RDSP Advisor
Fee-for-service planning for special needs families · Virtual, across Canada
Special People Need Special Plans.
We Know How to Build One.
Your bank can open an RDSP — but almost no advisor can tell you how the RDSP, the Disability Tax Credit, and your government benefits fit together. We can. It's all we do.
WHAT'S ON THE TABLE FOR YOUR FAMILY
$90,000
in lifetime government grants & bonds available per RDSP beneficiary
10 years
of missed grants & bonds can be caught up — even if you're starting late
$0
effect on ODSP — the RDSP is fully exempt as an asset
The Problem
Why can't my bank help me with this?
Families walk into their branch with RDSP questions and walk out without answers. It's not your fault — the system genuinely isn't built for you.
🏦
Advisors don't know the RDSP
Not all financial institutions even offer RDSPs, and very few advisors understand how the accounts actually work. Most families get routed to a scripted telephone team.
🧩
The plan sits in a silo
RDSPs are usually managed on a standalone basis — never integrated with your taxes, your retirement, ODSP, or what happens to your loved one when you're gone.
🤝
Advice that puts you first
Too often the "advice" families get is really a sales pitch. We work fee-for-service: a transparent, flat fee for planning — accountable to one thing only: the family across the table.
Does This Sound Familiar?
Meet Sandra & Ryan
Sandra, 45, Calgary. A single parent living with her elderly parents and her son Ryan, 21, who has social anxiety and doesn't work. Sandra herself is on disability and had to retire early.
She receives CPP disability and an employer disability payment. She has an RDSP, TFSA and RRSP — but every time she asks her bank an RDSP question, she gets transferred to telephone banking and scripted answers.
She lies awake wondering: what happens to Ryan when I'm no longer here?
Will CPP, OAS and her pension be enough once CPP disability ends at 65?
Is her RDSP set up right — and is she leaving grant money unclaimed?
What is she actually paying in mutual fund fees, and is there a better way?
Ryan may qualify for the DTC, RDSP and AISH — how does she get him approved?
Who protects Ryan financially when she's gone?
Services & Pricing
Clear, flat fees. Fee-for-service planning.
Every engagement is virtual, Canada-wide, and priced up front — so you always know exactly what you're paying and what you get.
RDSP Foundations
Get the DTC and RDSP done right, and capture every grant and bond dollar your family is entitled to.
$999 one-time
$499 annual refresh (optional)
DTC eligibility review & application guidance
RDSP opening walkthrough — the right way
Grant & bond entitlement check (incl. 10-year catch-up)
Contribution strategy to maximize matching
Investment setup guidance for the RDSP
ODSP / provincial benefit interaction review
Special-Needs Family Plan
MOST COMPREHENSIVE
A full written financial plan for the whole family — built around your loved one's lifelong needs.
$3,000 one-time
$1,500 annual update · includes 90 days of support
Everything in RDSP Foundations
Retirement & benefit projections for parents and caregivers
Tax strategy across the household
Estate & "when we're gone" planning — Henson trust coordination with your lawyer
RESP vs RDSP strategy for your child
Written plan with clear action items
Integrated Wealth Management
Year-round planning and investment management — one team looking after your family's complete financial life.
Custom based on assets
For families who want it fully handled
Ongoing comprehensive planning, reviewed every year
Low-cost portfolio management through our partners
Annual RDSP grant & benefit optimization
Coordination with your lawyer & accountant
A standing team your family can call
Our Access Promise — free for the families who need it most
If your household income is under $60,000, or your loved one receives ODSP, the RDSP Foundations program is free. We reserve a limited number of waived files every month, because no family should miss out on government money they're entitled to just because they can't afford advice.
Try It Yourself
How much could your family get this year?
A quick estimate of this year's RDSP grant and bond, using the 2026 thresholds.
For beneficiaries under 19, use the parents' family net income. For adults 19+, use the beneficiary's (and spouse's) income.
