{"id":1931,"date":"2025-08-28T16:53:33","date_gmt":"2025-08-28T16:53:33","guid":{"rendered":"https:\/\/alpfinance.ca\/?page_id=1931"},"modified":"2025-09-25T17:18:17","modified_gmt":"2025-09-25T17:18:17","slug":"resp","status":"publish","type":"page","link":"https:\/\/alpfinance.ca\/en\/resp\/","title":{"rendered":"RESP"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1931\" class=\"elementor elementor-1931 elementor-292\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb9e55e page-header e-flex e-con-boxed e-con e-parent\" data-id=\"eb9e55e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ce3cefe e-con-full e-flex e-con e-child\" data-id=\"ce3cefe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f2255da e-con-full e-flex e-con e-child\" data-id=\"f2255da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31e34e1 elementor-widget elementor-widget-heading\" data-id=\"31e34e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">RESP<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a2133e page-first-block e-flex e-con-boxed e-con e-parent\" data-id=\"2a2133e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a7ddfcc e-con-full e-flex e-con e-child\" data-id=\"a7ddfcc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-417a779 elementor-widget elementor-widget-text-editor\" data-id=\"417a779\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 style=\"text-align: center; margin-bottom: 0;\">Invest in your children\u2019s future and education<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcd3f8b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bcd3f8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The RESP (Registered Education Savings Plan) is one of the most advantageous registered plans to build education savings. This registered plan allows your contributions and investments to grow tax-free, while benefiting from government grants offered by Canada to support post-secondary education.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3fafc58 e-con-full e-flex e-con e-child\" data-id=\"3fafc58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c28d508 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"c28d508\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c96d706 elementor-widget elementor-widget-image\" data-id=\"c96d706\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/reee_1-scaled-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-1934\" alt=\"\" srcset=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/reee_1-scaled-1-1024x683.jpg 1024w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/reee_1-scaled-1-300x200.jpg 300w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/reee_1-scaled-1-768x512.jpg 768w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/reee_1-scaled-1-1536x1024.jpg 1536w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/reee_1-scaled-1-2048x1366.jpg 2048w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/reee_1-scaled-1-450x300.jpg 450w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-595d76a e-con-full alp-title-spacing e-flex e-con e-child\" data-id=\"595d76a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c86c58b elementor-widget elementor-widget-text-editor\" data-id=\"c86c58b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" style=\"font-weight: 400;\" contenteditable=\"true\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"\u00c9crivez ici...\">What is an RESP?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5766078 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5766078\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">An RESP is designed to fund your children\u2019s higher education and post-secondary studies by combining your savings efforts with government support.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your contributions generate funds that grow tax-free as long as they remain in the plan.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Government of Canada provides the Canada Education Savings Grant (CESG), and some provinces offer additional matching programs.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At withdrawal, amounts are taxed in the hands of the beneficiary, who typically pays very little tax.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89308c2 e-con-full e-flex e-con e-child\" data-id=\"89308c2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ad69e2e e-con-full e-flex e-con e-child\" data-id=\"ad69e2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6b8a92 alp-title elementor-widget elementor-widget-text-editor\" data-id=\"b6b8a92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"margin-bottom: 35px;\">RESP and financial planning<\/h2><p>The RESP is an essential financial planning tool to prepare for your children\u2019s education. Thanks to the combined effect of contributions, grants, and investments, your children will have greater educational and career opportunities.