Finandicap offers you tailored services:
Finandicap is an independent financial services firm specializing in supporting people with disabilities and their loved ones. In addition to their expertise with the RDSP, Finandicap offers products related to the financial security of the entire family.
Registered Disability Savings Plan (RDSP)
Disability Tax Credit (DTC)
Personal insurance
Tax return preparation
Financial planning
Trustee support
Professional referral
The RDSP
The Registered Disability Savings Plan (RDSP) helps people with disabilities and their families save for the future. It improves future quality of life through significant, tax-sheltered savings and grants that do not affect government financial assistance. The RDSP is also a tool for estate planning. More info →
I would like to open or transfer my RDSP
RDSP
Up to $90,000 in government bonds and grants
Opening an RDSP: it’s easy
Choose a firm that puts inclusion and financial security at the heart of its mission. Open your RDSP today!
Transfer an RDSP free of charge
Choose a proven service: entrust us with your RDSP and benefit from expert advice tailored to people with disabilities.
Simplified process for opening or transferring an RDSP
Step 1 – Book an appointment online through our platform.
Step 2 – Meet with a mutual fund representative during a virtual meeting on Teams.
- He will explain the RDSP rules to you in detail
- He will develop a personalized savings plan with performance indicators tailored to your situation, which will be updated each year. You will then be able to electronically sign the documents for opening or transferring your RDSP
Step 3 – Your account is open.
- Your contributions will begin
- Government grants and bonds, when applicable, will be deposited automatically
- Ongoing follow-up will be provided by your representative
An online meeting can allow us to open or transfer your RDSP. Simplicity, just as you wanted.
Assistance with obtaining or renewing the Disability Tax Credit (DTC)
The DTC is a federal tax measure designed to offset the additional costs associated with a physical, mental, sensory, or social disability. It helps reduce the amount of tax payable for people with disabilities or their caregivers.
Une mesure d’assistance au CIPH
Why obtain the DTC
- Pay less tax
- Open a Registered Disability Savings Plan (RDSP)
- Apply for the Canada Disability Benefit (CDB)
- If applicable, receive the Child Disability Benefit (CDB)
Finandicap offers you support services for obtaining the DTC.
Attached, you will find our explanatory guide to this government program.
Personal insurance
Finandicap offers accessible, inclusive insurance solutions tailored to the realities of people with disabilities and their families, at the best possible cost.
Why choose Finandicap for your insurance needs?
- First consultation free: No obligation
- Specialized expertise: Our team understands your situation and offers tailored solutions
- Personalized advice: Caring service, with virtual meetings available
- Comprehensive approach: We calculate your insurance needs differently by taking government benefits into account
- Accessibility: Products available even after being declined elsewhere, thanks to our multiple providers
Money isn’t taboo: it’s an act of love Talking about money isn’t just talking about numbers. It’s talking about security, dignity, freedom, and peace of mind…Read more →
Personal insurance: who should purchase it?
The parents of a child with a disability
Planning their future, an act of love?
We support you by carefully assessing your insurance needs to ensure your family’s long-term financial security. Our personalized solutions take into account existing social programs.
The worker with a disability
Workers with disabilities: how to find suitable insurance
Are you self-employed or an employee and wish to have your needs assessed or purchase personal insurance? Depending on your needs, you will be referred to insurers who can offer you suitable products.
The child with a disability
Do I need to purchase insurance for my child with a disability?
To help parents of children with disabilities answer this question, we will assess your child’s RDSP and the reasons for taking out — or not taking out — insurance.
Don’t see yourself in any of these three categories? Feel free to book an appointment with a financial security advisor. They will be able to assist you and find the best solution for your financial security.
| Type of insurance | Description |
|---|---|
| Life Insurance | Financial security for your loved ones and an increase in your estate in the event of death. |
| Disability Insurance | Replacement income in case of inability to work |
| Critical Illness Insurance | Lump-sum payment in the event of a critical illness diagnosis |
| Supplemental Health Insurance | Coverage for medical expenses not covered by public plans |
| Travel Insurance | Medical coverage abroad, trip cancellation, repatriation |
I would like to purchase insurance or get more information about it →
Tax return preparation service
Starting in January 2026, Finandicap will offer a tax return preparation service.
- Starting in January 2026, Finandicap will offer a tax return preparation service.
- The assurance of receiving all tax credits that may apply to your situation
Book now for priority processing in 2026 by writing to Fallary@finandicap.com
Tailored financial planning
At Finandicap, tailored financial planning takes into account the full range of needs of people living with a disability and their loved ones. Our approach aims to offer solutions that respect each individual’s reality, considering specific factors related to health, employment, benefits, and family environment. This plan will help us make recommendations for selecting the right financial tools and will adequately prepare your estate.
The Finandiplan: integrating all aspects of life to ensure financial security
The Finandiplan is our exclusive approach to integrated financial security. This plan considers personal, family, tax, and estate dimensions. Through a personalized analysis, we ensure that every aspect of your life is taken into account, allowing you to:
- Define your life and financial goals for yourself and your family
- Optimize your investments and income based on your specific needs
- Protect your assets with solutions tailored for unforeseen events
- Implement regular follow-ups to ensure the plan evolves and adjusts according to your situation
Our team understands the unique challenges associated with disabilities and works in collaboration with available resources to support you at every stage of your financial journey.
I would like to become a client at Finandicap →
Trustee support services
Entrusting the management of a testamentary trust to Finandicap means choosing specialized expertise and personalized support, perfectly tailored to the realities of both beneficiaries and trustees.
Our main services
- Investment of funds: Secure and optimal management of trust assets
- Bookkeeping: Thorough and transparent monitoring of all trust financial transactions
- Tax reporting: Handling of tax returns to ensure compliance and peace of mind
Why choose Finandicap?
- We guide the executor to avoid any risk that could jeopardize the payment of government benefits
- We support guardians and trustees so they can fulfill their legal and administrative obligations, while clearly explaining the specific responsibilities related to trusts for the benefit of a person with a disability
- Our team has an in-depth understanding of the ecosystem of existing measures and services
- If needed, we can refer trustees to a social worker to support them beyond strictly financial matters
A customized clause in your will
To simplify the settlement of the estate and protect the interests of the beneficiaries, we offer a standard clause to include in your will, suggesting that a member of the Finandicap team becomes your right hand during this new stage.
Contact us to find out how Finandicap can secure your loved ones’ future with personalized support.
Professional referral
Since 2010, we have developed an incredible network of resources. We proactively connect you with these resources according to your needs. Our clients are well supported.
I would like to become a client at Finandicap →
We have several qualified services and professionals:
- Specialized accountants
- Mortgage loan services
- Specialist physicians
- Responsible investing
- Specialized notary