Estimates only, based on 2026 federal thresholds (2024 tax-year income). Your official entitlement comes from ESDC's Statement of Entitlement — reviewing it with you is part of every engagement.
Free Resources
Start with our free guides
Written for parents and caregivers — not for other financial planners. Download, read, and take action today.
The Complete Map of Disability Benefits in Canada (2026)
Every federal & provincial program, in one picture.
DTC Application Preparation Guide
Get approved the first time — including how to work with your doctor.
How Much Can You Get in an RDSP — and How to Invest It
Grants, bonds, and what to do inside the account.
RDSP Grant & Bond Eligibility Checklist
A 5-minute check before you talk to anyone.
Does the RDSP Affect ODSP & Provincial Benefits?
Short answer: no — here's exactly why.
The Henson Trust — Protecting Your Disabled Loved One
When you need one, and how it works with the RDSP.
RDSP Withdrawal Rules — One-Pager
The 10-year rule, LDAPs, and how to avoid clawbacks.
Canada Disability Benefit — Application Walkthrough
Step-by-step through the newest federal benefit.
How to Qualify for ODSP & CPP Disability
Two guides covering eligibility, applications and appeals.
Canadian Life Insurance Buyer's Checklist
Protect your family — what to know before you buy a policy.
Watch & Learn
New videos every week
RDSP & DTC strategies for special needs families, explained in plain language — subscribe on YouTube @RDSPAdvisor.
Ask Us Anything
Have an RDSP or DTC question? We'll answer it on YouTube.
Submit your question below and we may answer it in an upcoming video — anonymously, unless you tell us it's okay to mention your first name.
Please don't include personal financial details — keep it general and we'll cover the concepts everyone can learn from. Submitting a question doesn't create an advisory relationship.
Our Team
A planner who has walked the RDSP road
Ahmed Mahiyan
CFA® · CFP® (Canada & U.S.) · CMT® · MFin
Founder & Financial Planner. Ahmed builds every plan personally — RDSP, DTC, benefits, investments, and the "when we're gone" questions.
Karar Tasmia
Relationship Manager
Your first point of contact. Karar takes care of onboarding, scheduling, paperwork and follow-ups — so nothing falls through the cracks and every family feels supported between meetings.
Ahmed started his career at two of Canada's largest banks — where, again and again, special needs families walked in with RDSP questions and walked out without answers. No advisor at the branch truly understood the plan. So Ahmed helped those families himself: step by step through the paperwork, the account opening, and the investing.
"The joy on those families' faces when the government grants and bonds finally arrived was priceless. I decided then: if I ever built my own practice, special needs families would be at the heart of it."
In 2022 he kept that promise and founded FIRE Financial — an independent, fee-for-service practice serving clients virtually across Canada. Then in 2023, the mission became personal: a close family member was diagnosed with a learning disability, and Ahmed lived the journey from the other side of the desk. Even as a professional planner, he found the paperwork overwhelming. That experience is why no family he serves has to figure it out alone.
As seen in The Globe and Mail Financial Facelift.
What Families Say
Trusted by families like yours
This platform has completely transformed how we manage our marketing campaigns. The ease of use and powerful features have made a significant impact on our ROI.
The automation capabilities are incredible. We've saved countless hours and improved our customer engagement significantly.
The analytics and reporting features give us insights we never had before. Our conversion rates have improved by 40%.
Ready to build your family's plan?
Book a complimentary meeting. We'll look at your situation, tell you exactly what your family is entitled to, and show you what working together looks like — no pressure, no obligation.
Advisory services provided by FIRE Financial Inc.
RDSP Advisor is a trade name of FIRE Financial Inc. Estimates on this page are for education only and are not a substitute for personalized advice. Grant and bond figures reflect 2026 federal thresholds and are indexed annually.
Pricing · Free Guides · About
© 2026 FIRE Financial Inc. All rights reserved.