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    • What is an RDSP?
    • Disability Savings
    • Claim RDSP Retroactively
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    • Do I Qualify?
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We can't wait to get you started!

Let's go through what will be required to open a Registered Disability Savings Plan with Weathera Inc.:

  1. Add your personal details

    Tell us a bit about yourself! Weathera Inc. uses Equifax to perform a soft credit check to verify your indentity. In the event this is unsuccessful, you will be required to upload a piece of government issued identification.

  2. Employment, finances, your investing experience & risk tolerance

    We are required to collect a bit of information regarding your employment, finances, and what type of experience you have investing. We also will go through a series of questions to help determine your risk tolerance so that we may help structure a portfolio for you.

  3. Connect your bank account

    National Bank requires you to provide your banking information to confirm your identity. There are 2 ways you can do this:

    1. Upload a Void Cheque (recommended) This is used to help confirm your identity, as well as allow you to connect an account to fund your RDSP. If you do not have a VOID cheque, check your online banking as most financial institutions allow you to download an image of a VOID cheque from within your account. Click here for further instructions.

    2. Connect by signing into your online banking Weathera Inc. uses Plaid - a secure 3rd party integration platform that allows you to connect your bank account. Note: You will not be able to fund your RDSP by using tihs option. Eventually if you wish to contribute to take advantage of grants from the government, you will need to upload a void cheque at that time.

  4. Regulatory required questions

    Regulators require we confirm some information regarding if you have any relation to insiders or if you are a politically exposed person.

How to get a VOID cheque through online banking

Every financial institution is different, however generally if you search on google for your bank name + void cheque, you should be able to find instructions on how to obtain a void cheque through your online banking.

The following is a list of the top 5 banks in Canada, and a link to show you how to obtain a void cheque.

1. Royal Bank of Canada (RBC)
https://www.rbcroyalbank.com/ways-to-bank/tutorials/general/view-print-void-cheque.html

2. Toronto-Dominion Bank (TD Bank)
https://td.intelliresponse.com/cbaw/index.jsp?requestType=NormalRequest&source=100&id=7705&question=How+do+I+get+and+provide+a+void+cheque

3. Bank of Nova Scotia (Scotiabank)
https://www.scotiabank.com/ca/en/personal/bank-your-way/digital-banking-guide/banking-basics/download-a-void-cheque.html

4. Bank of Montreal (BMO)
https://www.savvynewcanadians.com/bmo-sample-cheque/#:~:text=Sign%20in%20to%20your%20BMO,and%20download%20your%20void%20cheque

5. Canadian Imperial Bank of Commerce (CIBC)
https://www.cibc.com/en/personal-banking/ways-to-bank/how-to/void-cheque.html

Welcome Back!

We've noticed you didn't complete the sign up process last time. Would you like to restore the information you entered on your last visit?

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Account Type

Select account type you wish you open

The parent/caregiver claiming the Canada Child Benefit will be required to sign on your dependant's application. If you are not the parent/caregiver claiming the CCB, you can still open an RDSP for your dependant (you will be the account holder, your dependant will be the beneficary). However, you will need to provide an email address for the parent/caregiver claiming the CCB as well as some of their information so they can sign off on your dependant's application.

If the parent/caregiver of your dependant who is claiming the CCB is your common-law or spouse, we will ask you this information in Step 2.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

The Disability Tax Credit

The DTC is the gateway to many programs such as the working income tax benefit, child disability benefit, and RDSP to name a few.

You must be eligible to claim the Disability Tax Credit in order to open a Registered Disability Savings Plan (RDSP).

If you would like more information on eligibility requirements, please visit our Disability Tax Credit page.

Why we ask

If you are not eligible to claim the Disability Tax Credit, you would be unable to open a Registered Disability Savings Plan.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Let's get to know you.

Please complete the following information.

Error: A user profile associated with this email address already exists. Please log in to access your account. In the event you have forgotten your password, you may reset your password by clicking here.

Your password should be at least 8 characters or longer.

Let's get to know your dependant.

Please add information about the individual with a disability.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

We need a bit more information to get started...

Please provide your residential address, and if different, your mailing address.

Weathera Inc. is currently only a registered portfolio manager in the province of Ontario. We have applied to be registered in other provinces and are currently pending approval. Please check back soon!
  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

We need a bit more information to get started...

Please provide your birthdate, citizenship and social insurance number. This information is required on account opening forms.

Sorry! you have entered invalid date. Birthdate should be a valid date.
You must be 49 years of age or younger to be eligible to receive grants or bonds with an RDSP.

Why we ask

In order to be eligible to receive government grants and bonds you must be under the aoge of 49.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Identification

Please help us verify your identity & upload a piece of Government Issued Identification. As per FINTRAC requirements, we will also ask you to upload a selfie to confirm you are really you!