<\/p><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f1f412 elementor-widget elementor-widget-button\" data-id=\"8f1f412\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to an advisor<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bace710 e-con-full mbzero   e-flex e-con e-child\" data-id=\"bace710\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-16fb9c4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"16fb9c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91c16c7 elementor-widget elementor-widget-heading\" data-id=\"91c16c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Our advisors help you to:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5fddea elementor-widget elementor-widget-text-editor\" data-id=\"d5fddea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Determine your ideal contributions based on your goals<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maximize the government grants available<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the best investments to optimize your returns<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Integrate the RESP into your other registered plans such as RRSPs or TFSAs<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\">Plan benefits tailored to finance your children\u2019s education<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c48ec7 e-con-full alp-title e-flex e-con e-child\" data-id=\"7c48ec7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac6bee0 elementor-widget elementor-widget-text-editor\" data-id=\"ac6bee0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"text-align: center;\">Why invest in an RESP?<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6042b36 e-con-full e-flex e-con e-child\" data-id=\"6042b36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2a8aa5c e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"2a8aa5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55bdd03 elementor-widget elementor-widget-image\" data-id=\"55bdd03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/competitifs-colored.svg\" class=\"attachment-large size-large wp-image-1719\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-450cd27 elementor-widget elementor-widget-text-editor\" data-id=\"450cd27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Attractive grants<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2ae952 elementor-widget elementor-widget-text-editor\" data-id=\"c2ae952\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Benefit from Canadian programs to accelerate your savings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c2dbef e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"7c2dbef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c295b4f elementor-widget elementor-widget-image\" data-id=\"c295b4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/clarte-colored.svg\" class=\"attachment-large size-large wp-image-1743\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8126927 elementor-widget elementor-widget-text-editor\" data-id=\"8126927\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tax-free savings<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6a04de elementor-widget elementor-widget-text-editor\" data-id=\"b6a04de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Grow your contributions and funds sheltered from tax.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6894deb e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6894deb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInDown&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc4922c elementor-widget elementor-widget-image\" data-id=\"bc4922c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/accessibilite-colored.svg\" class=\"attachment-large size-large wp-image-1717\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af6178f elementor-widget elementor-widget-text-editor\" data-id=\"af6178f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Accessible education<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa77afd elementor-widget elementor-widget-text-editor\" data-id=\"fa77afd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Give your children broader access to post-secondary education.