Why should I choose CST Spark for my RESPs?

At CST Spark, we get that there’s a lot riding on an RESP. A family’s hopes. A child’s dreams. All the work, over so many years, that goes into making those dreams a reality.

We do RESPs right. We work closely with our clients to help them understand the rules, maximize government grants and avoid tax penalties. As part of our mission to make RESPs simple and accessible, we provide easy-to-understand information about your account through our online portal. As a digital-first company, we bring you easy-to-use technology and access to your RESP plans on the go through your account online.

We expertly manage and rebalance the funds. In the early years, the objective of our Bright Plan is to maximize your growth potential by using an investment mix with an emphasis on equity investing. But we want to make sure this growth is preserved, so we transition to a more conservative investment mix over time with an emphasis on fixed income securities such as government and corporate bonds. You see, a market downturn is not a big deal in the initial years, because the funds will have time to recover, but when the beneficiary is only a few years from needing the money, we look at lower-risk investments. The result? You get an investment strategy that aims for early growth, and preservation of gains later when your beneficiary will need it.