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RDSP Guide
Financial Planning
Empower Savings for Disability Needs

Discover how the Registered Disability Savings Plan can transform financial security for Canadians with disabilities. Through strategic savings, government contributions, and long-term investment growth, the RDSP offers a powerful pathway to financial independence and peace of mind for individuals and families across Canada.
Maximizing Your RDSP Grants & Bonds
Understanding how to fully leverage the Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB) is key to long-term financial security. We're here to guide you through the strategies and ensure you receive the maximum government contributions available for your Registered Disability Savings Plan.
By focusing on these key areas, you can significantly enhance your RDSP's growth, securing a brighter financial future for individuals living with disabilities in Alberta.
We help simplify the complexities and maximize your benefits.
What is an RDSP?
A Long-Term Savings Plan
The Registered Disability Savings Plan (RDSP) is a specialized, government-supported savings vehicle designed exclusively for Canadians with disabilities. It provides a tax-deferred environment where your contributions can grow alongside generous government grants and bonds.
Key Features
  • Available to Canadian residents under age 60 who qualify for the Disability Tax Credit
  • Government grants match contributions up to 300%
  • Low-income families receive bonds even without contributions
  • Tax-deferred investment growth
  • Lifetime contribution limit of $200,000
Why Choose Empire Life for Your RDSP?
At Chamberlain Experior Group, we exclusively partner with Empire Life to deliver exceptional RDSP solutions. Empire Life brings decades of expertise in disability financial planning, offering personalized investment options tailored to your unique needs and risk tolerance.
Proven Expertise
Trusted Canadian insurer with deep understanding of disability savings
Flexible Investment Options
Diverse portfolio choices to match your financial goals and timeline
Dedicated Support
Expert guidance throughout your RDSP journey
Government Grants: Maximize Your Contributions
The Canada Disability Savings Grant (CDSG) is one of the most compelling features of the RDSP. The government matches your personal contributions based on your family income, providing up to $3 for every $1 you contribute. This means your savings can grow three to four times faster than traditional savings plans.
300%
Maximum Match Rate
Families with net income under $106,717 receive $3 for every $1 contributed on the first $500
$70,000
Lifetime Grant Limit
Total government grants available per beneficiary over their lifetime
$1,500
Annual Grant Potential
Contribute $1,500 annually to receive the maximum $3,500 in matching grants
Canada Disability Savings Bond
Free Money for Low-Income Families
The Canada Disability Savings Bond (CDSB) provides up to $1,000 annually to low-income Canadians with disabilities—no personal contribution required. This ensures that even families without the means to contribute can build meaningful savings for the future.
Families with net income under $36,502 receive the full $1,000 bond. Those earning between $36,502 and $53,359 receive partial bonds. Over a lifetime, beneficiaries can receive up to $20,000 in bonds.
How RDSP Growth Works
Understanding the power of compound growth within an RDSP helps illustrate its long-term value. Your contributions, government grants, and bonds all grow tax-deferred, meaning more money stays invested and working for you.
Eligibility Requirements
01
Canadian Residency
Must be a resident of Canada with a valid Social Insurance Number
02
Age Requirements
Under 60 years of age at the time the RDSP is opened
03
Disability Tax Credit
Approved for the Disability Tax Credit (DTC) by the Canada Revenue Agency
04
Open Your Plan
Work with a financial institution like Empire Life to establish your RDSP account

Not yet approved for the DTC? We can help guide you through the application process to ensure you qualify for this essential benefit.
Real-World Impact: Sarah's Story
"Opening my RDSP at age 25 was the best financial decision I ever made. With my family contributing just $1,500 each year and the government grants, I've built over $85,000 in savings by age 35. It's given me confidence about my future."
Sarah's Journey
Sarah, diagnosed with cerebral palsy, opened her RDSP with Empire Life through Chamberlain Experior Group. Her parents contributed consistently, maximizing government grants. After 10 years of modest contributions and smart investment choices, her plan has grown substantially, providing security and independence.
$15K
Family Contributions
Total invested over 10 years
$85K
Current Value
Including grants and growth
Take Action: Your Next Steps
Verify DTC Eligibility
Confirm your Disability Tax Credit approval status with the CRA or begin the application process with professional guidance
Schedule a Consultation
Connect with Chamberlain Experior Group to explore your RDSP options and create a personalized savings strategy
Open Your Empire Life RDSP
Complete the application process and begin building your financial future with confidence and expert support
Your Financial Future Starts Today
The RDSP represents more than just a savings plan—it's a commitment to independence, dignity, and long-term financial security. With Empire Life's expertise and Chamberlain Experior Group's dedicated guidance, you have trusted partners in building a brighter tomorrow.
Don't wait to secure your future. Every year you delay means missed government grants and lost growth potential. Contact us today to discover how an RDSP can transform your financial outlook.
Ready to Begin?
Reach out to Chamberlain Experior Group for personalized RDSP guidance and Empire Life solutions tailored to your unique needs.
Contact Jim Chamberlain
Whether you're ready to start your farm succession planning consultation, need some direction on organizing business finances, or want to explore our solutions for your family, we're here to help with a free financial consultation.
As your dedicated Alberta financial advisor, we're committed to responding within one business day.
William Edward James (Jim) Chamberlain, PFP, CEA, CSC
Senior Manager, Chamberlain Experior Group
Office Locations
Office Hours: Monday–Friday, 9:00 AM – 5:00 PM MST
Evening and weekend appointments available by request

Flexible Meetings: Jim is often in the field meeting with clients across rural Alberta. The best way to connect is by phone or email, and we'll schedule a time that works for you—whether that's at our Calgary office, our Strathmore office, at your kitchen table, or over video call.
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