Moira Rose Váně — a full-time lawyer and Qualified Associate Financial Planner® who specializes in helping Canadian families save for their kids’ education through RESPs.

In this conversation, Dave and Moira take a deep dive into everything you need to know about RESPs — from how they work to how to invest inside them to the often-overlooked pitfalls like high fees and estate planning risks when grandparents are involved. They also break down strategies for maximizing government grants, optimizing withdrawals and why family RESPs can be such a powerful tool. Along the way, Moira shares her perspective on passive investing, her unique career path as both a lawyer and financial planner and the financial planning challenges that disproportionately impact women.

Whether you’re a parent, grandparent or planning to have kids in the future, this episode is packed with clear, practical advice to help you make the most of RESPs and avoid costly mistakes.