Most children's savings are locked to a classroom. The Canadian Child Savings Plan grows steadily over the years and stays yours to use — for tuition, a first car, a wedding, or the opportunity nobody saw coming.
No penalties. No explanations required.
CCSP is a low-cost children's plan designed to grow alongside your child. It includes a foundation of permanent insurance for security, and builds value you can reach when your family needs it. Many parents start with money they already receive each month through the Canada Child Benefit — putting it to work instead of letting it disappear into everyday spending.
Steady contributions and time build real value by the time it matters — without you having to watch it every month.
The plan is owned and controlled by you — the parent or grandparent — not by a school, a lender, or a government program.
Tuition, a first car, a wedding, a down payment, or an emergency. Any time, any reason — without explaining why.
Tell us about your family and we'll prepare a free, personalized illustration showing how your plan could grow.
A qualified advisor walks you through the numbers in plain language. No pressure, no jargon.
Choose a contribution that fits your budget — plans are built around your situation, not a fixed minimum.
Your plan is in place and building value, with access whenever your family needs it.
Many families use both. An RESP is built for tuition; CCSP is built for whatever your child's future actually turns out to need.
| Question | Typical RESP | CCSP |
|---|---|---|
| What can the money be used for? | Education costs | Anything — any time, any reason |
| What if your child doesn't attend school? | Grants are returned; withdrawal rules apply | The plan is unaffected — the money is still yours |
| Who controls the money? | Rules follow the program | You do, as the plan owner |
| Is there insurance protection? | No | Yes — permanent insurance is built in |
Different tools for different jobs — an advisor can tell you which makes sense for your family.
Collette's career in financial consulting, insurance, and mortgage brokering dates back to 1983. He has served as a director on the board of the Canadian Mortgage Brokers Association (formerly IMBA), and as vice president of the Peel Multicultural Council.
His specialty has always been the same: finding the ways to make a family better off financially.
Today CCSP serves families across the Greater Toronto Area from North York — with the principle it started with: a good savings strategy should be easy to understand, and should improve your life now as well as your child's later.
"We've saved tens of thousands of dollars for our children over the last five years working with CCSP — thanks to them our children went to their dream schools."
"We have two kids and have been clients for 18 years. Our representative is knowledgeable and always available when we need him."
"Sean has always had our best interest in mind and the process was effortless. I feel great about placing my children's financial future in their hands."
Nothing happens to your plan. The money can be used at any time, for any reason — you don't have to explain the reason for a withdrawal, and there's no grant to give back.
The value in your plan is available at any time, for any purpose.
The value in the plan is owned and controlled by the plan owner — usually the parent or grandparent.
There's no fixed minimum. Each plan is designed to match your budget and your family's goals.
Yes. Your advisor reviews your plan values with you, and your illustration shows how the plan is expected to build over time.
Request a free illustration below. There's no cost and no obligation — you'll simply see what a plan could look like for your family.
See what a plan could look like for your family. It takes one conversation, it costs nothing, and there's no obligation to proceed.
Book your free consultation