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RESP's - For those parents with RESPs: Do you know about SAGES? The Saskatchewan Advantage Grant for Education Savings (SAGES) will provide a grant of 10% on contributions made since January 1, 2013 into a Registered Education Savings Plan (RESP) to a maximum of $250 per child per year. This is in addition to the 20% CESG. For details contact Evan at 306-359-0776.
REGISTERED EDUCATION SAVINGS PLANS
Tell your parents about Registered Education Savings Plans. We know you can’t talk yet, but if you cry loud enough, maybe your parents will understand that the time to start setting money aside for your future is now. Have them read on to find out how the Canadian government can help them save, adding up to $500 each year to the amount they contribute …
Many parents see higher education as the launching pad to a better career and a better life. Yet the cost of a post-secondary education keeps growing. The solution is to start saving today.
Why RESPs are your best option: The government offers a 20% grant on the first $2,500 contributed to an RESP each year, up to a lifetime maximum of $7,200. Its called the Canada Education Savings Grant (CESG).The money you contribute gets to grow tax-free. When its time to withdraw, any gains would be taxed in the hands of the beneficiary (i.e. your child) at their presumably low tax rate.The maximum lifetime contribution for each child is now $50,000 with no annual contribution limits.
It's easy to open an RESP account. First, your child will need a Social Insurance Number (SIN). See www.servicecanada.gc.ca for more information. We can provide an application and help you decide on what type of RESP account is appropriate, whether an individual or a family plan Please see the RESP attachment for more information.
No one likes to think about it, but "what if" something happened to you? Unfortunately, unexpected circumstances can happen and you want to protect your family. We all have lots of financial priorities tugging at our wallet. However, you don’t have to break the bank to buy life insurance. Some policies give you more flexibility than others to change coverage as your life changes. Talk with your financial security advisor. Together, you can create a plan that gives you and your loved ones the life insurance protection that is right for your budget and lifestyle, today and tomorrow.
The key to a sound financial security plan is protecting the people who depend on you. Having the right life insurance can have an enormous impact on your life and the lives of those you love. If you were to die prematurely, life insurance can help:
View the attached document for more details, or contact us for a NO OBLIGATION CONSULT.
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