Every year, between February and April, we all get some mixed emotions every time we are filing our income tax returns or we get someone to do it, some get too excited but some are getting frustrated.

I work with hard-working people who want to ensure that their future goal will be taken care of. We work hard and save enough to have a peace of mind knowing we can have a better future.

Planning for our children's future education is not a one-step process. Opening an account and setting up an auto-deposit into an RESP isn’t enough to achieve our long-term goal for our kids’ future.

It is very important to choose the right type of RESP. You can open an RESP at any bank, a credit union, a mutual fund company, an insurance company, an investment dealer or a group plan dealer.

RESP or Registered Education Savings Plan is an investment vehicle available to parents and caregivers to save for their children's post-secondary education.

She had a thought of cancelling the plan but worries what she could do to be able to have funds for her kids' college...

"She was glad to learn the strategy and decided to take my recommendation and invest with me…"