Talking about money isn’t just about numbers. It’s about security, dignity, freedom, and peace of mind. When you have a child or a loved one with a disability, this conversation takes on a deeply human dimension. You want to know they’ll be okay—even after you’re gone.
But for many families, it’s a difficult topic. Several very human obstacles come up:
- Guilt: “I already feel like I’m not doing enough.”
- Fear of not having enough: “What if we don’t have enough money?”
- Fear of making mistakes: “I’m not an expert—I’ll probably mess it up.”
- Fear of being judged: “What if people think I’m trying to take advantage of the system?”
- Fear of the system itself: “I’m afraid of losing benefits if I declare something.”
And sometimes, we just don’t know where to start. Yet taking a step—even an imperfect one—already offers something precious: time, clarity, and stability. It says, “I’m thinking of you. I’m preparing for you.”
It saddens me that some professionals, like social workers, avoid the topic of money. It’s a missed opportunity to change lives. I sincerely hope that social work training will soon include courses on these essential topics. As one parent put it so well:
“I realized that by getting my finances in order, I was giving them the chance to make their own choices.”
Finandicap : expertise at the service of families
Finandicap was born from a conviction: families living with disability deserve a service that truly understands them. No unnecessary jargon, no ill-suited products. Just real listening, practical advice, and a team that knows your reality.
At Finandicap, our team members are also parents, caregivers, or people living with disabilities themselves. It’s this lived experience that makes our support so genuine. That’s why I founded Finandicap: to offer guidance that is both compassionate and rigorous.
Getting support means:
- Avoiding costly mistakes (like losing benefits due to lack of information);
- Optimizing resources (contributions, inheritances, planned withdrawals);
- Having a clear, step-by-step vision.
With the right support, it’s possible to use advanced strategies to maximize RDSP withdrawals, protect benefits, and strengthen the entire financial plan.
Our services cover the full financial life of the family:
- RDSP, RRSP, TFSA, RESP;
- Financial and estate planning;
- Support for guardians or trustees;
- Insurance and investments for the person with a disability and their loved ones.ds.
“Without Finandicap, I would never have known that my daughter could inherit without losing everything.”