Advice

What’s fair? You want everyone in your family to have what they need, including yourself. You also want peace in your family. Sometimes these two goals collide. Making sure everyone has what they need may not satisfy everyone’s definition of fairness. Case in point. A...

You have an adult child receiving benefits from the Ontario Disability Support Program (ODSP), so you have a will that includes a Henson Trust to protect her ODSP after you have passed away.  You have chosen one or more trustees to manage the assets in that Henson...

Whether you have a child with a disability or not, the simple answer in almost all situations is yes. Retaining a lawyer to draft a proper will does cost. Many of my clients have paid in the neighbourhood of $1,500 to $2,500 for powers of attorney and a will that...

Understanding ODSP is a job in itself.  People do not know where to start. It’s a daunting task, trying to figure out which aspects to focus on.  There are well over a 100 policies providing hundreds of pages of reading.  Sound like fun?  You can access them on-line,...

Simply because parents earn a reasonable income, own a home and have savings does not mean their adult child can’t seek financial assistance from the government if they have a disability. Too many people are under the impression that benefits such as the Ontario...

Simply because you make a contribution to an RDSP account, does not mean you will get the government contributions you expect. RDSP accounts are complex and the government doesn’t make it easy for you.  There are a number of reasons why expected government...