Canadian university graduates walking together at commencement
Education Should Be Within Reach

Help us build
brighter futures.

Every child deserves access to educational opportunity. Together, we can remove barriers and create pathways to post-secondary education for generations of Canadian students.

A young student reading in a bright classroom
Equal Access to Education

“Just because a student comes from a lower-income household doesn't mean they should be denied the opportunity to pursue higher education.

Our mission is to help low-income Canadian children access the full benefits of the Registered Education Savings Plan (RESP) program — ensuring that financial circumstances do not limit educational opportunity.

We provide more than funding. We offer a network of supporters and mentors committed to helping each child succeed on their educational journey.

How the Model Works

One investment.
One child. Then another.

The Foundation contributes $36,000 into a Registered Education Savings Plan for each child, designed to maximize the Canada Education Savings Grant and Canada Learning Bond. At maturity, the Foundation recovers its capital while government incentives and investment growth remain with the student.

Contribution Schedule

Per Child
AgeContributionCESG
  • Age 10$5,000$1,000
  • Age 11$5,000$1,000
  • Age 12$5,000$1,000
  • Age 13$5,000$1,000
  • Age 14$5,000$1,000
  • Age 15$5,000$1,000
  • Age 16$5,000$1,000
  • Age 17$1,000$200
  • Total$36,000$7,200
  1. 01
    Foundation Investment
    $36,000

    Contributed per child across an eight-year schedule.

  2. 02
    Government Support
    $7,200 CESG + $2,000 CLB

    Up to $9,200 in matching federal incentives.

  3. 03
    Projected Annual Return
    6%

    The RESP is invested for long-term growth.

  4. 04
    Projected RESP Value at Maturity
    ≈ $68,600

    Grown and ready to fund post-secondary education.

  5. 05
    Available for the Student
    ≈ $32,600

    Government incentives and investment growth remain with the child.

  6. 06
    Foundation Capital Returned
    $36,000

    Recovered and reinvested to support the next child.

* Projected figures based on a 6% annual return; actual results vary with markets and eligibility for federal programs.

Our Values

A foundation for
support and mentorship.

Our foundation raises capital through donations and partnerships with aligned organizations. Because the original capital is preserved and reinvested, every donation has the potential to create educational opportunity for generations of students.

01

Equity

Every child, regardless of household income, deserves a real path to higher education.

02

Access

We unlock the full benefit of federal RESP programs for families who need them most.

03

Stewardship

Capital is preserved and reinvested — each dollar continues to work for the next student.

04

Sustainability

A self-renewing model designed to support generations of Canadian students.

05

Mentorship

Beyond funding, we surround each child with a network of supporters and mentors.

06

Generational Impact

One investment today creates educational opportunity for children not yet born.

A mentor working with a student
Founder

Built on stewardship and long-term commitment.

The Education Foundation was founded to make the RESP framework accessible to Canadian families for whom the up-front contribution is out of reach — pairing disciplined financial stewardship with the promise of long-term educational opportunity.

Brett Creed, CFP®, CIM®
Founder — The Education Foundation