Even before they arrive, you can be ready
You don’t need a Social Insurance Number (SIN) to start planning ahead with an RESP. We’ll help you create a plan today — and activate it when you’re ready.
Start a plan before
they’re born
Babies don’t come with instructions. But RESP contributions? We’ve got that covered. Start a plan before birth, grow your savings early, and make the handoff to your baby’s name when the time comes.
Here’s how it works:
- Start your RESP now (we’ll hold your spot)
- Wait for baby to arrive (we’ll wait with you)
- Apply for their SIN when you register the birth (look for the checkbox!)
- Come back and finish — with the SIN, we’ll unlock your plan and up to $7,200 in grants
Start your baby’s RESP now — activate it when they arrive
Get a head start
- Set up your baby’s RESP now — no need to wait for their arrival.
- You’ll see how much it could grow, including up to $7,200 in grants.
- Already have a family plan? You can add your new baby later.
- Your RESP goes live once you’ve got their SIN and name.
We'll remind you
- Get a reminder and we’ll nudge you when baby’s here and it’s SIN time. No calls, no pressure — just support when you need it.