Post-divorce RESP contribution arrangements should be based on each parent’s financial capacity and formally documented in your separation agreement.

When structuring ongoing RESP contributions after divorce, consider approaches that reflect each parent’s financial capacity. Common methods include: contributions proportional to income (similar to child support calculations), equal fixed amounts on a regular schedule, incorporating contributions into child support payments, or having one parent handle RESP contributions while the other covers different child-related expenses of similar value.

Your separation agreement should clearly document this plan to ensure consistency, and a CDFA can help develop a sustainable approach that maximizes government grants while working within both households’ financial realities