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2dd6fef e-con-full e-flex e-con e-child\" data-id=\"2dd6fef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c181a42 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"c181a42\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1f7347 elementor-widget elementor-widget-image\" data-id=\"d1f7347\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/home-propos-1024x683.jpg\" class=\"attachment-large size-large wp-image-1936\" alt=\"\" srcset=\"https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/home-propos-1024x683.jpg 1024w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/home-propos-300x200.jpg 300w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/home-propos-768x512.jpg 768w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/home-propos-1536x1025.jpg 1536w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/home-propos-450x300.jpg 450w, https:\/\/alpfinance.ca\/wp-content\/uploads\/2025\/09\/home-propos.jpg 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4937eeb e-con-full alp-title-spacing e-flex e-con e-child\" data-id=\"4937eeb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d676bc elementor-widget elementor-widget-text-editor\" data-id=\"7d676bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" style=\"font-weight: 400;\" contenteditable=\"true\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"\u00c9crivez ici...\">The advantages of an RESP<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39f86a1 elementor-widget__width-initial mbzero elementor-widget elementor-widget-text-editor\" data-id=\"39f86a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accumulate education savings sheltered from tax<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access additional benefits thanks to government grants<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diversify your investments through different funds<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Benefit from a registered plan recognized by the Government of Canada<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contribute directly to your children\u2019s education and future opportunities<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be guided by a financial planning advisor to maximize your results<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-016a028 elementor-widget elementor-widget-button\" data-id=\"016a028\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a meeting<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39a11b2 e-con-full e-flex e-con e-child\" data-id=\"39a11b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f1be61 elementor-widget elementor-widget-shortcode\" data-id=\"7f1be61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div id=\"reee-calculator-container\" class=\"reee-calculator-wrapper\" data-version=\"1.0.0\">\n    <div class=\"reee-calculator\">\n        <div class=\"calculator-header\">\n            <h2>Let\u2019s look at the numbers<\/h2>\n        <\/div>\n        \n        <div class=\"calculator-content\">\n            <div class=\"form-section\">\n                <!-- Child Information -->\n                <div class=\"section-header\">\n                    <h3 class=\"section-title\">Tell us about your beneficiary:<\/h3>\n                <\/div>\n                \n                <div class=\"form-group\">\n                    <label for=\"ageActuel\">Current age<\/label>\n                    <div class=\"form-input\">\n                        <select id=\"ageActuel\" name=\"age_actuel\">\n                                                            <option value=\"0\" >0 year<\/option>\n                                                            <option value=\"1\" >1 year<\/option>\n                                                            <option value=\"2\" >2 years<\/option>\n                                                            <option value=\"3\" >3 years<\/option>\n                                                            <option value=\"4\" >4 years<\/option>\n                                                            <option value=\"5\" >5 years<\/option>\n                                                            <option value=\"6\"  selected='selected'>6 years<\/option>\n                                                            <option value=\"7\" >7 years<\/option>\n                                                            <option value=\"8\" >8 years<\/option>\n                                                            <option value=\"9\" >9 years<\/option>\n                                                            <option value=\"10\" >10 years<\/option>\n                                                            <option value=\"11\" >11 years<\/option>\n                                                            <option value=\"12\" >12 years<\/option>\n                                                            <option value=\"13\" >13 years<\/option>\n                                                            <option value=\"14\" >14 years<\/option>\n                                                            <option value=\"15\" >15 years<\/option>\n                                                            <option value=\"16\" >16 years<\/option>\n                                                            <option value=\"17\" >17 years<\/option>\n                                                            <option value=\"18\" >18 years<\/option>\n                                                            <option value=\"19\" >19 years<\/option>\n                                                            <option value=\"20\" >20 years<\/option>\n                                                            <option value=\"21\" >21 years<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"error-message\">Current age cannot be greater than or equal to age starting post-secondary education.<\/div>\n                <\/div>\n                \n                <div class=\"form-group\">\n                    <label for=\"ageEtudes\">Age starting post-secondary education<\/label>\n                    <div class=\"form-input\">\n                        <select id=\"ageEtudes\" name=\"age_etudes\">\n                                                            <option value=\"16\" >16 years<\/option>\n                                                            <option value=\"17\" >17 years<\/option>\n                                                            <option value=\"18\"  selected='selected'>18 years<\/option>\n                                                            <option value=\"19\" >19 years<\/option>\n                                                            <option value=\"20\" >20 years<\/option>\n                                                            <option value=\"21\" >21 years<\/option>\n                                                            <option value=\"22\" >22 years<\/option>\n                                                            <option value=\"23\" >23 years<\/option>\n                                                            <option value=\"24\" >24 years<\/option>\n                                                            <option value=\"25\" >25 years<\/option>\n                                                            <option value=\"26\" >26 years<\/option>\n                                                            <option value=\"27\" >27 years<\/option>\n                                                            <option value=\"28\" >28 years<\/option>\n                                                            <option value=\"29\" >29 years<\/option>\n                                                            <option value=\"30\" >30 years<\/option>\n                                                            <option value=\"31\" >31 years<\/option>\n                                                            <option value=\"32\" >32 years<\/option>\n                                                            <option value=\"33\" >33 years<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"error-message\">Age starting post-secondary education cannot be lesser than or equal to current age.<\/div>\n                <\/div>\n                \n                <div class=\"form-group\">\n                    <label for=\"anneesEtudes\">Number of years of study<\/label>\n                    <div class=\"form-input\">\n                        <select id=\"anneesEtudes\" name=\"annees_etudes\">\n                                                            <option value=\"1\" >1 year<\/option>\n                                                            <option value=\"2\" >2 years<\/option>\n                                                            <option value=\"3\" >3 years<\/option>\n                                                            <option value=\"4\"  selected='selected'>4 years<\/option>\n                                                            <option value=\"5\" >5 years<\/option>\n                                                            <option value=\"6\" >6 years<\/option>\n                                                            <option value=\"7\" >7 years<\/option>\n                                                            <option value=\"8\" >8 years<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"popover-container\">\n                        <button type=\"button\">\n                            <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><path d=\"M12.99569,15.9688603 L12.99569,10.99991 C12.99569,10.4479155 12.5486945,9.99992 11.9957,9.99992 C11.4427056,9.99992 10.99571,10.4479155 10.99571,10.99991 L10.99571,15.9688603 C10.99571,16.5208548 11.4427056,16.9688503 11.9957,16.9688503 C12.5486945,16.9688503 12.99569,16.5208548 12.99569,15.9688603 M11.9957,6.99995 C11.4427056,6.99995 10.99571,7.44794552 10.99571,7.99994 C10.99571,8.55193448 11.4427056,8.99993 11.9957,8.99993 C12.5486945,8.99993 12.99569,8.55193448 12.99569,7.99994 C12.99569,7.44794552 12.5486945,6.99995 11.9957,6.99995 M11.9957,3.99998 C9.85872141,3.99998 7.8497415,4.83197168 6.33875661,6.34395656 C3.2197878,9.46292537 3.2197878,14.5378746 6.33875661,17.6568434 C7.8497415,19.1678283 9.85872141,19.99982 11.9957,19.99982 C14.1326787,19.99982 16.1416586,19.1678283 17.6526435,17.6568434 C20.7716123,14.5378746 20.7716123,9.46292537 17.6526435,6.34395656 C16.1416586,4.83197168 14.1326787,3.99998 11.9957,3.99998 M11.9957,21.9998 C9.32472675,21.9998 6.81275187,20.9598104 4.92477075,19.0708293 C1.02480975,15.1718683 1.02480975,8.82793172 4.92477075,4.92897071 C6.81275187,3.0399896 9.32472675,2 11.9957,2 C14.6666733,2 17.1786482,3.0399896 19.0666293,4.92897071 C22.9665903,8.82793172 22.9665903,15.1718683 19.0666293,19.0708293 C17.1786482,20.9598104 14.6666733,21.9998 11.9957,21.9998\" fill=\"#04301B\"><\/path><\/g><\/svg>\n                        <\/button>\n                        <div class=\"popover\">How many years do you anticipate your beneficiary will study at a post-secondary institution?<\/div>\n                    <\/div>\n                <\/div>\n                \n                <div class=\"form-group\">\n                    <label for=\"fraisScolarite\">Annual education cost<\/label>\n                    <div class=\"form-input\">\n                        <input type=\"text\" id=\"fraisScolarite\" name=\"frais_scolarite\" \n                            value=\"7312\" \n                            min=\"1\" max=\"100000\" step=\"100\">\n                    <\/div>\n                    <div class=\"popover-container\">\n                        <button type=\"button\">\n                            <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><path d=\"M12.99569,15.9688603 L12.99569,10.99991 C12.99569,10.4479155 12.5486945,9.99992 11.9957,9.99992 C11.4427056,9.99992 10.99571,10.4479155 10.99571,10.99991 L10.99571,15.9688603 C10.99571,16.5208548 11.4427056,16.9688503 11.9957,16.9688503 C12.5486945,16.9688503 12.99569,16.5208548 12.99569,15.9688603 M11.9957,6.99995 C11.4427056,6.99995 10.99571,7.44794552 10.99571,7.99994 C10.99571,8.55193448 11.4427056,8.99993 11.9957,8.99993 C12.5486945,8.99993 12.99569,8.55193448 12.99569,7.99994 C12.99569,7.44794552 12.5486945,6.99995 11.9957,6.99995 M11.9957,3.99998 C9.85872141,3.99998 7.8497415,4.83197168 6.33875661,6.34395656 C3.2197878,9.46292537 3.2197878,14.5378746 6.33875661,17.6568434 C7.8497415,19.1678283 9.85872141,19.99982 11.9957,19.99982 C14.1326787,19.99982 16.1416586,19.1678283 17.6526435,17.6568434 C20.7716123,14.5378746 20.7716123,9.46292537 17.6526435,6.34395656 C16.1416586,4.83197168 14.1326787,3.99998 11.9957,3.99998 M11.9957,21.9998 C9.32472675,21.9998 6.81275187,20.9598104 4.92477075,19.0708293 C1.02480975,15.1718683 1.02480975,8.82793172 4.92477075,4.92897071 C6.81275187,3.0399896 9.32472675,2 11.9957,2 C14.6666733,2 17.1786482,3.0399896 19.0666293,4.92897071 C22.9665903,8.82793172 22.9665903,15.1718683 19.0666293,19.0708293 C17.1786482,20.9598104 14.6666733,21.9998 11.9957,21.9998\" fill=\"#04301B\"><\/path><\/g><\/svg>\n                        <\/button>\n                        <div class=\"popover\">How much do you anticipate that post-secondary education will cost on an annual basis? You may want to consider factors such as tuition, housing and books.<\/div>\n                    <\/div>\n                    <div class=\"error-message\">Maximum annual education cost cannot exceed $100,000.<\/div>\n                <\/div>\n\n                <!-- Investment Information -->\n                <div class=\"section-header\">\n                    <h3 class=\"section-title\">Tell us about your investments:<\/h3>\n                    <div class=\"investment-note\">\n                        <p>We\u2019ll assume a 4% rate of return on your investments for these calculations.