Change Your Plan

How to Change Your Plan

RESPs are a long-term investment, and a lot can happen between the day you opened your plan and the day your child starts university or college. If your circumstances change, you may want to choose a new beneficiary or change subscribers. Whatever happens, we’re here to help you make the choices that are right for your family.

Change Beneficiary

You set up your RESP for the benefit of a child you expected to go on to post-secondary school. But if that child chooses a different life path, you may want to select a different beneficiary.

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Change Subscriber

Once an RESP is set up, the subscriber can be changed. A joint subscriber can be added or removed, for example, or a new subscriber can replace one who has passed away.

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Maximize Your Grants

Only an RESP is eligible to receive government grants, making it the best way to save for education. Make sure you are making the most of the grants available each year.Only an RESP is eligible to receive government grants, making it the best way to save for your child’s education. Learn how to make the most of the education savings grants available each year, including how to leverage unused grant room from previous years.

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Forms & Resources