Who I am
I am Sean Leduc, founder of The Inclusion Strategist. I am a licensed financial professional in Ontario, and I hold a life licence under the LLQP. My practice specialty is the RDSP and disability finance, and that focus is the reason this page exists.
I am a Disability Tax Credit certificate holder myself, and I hold an RDSP myself. That means I teach this from both sides of the desk. I know the forms and the rules, and I also know what it feels like to sit where you are sitting.
My approach starts with education, always. We slow down, we use plain English, and we make sure you understand every choice before anyone talks about products. There is no selling pressure here, and there never will be.
How working together works
We take this one step at a time, in the right order.
Step 1. A conversation about your situation and goals. We talk about your family, your income, your benefits, and what you want this money to do over time.
Step 2. We check the Disability Tax Credit, because it unlocks the RDSP. You can start with the Disability Tax Credit checker before we talk, or we can work through it together.
Step 3. We confirm RDSP eligibility together. The checker called Am I eligible for an RDSP? asks a few quick questions and shows where you stand.
Step 4. We open the plan and set contributions. We also look at catch up room for missed years, so grants and bonds from earlier years are not left behind. You can see how the numbers can build over time with the RDSP calculator.
Step 5. We review the plan as life changes. Income changes, benefits change, and family plans change. Regular reviews keep the RDSP working the way it should.
Who this is for
- Adults with disabilities who want a long term savings plan built around their own goals.
- Parents planning ahead for a child with a disability, including parents who are still early in the Disability Tax Credit process.
- Grandparents who want to contribute and help build security for a grandchild.
- Families receiving ODSP who have been told saving is risky. That worry is understandable, but it is not the full story here. The RDSP is exempt under ODSP, so saving inside the plan does not put those benefits at risk the way many families fear.
The DTC comes first
The order of operations matters with disability finance. The Disability Tax Credit comes first, because it is the key that opens the RDSP door. For most people, an RDSP cannot be opened until the credit is approved.
You can check where you stand with the DTC checker in a few minutes. If you applied before and were turned down, please read my guide for people who were denied the DTC before you give up. A denial deserves a closer look, not a closed door.
Where I serve
I work with families all across Ontario by phone and video. Distance is not a barrier, and the teaching is the same wherever in the province you live.
If you are near Ottawa or Carleton Place, we may also be able to meet in person. That local option is a nice extra, and it is never a requirement.
I am licensed in Ontario only. This page, and my work as an advisor, are built for Ontario families.
How I get paid
Let us talk about money openly, because trust starts there. Our conversations are free. Nobody receives an invoice from me, and there is no obligation to buy anything. If a family later chooses to put a product in place, the company providing the product pays me for my work. That model keeps the teaching open to every family, whether or not they ever become a client.
Book a conversation
If you are ready to talk, you can book a conversation at a time that suits you. If you would rather keep learning first, the Disability Finance hub is the best place to keep reading.
Common questions about finding an RDSP advisor in Ontario
Where do I find an RDSP advisor in Ontario?
You can find one right here. I am Sean Leduc, a licensed financial professional in Ontario whose practice focuses on the RDSP and disability finance. We can talk by phone or video anywhere in Ontario. You can also meet me in person near Ottawa and Carleton Place.
What does an RDSP advisor do?
An RDSP advisor explains how the plan works in plain English. I help you check the Disability Tax Credit, open the plan with the right holder, set contributions, claim grants and bonds, and use catch up room for missed years. I also review the plan as life changes.
How much does an RDSP advisor cost?
Conversations with me are free. You will never receive an invoice from me for our talks or for the teaching I do. If you later choose to put a product in place, the company providing that product pays me. You are never under any obligation to buy anything.
Do I need the Disability Tax Credit before I talk to an advisor?
No. You do not need the Disability Tax Credit in place before we talk. The credit unlocks the RDSP, so checking it is one of our first steps together. I can explain how the credit works, what the CRA looks for, and what to do next in plain English.
Can an RDSP advisor help if I was denied the DTC?
Yes. A denial is not always the end of the road. I can help you understand what a denial letter usually means, what has changed for many families, and what options may still be open to you. We will look at your situation together and talk through honest next steps.
Still deciding? You are welcome to book a conversation and bring every question you have. There is no pressure to decide anything on that first call.
Helpful places to start
- The Disability Finance hub explains how the RDSP works from the ground up.
- The RDSP checker shows your readiness, grants, and bonds in a few questions.
- The DTC checker walks through Disability Tax Credit eligibility the way the CRA looks at it.
- The RDSP calculator shows how contributions and government money can grow together.
- The Ottawa page covers meeting in person in the Ottawa and Carleton Place area.
- The booking page shows my current availability.
Start with a conversation
You don't have to figure this out alone. I'm here to help you through every step.