<\/p>\n                    <\/div>\n                <\/div>\n\n                \n                <div class=\"form-group\">\n                    <label for=\"epargneActuelle\">Current RESP savings<\/label>\n                    <div class=\"form-input\">\n                        <input type=\"text\" id=\"epargneActuelle\" name=\"epargne_actuelle\" \n                            value=\"0\" min=\"0\" max=\"50000\" step=\"100\">\n                    <\/div>\n                    <div class=\"popover-container\">\n                        <button type=\"button\">\n                            <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><path d=\"M12.99569,15.9688603 L12.99569,10.99991 C12.99569,10.4479155 12.5486945,9.99992 11.9957,9.99992 C11.4427056,9.99992 10.99571,10.4479155 10.99571,10.99991 L10.99571,15.9688603 C10.99571,16.5208548 11.4427056,16.9688503 11.9957,16.9688503 C12.5486945,16.9688503 12.99569,16.5208548 12.99569,15.9688603 M11.9957,6.99995 C11.4427056,6.99995 10.99571,7.44794552 10.99571,7.99994 C10.99571,8.55193448 11.4427056,8.99993 11.9957,8.99993 C12.5486945,8.99993 12.99569,8.55193448 12.99569,7.99994 C12.99569,7.44794552 12.5486945,6.99995 11.9957,6.99995 M11.9957,3.99998 C9.85872141,3.99998 7.8497415,4.83197168 6.33875661,6.34395656 C3.2197878,9.46292537 3.2197878,14.5378746 6.33875661,17.6568434 C7.8497415,19.1678283 9.85872141,19.99982 11.9957,19.99982 C14.1326787,19.99982 16.1416586,19.1678283 17.6526435,17.6568434 C20.7716123,14.5378746 20.7716123,9.46292537 17.6526435,6.34395656 C16.1416586,4.83197168 14.1326787,3.99998 11.9957,3.99998 M11.9957,21.9998 C9.32472675,21.9998 6.81275187,20.9598104 4.92477075,19.0708293 C1.02480975,15.1718683 1.02480975,8.82793172 4.92477075,4.92897071 C6.81275187,3.0399896 9.32472675,2 11.9957,2 C14.6666733,2 17.1786482,3.0399896 19.0666293,4.92897071 C22.9665903,8.82793172 22.9665903,15.1718683 19.0666293,19.0708293 C17.1786482,20.9598104 14.6666733,21.9998 11.9957,21.9998\" fill=\"#04301B\"><\/path><\/g><\/svg>\n                        <\/button>\n                        <div class=\"popover\">How much do you currently have saved in your RESP? This amount cannot be greater than $50,000.<\/div>\n                    <\/div>\n                    <div class=\"error-message\">Maximum RESP savings amount cannot exceed $50,000.<\/div>\n                <\/div>\n                \n                <div class=\"form-group\">\n                    <label for=\"cotisationAnnuelle\">Annual RESP contributions<\/label>\n                    <div class=\"form-input\">\n                        <input type=\"text\" id=\"cotisationAnnuelle\" name=\"cotisation_annuelle\" \n                           value=\"1000\" min=\"0\" max=\"50000\" step=\"100\">\n                        <p class=\"form-help\">Contribute $2,500 per beneficiary for maximum CESG benefit.<\/p>\n                    <\/div>\n                    <div class=\"popover-container\">\n                        <button type=\"button\">\n                            <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><path d=\"M12.99569,15.9688603 L12.99569,10.99991 C12.99569,10.4479155 12.5486945,9.99992 11.9957,9.99992 C11.4427056,9.99992 10.99571,10.4479155 10.99571,10.99991 L10.99571,15.9688603 C10.99571,16.5208548 11.4427056,16.9688503 11.9957,16.9688503 C12.5486945,16.9688503 12.99569,16.5208548 12.99569,15.9688603 M11.9957,6.99995 C11.4427056,6.99995 10.99571,7.44794552 10.99571,7.99994 C10.99571,8.55193448 11.4427056,8.99993 11.9957,8.99993 C12.5486945,8.99993 12.99569,8.55193448 12.99569,7.99994 C12.99569,7.44794552 12.5486945,6.99995 11.9957,6.99995 M11.9957,3.99998 C9.85872141,3.99998 7.8497415,4.83197168 6.33875661,6.34395656 C3.2197878,9.46292537 3.2197878,14.5378746 6.33875661,17.6568434 C7.8497415,19.1678283 9.85872141,19.99982 11.9957,19.99982 C14.1326787,19.99982 16.1416586,19.1678283 17.6526435,17.6568434 C20.7716123,14.5378746 20.7716123,9.46292537 17.6526435,6.34395656 C16.1416586,4.83197168 14.1326787,3.99998 11.9957,3.99998 M11.9957,21.9998 C9.32472675,21.9998 6.81275187,20.9598104 4.92477075,19.0708293 C1.02480975,15.1718683 1.02480975,8.82793172 4.92477075,4.92897071 C6.81275187,3.0399896 9.32472675,2 11.9957,2 C14.6666733,2 17.1786482,3.0399896 19.0666293,4.92897071 C22.9665903,8.82793172 22.9665903,15.1718683 19.0666293,19.0708293 C17.1786482,20.9598104 14.6666733,21.9998 11.9957,21.9998\" fill=\"#04301B\"><\/path><\/g><\/svg>\n                        <\/button>\n                        <div class=\"popover\">How much money will you contribute to your RESP on an annual basis? This amount cannot be greater than $5,000.<\/div>\n                    <\/div>\n                    <div class=\"error-message\">Maximum annual RESP contribution amount cannot exceed $5,000.