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If your estate plan will include assisting or protecting an individual who’s mental and/or physical disabilities leave him or her dependent on others, careful planning is necessary in order to add to their security and quality of life.

We prepare and help our clients file for the Disability Tax Credit (DTC) certificate, which is the cornerstone to acquiring many other benefits such as cash refunds, access to tax-free savings (Registered Disability Savings Plan), income tax reductions and much more.

For families who have a family member with a disability, financial trusts can be an extremely crucial part of financial and estate planning and can provide a number of benefits. There are a number of important decisions that must be made when establishing a trust as part of your estate plan.

Many people are unaware of the tax benefits that the government has in place to improve the lives of those dealing with mental or physical challenges on a daily basis. Fortunately, the government allows eligible persons to file tax adjustments for missed years, up to a maximum of ten years.

It is very important to establish a solid financial structure, but this is amplified when it is for someone challenged by an impairment. In these cases there are so many factors that must be considered to ensure this person is provided with enough to live a fulfilling life.

With the RDSP, you can build tax-sheltered savings for the future and was introduced by the government for the purpose of long-term investment growth.  The RDSP attracts matching grants and bonds from the government and can be set up by the person with the disability or their parent or guardian.