JOJI FELECITAS B. PANTOJA, BSc
Financial Planning Advisor

CHILDREN                                                                                                                                           joji@waves.ca

The Future.

She may be the only child.  He may be the firstborn.  Perhaps you chose to have more.  Children usually personify your hopes.

You must express your love to them.  A sage once said: "You can give without loving, but you cannot love without giving."  Invest time with your children.  That's the best way you can express your love for them.  You cannot delegate this to anybody.

You also need to invest for the financial future of your children.  This one, you can delegate.

Call Joji Pantoja.  She understands.  She's a mother of three children.

INVESTMENT TOOLS FOR PARENTS

» RESP Calculator 
» Advantage of Early Investing 

"Imagine... your daughter's future ten years from now..."

That's what Joji told me and my husband after we presented our concerns for Lyn, our daughter.  Joji then helped us set up an educational plan for all our children...

...Lyn is now a graduating student at the University of British Columbia.

THELMA LO
49 year-old mother

If You Believe Your Child Is Destined for Higher Education


For many, saving for a child's education is a difficult task. On average, tuition, books and living expenses for a four-year term at University today can cost over $35,000. And with inflation and rising tuition fees, who knows what it could cost when your children are ready for post-secondary education? Fortunately the Government of Canada has designed a program to help you save the money. It's called a Registered Education Savings Plans, or RESP.

An RESP is a special account you open for a young friend or relative to save money for their future education. Your contributions aren't tax-deductible, but any income earned by money held within a RESP is tax-deferred.

Earn an extra $400/year

The Canadian Government has recently made the RESP program more attractive with the introduction of the Canada Education Savings Grant. The federal government will contribute up to 20% on the first $2,000 contributed annually to each plan. This could add up to $400 to the RESP savings each year.

RESP Fact: To make the most of available grants, it's smart to open a plan early, if only to make minor contributions. Grant entitlements can be carried forward to future years. So you could grab more of the CESG money later if you win or inherit some money.

Joji can help you set up an education savings plan

If a child in your life is destined for higher education, but you need help putting the money aside, email Joji Pantoja right now.  She can help you determine how much money you'll need to save, the best way to save it, and what monthly contributions you can afford.

Investment is like growing a tree.  You plant the seed, water it,
watch it sprout, nurture it, watch it grow, watch it bear fruit...