Last reviewed: September 15, 2026.
Source hierarchy
Claims are checked in this order: ESDC and CRA publications first, then Statistics Canada surveys, then Revenu Québec and provincial pages, then provider documents (promoter lists, fee schedules, withdrawal forms), then OSC investor-education material for investing concepts. A weaker source never overrules a stronger one.
Verify-live rule
Indexed dollar figures carry "verify live" pointers to the live source because rules, thresholds, and forms change. A figure tagged 2026-only is a snapshot, not a promise.
Unknowns stay labeled
Where evidence conflicts or a workflow needs direct confirmation, the page says unclear or unknown instead of guessing. Provider comparisons exclude unverified details by default rather than filling gaps with assumptions.
Neutrality charter
There are no rankings, scores, star ratings, paid placements, or endorsements. Providers appear because families ask about them, ordered by review state — never by payment. No provider can buy a recommendation, a ranking, or a more favourable conclusion. Grant and fee facts are shown; judgments are left to the reader with questions to ask.
Review cadence
Grant, withdrawal, and provincial figures are re-verified quarterly against live sources; cost snapshots against university pages; provider profiles on their review dates. Dates move only when a real review happens — never to look fresh.
Corrections
Report errors through the contact page with the page URL, the disputed sentence, and the official source that supports the change. Material corrections are logged below and reflected with a new reviewed date on the affected page.
- 2026-09-15 — Question pages: Removed the duplicated Tool/Provider next-step blocks that repeated the workbench card; thin pages without curated links now show same-category related questions instead of no links.
- 2026-09-15 — how-are-resp-withdrawals-taxed: Expanded from a two-sentence starter into a full answer (EAP-vs-contribution buckets, T4A, first-13-week caps, $29,459 documentation pointer, non-school exits) with steps, key details, example, and provider questions.
- 2026-09-14 — BMO InvestorLine provider note: Expiry-tagged the $29,459 EAP figure as a 2026 form figure with a verify-live pointer, without altering the reviewed meaning.
- 2026-09-14 — QESI amounts: Replaced 'up to $50 a year' with both additional-QESI income tiers ($25/$50 on the first $500) plus a verify-live pointer, after confirming Revenu Québec publishes no tier table.
- 2026-09-14 — OSAP answers: Scoped absolute 'does not reduce OSAP' claims to cited 2025/2026-27 OSAP materials with a verify-live pointer.
- 2026-09-14 — Withdrawal caps wording: Tightened part-time EAP wording to RC4092's '13-week period ending at the time of payment' after a live re-check of CRA Bulletin 1R3.
Related policies
Read the about page, disclaimer, privacy policy, and source library for identity, limits, data handling, and source tracking.