Most Canadians likely associate the month of April with taxes, but it’s actually the month of December that should get all the attention. This is especially true if you’re a post-secondary student and currently the beneficiary of a registered education savings plan (RESP), or the parent of someone who is. That’s because if you’re strategic each year in the timing and amounts of your RESP withdrawals, you may be able to get all the funds out of the plan tax free.
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