At Afshar & Machaalani Group Private Wealth Management, we treat your education savings plan as a core component of your broader wealth strategy.

Whether you’re preparing to fund a grandchild’s medical degree, support a child through a trades program, or balance multiple educational paths within the family, we help you do it with structure, strategy, and confidence.

RESPs done right: Maximize every dollar and every option

The Registered Education Savings Plan (RESP) is a powerful tool. We help you unlock the full value of your RESP, making sure every opportunity is captured and every decision supports your long-term financial goals.

Here’s how we make RESP planning work harder for your family:

  • Optimized contributions

    With a lifetime cap of $50,000 per child, we help you time your RESP deposits to align with income, grant eligibility, and other wealth planning considerations.

  • Government grants that multiply your impact

    The Canada Education Savings Grant (CESG) adds 20% to your first $2,500 contributed annually—up to a lifetime max of $7,200 per child. We track unused room and help you catch up efficiently.

  • Flexible design for real life

    Not every child follows a straight academic path. RESPs allow for sibling transfers, family plan structures, and even RRSP rollovers under certain conditions. We ensure flexibility is baked into your strategy.

  • Provincial grants and bonus opportunities

    Depending on where you live, provincial incentives could add even more value to your RESP. We stay current and help you take full advantage.

Tailored to your values

No two families define educational success the same way. Some prioritize elite institutions. Others want to support practical training, travel, or specialized programs. We build around what matters most to you.

  • Want to help one child more than another? We’ll structure the plan for fairness without compromising your values.
  • Supporting grandchildren but also planning for legacy giving? We’ll balance both seamlessly.
  • Thinking about private school before university? We’ll help you build a multi-stage strategy that adapts as they grow.

Structure, accountability, and peace of mind

Every recommendation we make is grounded in data, strategy, and decades of experience working with affluent Canadian families. Our disciplined approach ensures your education savings plan does exactly what it should: support your loved ones without compromising your lifestyle, legacy, or retirement.