Accepted forms of government-issued identification:

  • Driver's license from any Canadian province/territory
  • Canadian passport
  • Canadian permanent residence card
  • Provincial photo-ID card
Tip: For us to accept your photo identification, it must meet the following requirements:

  • It cannot be expired
  • It must include your full legal name
  • It cannot be altered in any way (including stickers placed on the front or back)
  • It must be clearly legible, with no obscuring glare
  • All four corners of the document must be visible

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

We need a bit more information about your dependant...

We need to confirm your dependant's address, birthdate, citizenship, as well as their social insurance number.

Why we ask

In order to be eligible to receive government grants and bonds you must be under the aoge of 49.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Identification

Please help us verify your identity & upload a piece of Government Issued Identification. As per FINTRAC requirements, we will also ask you to upload a selfie to confirm you are really you!

Accepted forms of government-issued identification:

  • Driver's license from any Canadian province/territory
  • Canadian passport
  • Canadian permanent residence card
  • Provincial photo-ID card
Tip: For us to accept your photo identification, it must meet the following requirements:

  • It cannot be expired
  • It must include your full legal name
  • It cannot be altered in any way (including stickers placed on the front or back)
  • It must be clearly legible, with no obscuring glare
  • All four corners of the document must be visible

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Tell us a bit about your employment & finances

We need some details about your time horizon, income, and liquidity.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Tell us a bit about your employment & finances

We are required to gather some basic information regarding your employment and finances. We always keep this information private.

$
$
$
$
$
$

If you do not feel this number accurately represents your net worth, please make adjustments to the previous fields.

$

Why we ask

The Canadian Disability Savings Grant as well as the Canadian Disability Savings Bond are based on your family net income.

Why we ask

Some basic information regarding employment is required when opening an account for you. This information is kept private.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Tell us about your risk tolerance

We need to determine your risk tolerance so we can customize a portfolio based on your acceptance of risk for your RDSP account.

  • Very Conservative
  • Conservative
  • Moderate
  • Aggressive
Determine my risk tolerance
  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Your Investment Portfolio

In order to set you up for success in the future and ensure your portolio aligns with your risk tolerance and investment needs, we need to understand your tolerance for risk. Based on your selection on the previous menu, we rate your risk tolerance at:

5 out of 10

Note: Given the fact that Grants and Bonds cannot be withdrawn for a period of 10 years, we have selected long term savings as the appropriate option. Should you feel otherwise, please make your selection.

Risk Tolerance

Your risk tolerance is calculated based on a number of factors such as the investment timeframe of your RDSP, the type of investor you are as well as your investment goals.

How is risk tolerance calculated?

Your investor type

We consider your appetite for risk when recommending a risk level. This is determined by scoring your answers to our risk questionnaire. This is not the only factor when determining a recommended portfolio. We take into consideration many different factors to ensure you are set up for success.

Your investment goals

Your investment goal makes a significant difference in how much risk you should take. If you are putting money aside for a rainy day or emergency, we recommend a low-risk level. If you are saving money for retirement we are more likely to recommend a higher risk level, also factoring in timeframes.

Your investment timeframe

With an RDSP, Grants + Bonds cannot be withdrawn until 10 years after the last contribution has been made. This is due to the 10-year repayment rule. The Canadian Disability Savings Grant as well as the Canadian Disability Savings bond cannot be withdrawn for a period of 10 years after the last contribution has been made to your RDSP. Any withdrawal of your principal amount will result in the government clawing back grants and/or bonds that have been given. Your RDSP account is meant to support you later in life - and it is not recommended to make any withdrawal's until you are eligible to do so without penalty.

Assets within your RDSP

If your RDSP makes up a significant portion of your net worth or is large relative to your income, you are more likely to potentially make emotional decisions during market volatility. For this reason we adjust your recommended risk level lower if your RDSP is large with respect to your other assets.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

The following questions have been defaulted to No. In the event the situation applies to you, please change the answer to Yes.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

The following questions have been defaulted to No. In the event the situation applies to you, please change the answer to Yes.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

The following questions have been defaulted to No. In the event the situation applies to you, please change the answer to Yes.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

The following questions have been defaulted to No. In the event the situation applies to you, please change the answer to Yes.




  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

The following questions have been defaulted to No. In the event the situation applies to you, please change the answer to Yes.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Required Regulatory Information

Regulators require the following questions be asked. Note that for the majority of the population, the answers to these questions will be no. However, we are required to ask them anyway.

The following questions have been defaulted to No. In the event the situation applies to you, please change the answer to Yes.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Connect your bank account

National Bank Independent Network requires you to connect one of your bank accounts to confirm your identity. Furthermore - if you wish to transfer funds into your RDSP, you would need to have an account connected in order to do so.

We are able to offer you 2 methods in order to connect your bank account:

1) Upload a VOID Cheque


If you ever wish to contribute into your RDSP, you would need to upload a void cheque so that you would be able to transfer funds at your discretion.