<\/div>\n                <\/div>\n                \n                <div class=\"form-group\">\n                    <label for=\"economiesSupp\">Current additional savings<\/label>\n                    <div class=\"form-input\">\n                        <input type=\"text\" id=\"economiesSupp\" name=\"economies_supp\" \n                            value=\"0\" min=\"0\" max=\"1000000\" step=\"100\">\n                    <\/div>\n                    <div class=\"popover-container\">\n                        <button type=\"button\">\n                            <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><path d=\"M12.99569,15.9688603 L12.99569,10.99991 C12.99569,10.4479155 12.5486945,9.99992 11.9957,9.99992 C11.4427056,9.99992 10.99571,10.4479155 10.99571,10.99991 L10.99571,15.9688603 C10.99571,16.5208548 11.4427056,16.9688503 11.9957,16.9688503 C12.5486945,16.9688503 12.99569,16.5208548 12.99569,15.9688603 M11.9957,6.99995 C11.4427056,6.99995 10.99571,7.44794552 10.99571,7.99994 C10.99571,8.55193448 11.4427056,8.99993 11.9957,8.99993 C12.5486945,8.99993 12.99569,8.55193448 12.99569,7.99994 C12.99569,7.44794552 12.5486945,6.99995 11.9957,6.99995 M11.9957,3.99998 C9.85872141,3.99998 7.8497415,4.83197168 6.33875661,6.34395656 C3.2197878,9.46292537 3.2197878,14.5378746 6.33875661,17.6568434 C7.8497415,19.1678283 9.85872141,19.99982 11.9957,19.99982 C14.1326787,19.99982 16.1416586,19.1678283 17.6526435,17.6568434 C20.7716123,14.5378746 20.7716123,9.46292537 17.6526435,6.34395656 C16.1416586,4.83197168 14.1326787,3.99998 11.9957,3.99998 M11.9957,21.9998 C9.32472675,21.9998 6.81275187,20.9598104 4.92477075,19.0708293 C1.02480975,15.1718683 1.02480975,8.82793172 4.92477075,4.92897071 C6.81275187,3.0399896 9.32472675,2 11.9957,2 C14.6666733,2 17.1786482,3.0399896 19.0666293,4.92897071 C22.9665903,8.82793172 22.9665903,15.1718683 19.0666293,19.0708293 C17.1786482,20.9598104 14.6666733,21.9998 11.9957,21.9998\" fill=\"#04301B\"><\/path><\/g><\/svg>\n                        <\/button>\n                        <div class=\"popover\">Do you currently have any additional savings that you\u2019ll be using to help pay for post-secondary education? For the purposes of this calculator, we\u2019ll assume a 35% tax rate on savings growth.<\/div>\n                    <\/div>\n                    <div class=\"error-message\">Maximum additional savings amount cannot exceed $1,000,000.<\/div>\n                <\/div>\n                \n                <div class=\"form-group\">\n                    <label for=\"cotisationSupp\">Projected additional savings<\/label>\n                    <div class=\"form-input\">\n                        <input type=\"text\" id=\"cotisationSupp\" name=\"cotisation_supp\" \n                            value=\"0\" min=\"0\" max=\"1000000\" step=\"100\">\n                    <\/div>\n                    <div class=\"popover-container\">\n                        <button type=\"button\">\n                            <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" focusable=\"false\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><path d=\"M12.99569,15.9688603 L12.99569,10.99991 C12.99569,10.4479155 12.5486945,9.99992 11.9957,9.99992 C11.4427056,9.99992 10.99571,10.4479155 10.99571,10.99991 L10.99571,15.9688603 C10.99571,16.5208548 11.4427056,16.9688503 11.9957,16.9688503 C12.5486945,16.9688503 12.99569,16.5208548 12.99569,15.9688603 M11.9957,6.99995 C11.4427056,6.99995 10.99571,7.44794552 10.99571,7.99994 C10.99571,8.55193448 11.4427056,8.99993 11.9957,8.99993 C12.5486945,8.99993 12.99569,8.55193448 12.99569,7.99994 C12.99569,7.44794552 12.5486945,6.99995 11.9957,6.99995 M11.9957,3.99998 C9.85872141,3.99998 7.8497415,4.83197168 6.33875661,6.34395656 C3.2197878,9.46292537 3.2197878,14.5378746 6.33875661,17.6568434 C7.8497415,19.1678283 9.85872141,19.99982 11.9957,19.99982 C14.1326787,19.99982 16.1416586,19.1678283 17.6526435,17.6568434 C20.7716123,14.5378746 20.7716123,9.46292537 17.6526435,6.34395656 C16.1416586,4.83197168 14.1326787,3.99998 11.9957,3.99998 M11.9957,21.9998 C9.32472675,21.9998 6.81275187,20.9598104 4.92477075,19.0708293 C1.02480975,15.1718683 1.02480975,8.82793172 4.92477075,4.92897071 C6.81275187,3.0399896 9.32472675,2 11.9957,2 C14.6666733,2 17.1786482,3.0399896 19.0666293,4.92897071 C22.9665903,8.82793172 22.9665903,15.1718683 19.0666293,19.0708293 C17.1786482,20.9598104 14.6666733,21.9998 11.9957,21.9998\" fill=\"#04301B\"><\/path><\/g><\/svg>\n                        <\/button>\n                        <div class=\"popover\">Do you anticipate having additional savings to contribute to help pay for post-secondary education? For the purposes of this calculator, we\u2019ll assume a 35% tax rate on savings growth.<\/div>\n                    <\/div>\n                    <div class=\"error-message\">Maximum additional savings amount cannot exceed $1,000,000.