# Protecting Your Disabled Child's Financial Future: A Guide to RDSPs & Henson Trusts

Page: https://stenobird.com/podcast/moolala-money-made-simple-with-bruce-sellery-325078/protecting-your-disabled-child-s-financial-future-a-guide-to-rdsps-henson-trusts
Text version: https://stenobird.com/podcast/moolala-money-made-simple-with-bruce-sellery-325078/protecting-your-disabled-child-s-financial-future-a-guide-to-rdsps-henson-trusts.md
Podcast: [Moolala:  Money Made Simple with Bruce Sellery](https://stenobird.com/podcast/moolala-money-made-simple-with-bruce-sellery-325078)
Published: 2026-06-03T10:52:00+00:00
Episode link: https://moolala.podbean.com/e/protecting-your-disabled-childs-financial-future-a-guide-to-rdsps-henson-trusts/
Audio file: https://dts.podtrac.com/redirect.mp3/mcdn.podbean.com/mf/web/6ynej3zh4gcg6ct4/ep2615_segment3-Carol-Willes.mp3
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Duration seconds: 688

## Resource

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.

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## Transcript

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