Robert is meeting with his wealth advisor to review options to put a plan in...

A family RESP is the most appropriate education savings structure for Robert's two children. It permits multiple related beneficiaries and provides flexibility if one child does not use all of the education funding. Contributions can attract available education savings grants, and growth is tax-deferred until paid as educational assistance payments. A group RESP is less flexible and may impose restrictions that are not ideal for a family with different education paths. Individual RESPs can work, but they reduce the ability to shift unused resources between siblings compared with a family plan. An education-purpose trust lacks the RESP grant structure and tax treatment. The disabled son's broader planning may also require RDSP analysis, but that option is not offered and does not replace RESP education funding. The planner should confirm grant limits, contribution limits, beneficiary eligibility, and withdrawal rules. Study Guide focus: RESPs, family plans, education grants, tax-deferred education savings, and beneficiary flexibility.

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