✓ Verified math — proven against independent references; the full proof is under "How this is figured," below the results.
The one account where the government writes the first cheque: a 20% federal match on contributions, worth up to $7,200 per child. This page shows what an education fund grows to by 18 — and how starting late changes the catch-up plan, because unused grant room carries forward.
Family wealth planning runs through property as much as portfolios — when it does, this desk is the financing side of the table.
Arrange a confidential introductionRamin Hallaji, Principal — licensed in British Columbia (BCFSA) and Alberta, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca
Illustration only — not investment, tax, or financial-planning advice. Models the basic CESG: a 20% federal match on contributions, up to $500 of grant per year (up to $1,000 in catch-up years, since unused grant room carries forward), to a lifetime maximum of $7,200 per child; lifetime contributions cap at $50,000 per child. Grant room stops accruing after the year the child turns 17 and additional rules apply at ages 16–17; lower-income families may also receive Additional CESG and the Canada Learning Bond on top of the figures shown. Contributions modelled at the start of each year, constant returns, no fees or taxes. Confirm every plan with the client’s advisor. Private Wealth Financing arranges mortgage financing only.