When it comes to post-secondary education planning, wealth doesn’t automatically simplify the process—it often adds layers. You’re not just thinking about tuition. You’re managing grant timing, tax strategy, estate planning, and retirement—all at once. That’s why Judd Bisson & Associates Private Wealth Management doesn’t treat education planning as a checkbox. We treat it as a key piece of your financial ecosystem.
Whether you’re planning for your child, a grandchild, or multiple students over time, we help you create an education savings plan that works in harmony with the rest of your life.
RESPs: A powerful tool when used wisely
The Registered Education Savings Plan (RESP) is one of Canada’s most flexible and rewarding education planning tools. But it’s also one of the most underused.
We help you make the most of it:
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Lifetime contributions
With a $50,000 limit per child, timing matters. We guide you on how to contribute strategically to get the most out of each dollar.
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CESG matching
The Canada Education Savings Grant offers a 20% match on the first $2,500 per year, up to $7,200 per child. Missed a year? No problem—there’s room to catch up.
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Transfers and flexibility
Plans change. RESPs allow for transfers to other children, family plans, or even to an RRSP under specific conditions. We help you make those transitions smooth.
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Provincial bonuses
Depending on where you live, you may qualify for additional provincial grants. We’ll make sure you don’t miss a thing.
Integrating education into your bigger picture
An education savings plan doesn’t stand alone. It needs to align with your cash flow, tax strategy, and estate plan. We ensure your RESP strategy complements—not competes with—your long-term goals.
That might mean adjusting contribution levels to preserve TFSA room, planning for RESP withdrawals alongside retirement income, or structuring RESP ownership to simplify estate matters.
Tailored solutions for real families
No two families plan for education the same way. Some want to fully fund four-year programs. Others want to support children who may take a non-traditional route. Maybe you’re helping grandchildren while still supporting aging parents.
We don’t offer templated advice. We tailor every education strategy to reflect your values, vision, and responsibilities.
Planning for more than tuition
Post-secondary education costs go well beyond tuition. Travel, housing, technology, books, living expenses—these all add up. A solid plan should account for the full picture.
We work with you to forecast these costs and ensure your strategy includes everything—not just tuition. You’ll know where the funds are coming from, when they’re needed, and how they’ll impact the rest of your financial life.
We simplify the process, so you can focus on your family
Between RESP providers, legal considerations, tax decisions, and market fluctuations, education planning can feel like juggling.
We act as the single point of contact—coordinating with your accountant, lawyer, and other professionals to eliminate confusion and make sure your plan works as a whole. That means fewer missed opportunities and more peace of mind.
Always one step ahead
Tax rules shift. Grant eligibility changes. Investment markets move. That’s why our team stays ahead of the curve—bringing proactive updates and strategy adjustments as needed.
You won’t have to chase us for answers. We bring them to you, early and clearly. That’s the Judd Bisson & Associates difference.
A structured approach, built on trust
We use a disciplined planning process to make sure your education strategy is working. That includes regular plan reviews, tax integration, and flexibility for life’s surprises.
This isn’t about setting it and forgetting it. It’s about building something that can shift with your goals—without compromising your broader financial future.
The power of education, backed by planning
Helping a child or grandchild pursue education is one of the most meaningful gifts you can offer. But it’s also a financial responsibility that requires structure and foresight.
At Judd Bisson & Associates, we help you turn your hopes into a plan—one that supports learning, preserves your wealth, and reinforces your family values.