Savings Grant entitlements can be recovered, subject to applicable government rules.A tailored strategy allows you to assess the possibilities according to your situation.

The treatment of an RDSP depends on applicable tax rules and the specific circumstances of each situation. Before making a decision, it is recommended to consult a professional to fully understand the consequences and available options.