Advice

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...

“What will happen to my child after I am gone?”  This has to be one of the biggest questions parents of children with special needs have. When you have an adult son or daughter who is not able to live a fully independent life, figuring out the answers to this very...

Ironically, one of the most rattling things that can happen to a person on ODSP Is to receive an inheritance. It is rattling because they can lose their ODSP benefits. Lately, I have received calls and emails from people on ODSP who have received an inheritance from a...

A few weeks ago, I spoke with a frontline ODSP worker who described ODSP as a measure of last resort. In other words, ODSP is only for people facing financially desperate circumstances. Putting it simply, this is entirely false. Even middle-income families need to...

The Ontario Disability Support Program (ODSP) is complicated. To achieve a strong understanding of ODSP, you need to read and understand hundreds of pages of ODSP Policy Directives.  My experience is most people on ODSP and their supporting family members are so...

Reduce the Interest You Owe on Your Debt… The cost of carrying a mortgage is significant. You may pay tens, probably hundreds of thousands of dollars in interest on your mortgage over the life of the mortgage. When shopping for a mortgage, the common strategy is...