<\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Results Section -->\n            <div class=\"results-section\" id=\"resultats\">\n                <div class=\"results-header\">\n                    <div class=\"result-resume\">\n                        <h3 id=\"resultOver\">You\u2019re set to exceed your goal by <span class=\"amount\" id=\"resultOverValue\"><\/span>!<\/h3>\n                        <h3 id=\"resultUnder\">Save an additional <span class=\"amount\" id=\"resultUnderValue\"><\/span> per year to meet your goal.<\/h3>\n                    <\/div>\n                <\/div>\n\n                <div class=\"chart-section\">\n                    <div class=\"chart-container\">\n                        <canvas id=\"savingsChart\"><\/canvas>\n                    <\/div>\n                    <ul class=\"chart-legends\">\n                        <li id=\"chartLegendSurplus\">Surplus<\/li>\n                        <li id=\"chartLegendDeficit\">Shortfall<\/li>\n                        <li id=\"chartLegendFrais\">Projected cost of education<\/li>\n                    <\/ul>\n                <\/div>\n\n                <div class=\"summary-stats\">\n                    <div class=\"stat-row\">\n                        <span class=\"stat-label\">Projected savings<\/span>\n                        <span class=\"stat-value\" id=\"epargnePrevu\"><\/span>\n                    <\/div>\n                    <div class=\"stat-row\">\n                        <span class=\"stat-label\">Projected cost of education<\/span>\n                        <span class=\"stat-value\" id=\"fraisPrevu\"><\/span>\n                    <\/div>\n                    <div class=\"stat-row\">\n                        <span class=\"stat-label\" id=\"statSurplus\">Surplus<\/span>\n                        <span class=\"stat-label\" id=\"statDeficit\">Shortfall<\/span>\n                        <span class=\"stat-value\" id=\"surplusValue\"><\/span>\n                    <\/div>\n                <\/div>\n\n                <div class=\"percentage-display\">\n                    You\u2019ve met <span id=\"percentageDone\"><\/span> of your savings goal. Let\u2019s chat about your next steps.                <\/div>\n            <\/div>\n        <\/div>\n\n        <div class=\"calculator-footer\">\n            <div class=\"accordion-container\">\n                <div class=\"accordion-item\">\n                    <button class=\"accordion-title\">\n                        <span>Assumptions<\/span>\n                        <svg class=\"chevron\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n                            <path d=\"M4,17a1,1,0,0,1-.65-1.76l8.12-7a1,1,0,0,1,1.31,0l7.88,7a1,1,0,1,1-1.32,1.5l-7.23-6.42L4.65,16.76A1,1,0,0,1,4,17Z\"\/>\n                        <\/svg>\n                    <\/button>\n                    <div class=\"accordion-content\">\n                        <ul class=\"assumptions-list\">\n                            <li>Education costs are assumed to increase at an inflation rate of 2% per year.<\/li>\n                            <li>There is a lifetime limit of $50,000 for RESP contributions. Once the $50,000 limit is reached, additional RESP contributions are allocated towards additional savings contributions.<\/li>\n                            <li>CESG is added at the end of the year to the RESP and interest is gathered the following year.<\/li>\n                            <li>The maximum CESG that can be received in total is $7,200.<\/li>\n                            <li>Interest accumulated through additional savings is taxed at a tax rate of 35%.<\/li>\n                        <\/ul>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Invest in your children\u2019s future and education The RESP (Registered Education Savings Plan) is one of the most advantageous registered plans to build education savings. This registered plan allows your contributions and investments to grow tax-free, while benefiting from government grants offered by Canada to support post-secondary education. What is an RESP? An RESP is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1931","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/1931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/comments?post=1931"}],"version-history":[{"count":13,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/1931\/revisions"}],"predecessor-version":[{"id":2875,"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/pages\/1931\/revisions\/2875"}],"wp:attachment":[{"href":"https:\/\/alpfinance.ca\/en\/wp-json\/wp\/v2\/media?parent=1931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}