Episode
Protecting Your Disabled Child's Financial Future: A Guide to RDSPs & Henson Trusts
- Published
- Jun 3, 2026
- Duration seconds
- 688
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Summary
Carol Willes, Director of Estate Planning at BMO Private Wealth, offers essential guidance for families navigating the financial complexities of caring for a child with a disability. She breaks down the Registered Disability Savings Plan (RDSP), a tax-sheltered account eligible for up to $70,000 in government grants, and explains when and why a Henson Trust is the right tool for passing on an inheritance without disqualifying a child from provincial benefits. Carol also shares a cautionary real-life story about a well-intentioned estate plan that went wrong, and what every parent in this situation needs to know before it's too late. Connect with Carol on LinkedIn.