Secure Their Future, Shape Your Legacy
Give Them More Than Love—Give Them a Future
Every child deserves more than just love. They deserve a future you helped build.
With the Legacy & Education Savings Plan (LESP), you’re not just saving—you’re planting the seeds of possibility, opportunity, and generational change.
Who We Are and What We Do
Your Trusted Partner in Building Their Future
Every child carries a dream — and with the Legacy & Education Savings Plan (LESP), you can give them the freedom to chase it. LESP is more than a savings plan; it's a promise. A promise that you're planting seeds today that will blossom into opportunity tomorrow.
Whether you’re preparing for college, vocational training, or a financial jumpstart into adulthood, LESP provides the support, growth, and tax-advantaged benefits to make it happen — without the burden of debt.
Smart, flexible savings built to grow over time
1-on-1 expert guidance tailored to your goals
Tax-free growth and withdrawals
Supports funding your child’s dreams.
Combines protection with growth.
Flexible and reliable financial tool.
Our Service
Love That Protects.
A Legacy That Grows.
The LESP isn’t just financial planning — it’s a circle of support that connects families and their futures. Built for those who dream big and love deeply, our plan helps you provide for your child’s education and build long-term, tax-advantaged wealth. LESP ensures your family’s future is protected, nurtured, and strong—together.
Whether you're building a foundation for education or creating generational wealth, LESP offers:
Lifelong protection with guaranteed growth
Access to savings when you need it most
Tax-free wealth transfer for future generations
A powerful way to invest in your child’s tomorrow
Dual-Purpose Protection
One plan, two powers: lifelong insurance + future-ready savings for your child.
Tax-Free Growth
Your contributions grow tax-free with powerful compounding and long-term value.
Flexible Use of Funds
Not just for school—use it for their first car, first home, their wedding, or business startup.
Low to No Out-of-Pocket Costs
Make a big impact with a small shift in how you allocate existing support.
Guaranteed & Predictable Growth
Steady, risk-free returns—plus dividends—no matter the market conditions.
Builds Generational Wealth
Create a legacy that lives beyond you—and empowers the next generation.
100+
Successful Policies
Delivered Annually
25+
Expert Insurance
Smart Start Advisors
2.5k+
Happy and
Protected Families
30+
Years od
Combined Experience
Success Stories
Client Love
We’re honored to be part of our clients’ journeys.
At LESP, every plan we build is personal—because every family’s dreams are unique. Whether it’s saving for school, securing life insurance, or laying the foundation for a lasting legacy, we’re proud to support families at every step of their financial journey.
The most rewarding part? Hearing how LESP has made a real difference. From first homes and graduation caps to peace of mind and generational impact, our clients’ stories speak volumes.
Here are just a few of the moments that remind us why we do what we do.
- Evelyn O.
Mom & Entrepeneur
"I set up LESP for my son before he was six months old because my love for him means planning ahead. I want to give him not just an education, but the freedom to follow his dreams and build a future full of possibilities."
FAQ
Frequently Asked Questions
What is the Legacy & Education Savings Plan (LESP)?
LESP is a comprehensive savings program designed to help families build a lasting legacy while preparing for education and other important financial goals. It combines wealth-building, education funding, insurance protection, and legacy planning into one powerful strategy.
Who can benefit from the LESP?
Parents, Grandparents, Godparents, Aunts & Uncles - LESP is perfect for families who want to save not just for education, but also to create a flexible fund that supports their child’s future milestones—like buying a first car, purchasing a home, starting a business, or even planning a wedding—while also building legacy wealth and ensuring financial protection through insurance.
What is the 3-pronged approach used in LESP?
Education Savings – Dedicated to covering tuition and other qualified education-related expenses.
Insurance Protection – Offers life insurance coverage while also building accessible cash value over time, which can be used for a variety of life goals like buying a car, starting a business, or purchasing a first home.
Legacy Building – Focused on growing and preserving wealth to be passed down through future generations.
What types of expenses can LESP funds cover?
One of LESP’s biggest advantages is flexibility. Unlike traditional education savings plans that lock funds into education-only use, LESP gives you the freedom to access cash value for virtually any purpose—on your terms and timeline.
As the insurance component of the plan builds value over time, you can tap into those funds when opportunities or needs arise. That means you're not just saving for tuition—you're building a financial resource your child can use for:
Buying their first car
Making a down payment on a home
Covering wedding expenses
Funding a business idea
Supporting unforeseen life events
Whether education is the path they take or not, LESP ensures your child still has meaningful financial support to launch into adulthood with confidence. And because it's tied to an insurance structure, withdrawals are often tax-advantaged and more accessible than traditional RESP funds.
Bottom line: LESP adapts as your child’s goals evolve—so their options aren’t limited, and neither is your plan.
How flexible are the contributions to LESP?
LESP offers flexible contribution options to suit your budget and goals, allowing you to save consistently over time without rigid restrictions.
Is the Legacy & Education Savings Plan (LESP) the same as an RESP?
No, LESP is not the same as a Registered Education Savings Plan (RESP). While both help with education savings, LESP offers a broader approach that includes legacy building and insurance protection alongside education funding. It does however, incorporate the RESP (if you would like) as part of it's 3 pronged approach.
How does LESP differ from an RESP?
Unlike an RESP, which focuses solely on saving for post-secondary education, LESP combines education savings with life insurance coverage and legacy planning, giving families more flexibility to protect their financial future and build lasting wealth beyond just education expenses.
We help Canadian parents take control of their child’s future through the Legacy & Education Savings Plan (LESP) — a solution designed to build generational wealth, fund milestones and provide guaranteed, tax-advantaged growth.
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