2) Sign into your bank account


Don't have a void cheque? No problem. Weathera Inc. uses integration software that allows you to easily connect your bank account.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Please upload a VOID Cheque

National Bank Independent Network requires a VOID cheque be provided as a transfer source. This will be used to help verify your identity, as well as allow you to schedule any transfers you wish to make into your RDSP.

Don't have a void cheque? Get one through your online banking. For more information on how to obtain a void cheque from your financial institution, click here.

How to get a VOID cheque through online banking

Every financial institution is different, however generally if you search on google for your bank name + void cheque, you should be able to find instructions on how to obtain a void cheque through your online banking.

The following is a list of the top 5 banks in Canada, and a link to show you how to obtain a void cheque.

1. Royal Bank of Canada (RBC)
https://www.rbcroyalbank.com/ways-to-bank/tutorials/general/view-print-void-cheque.html

2. Toronto-Dominion Bank (TD Bank)
https://td.intelliresponse.com/cbaw/index.jsp?requestType=NormalRequest&source=100&id=7705&question=How+do+I+get+and+provide+a+void+cheque

3. Bank of Nova Scotia (Scotiabank)
https://www.scotiabank.com/ca/en/personal/bank-your-way/digital-banking-guide/banking-basics/download-a-void-cheque.html

4. Bank of Montreal (BMO)
https://www.savvynewcanadians.com/bmo-sample-cheque/#:~:text=Sign%20in%20to%20your%20BMO,and%20download%20your%20void%20cheque

5. Canadian Imperial Bank of Commerce (CIBC)
https://www.cibc.com/en/personal-banking/ways-to-bank/how-to/void-cheque.html

OR
  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

VOID Cheque Account Information

 

Weathera Inc. uses OCR technology to help determine your financial institution's information. Please review and confirm the information provided is correct.

Need help determining where your branch number, institution number or account number is on your void cheque? Click here for more information!

Cheque Information

Your branch number, institution number, and account number can be located at the bottom of your cheque.

Where is my branch / transit number?

Branch / transit numbers are always 5 digits long.

Where is my institution number?

Institution numbers are always 3 digits long, and will be located to the right of your branch/transit number.

Where is my account number?

Depending on your financial institution, your bank account number may be up to 12 digits long (typically is 7 digits with most banks), and would be located to the right of your institution number on your cheque.

Examples:

While every financial institution is different, please see the following examples of the major 5 banks in Canada. Should you require assistance locating this, don't hesitate to contact us.

Royal Bank of Canada

Toronto-Dominion Bank (TD Bank)

Bank of Nova Scotia (Scotiabank)

Bank of Montreal (BMO)

Canadian Imperial Bank of Commerce (CIBC)

Please note: Branch / transit numbers are always 5 digits long.

Please note: Institution numbers are always 3 digits long, and will be located to the right of your branch/transit number.

Please note: Depending on your financial institution, your bank account number may be up to 12 digits long (typically is 7 digits with most banks), and would be located to the right of your institution number on your cheque.

  • 1Getting to know you.
  • 2Employment, marital status & finances.
  • 3Risk tolerance & investing experience.
  • 4Connect account & regulatory required questions.

Communication and Consent and Trusted Contact

Please wait while we prepare your documents to open your account. They will load and you will be prompted to electronically sign them.

Please review your information so your account at Weathera Inc. can be opened!

  • Portfolio Assets
  • Fees

Orthogonal's 'Conservative' RDSP will be invested into the following:

    Probable Variance Min. Max.
  • Cash
    		• 10% 100% 0% 100%
  • Fixed Income
    		•  50% 30% 20% 80%
  • Equity
    		•  40% 30% 10% 70%

Orthogonal's 'Balanced' RDSP will be invested into the following:

    Probable Variance Min. Max.
  • Cash
    		• 10% 100% 0% 100%
  • Fixed Income
    		•  30% 30% 20% 80%
  • Equity
    		•  60% 30% 10% 70%

Orthogonal's 'Growth' RDSP will be invested into the following:

    Probable Variance Min. Max.
  • Cash
    		• 10% 100% 0% 100%
  • Fixed Income
    		•  10% 30% 0% 40%
  • Equity
    		•  80% 30% 50% 100%

Projections

  • Management Fee: 1.7%
  • Custody Fees: 0.15% - Click here to view a detailed breakdown.
  • Trading Execution Cost: Click here to view a detailed breakdown.

Risk Tolerance

Your risk tolerance is calculated based on a number of factors such as the investment timeframe of your RDSP, the type of investor you are as well as your investment goals.

How is risk tolerance calculated?

Your investor type

We consider your appetite for risk when recommending a risk level. This is determined by scoring your answers to our risk questionnaire. This is not the only factor when determining a recommended portfolio. We take into consideration many different factors to ensure you are set up for success.

Your investment goals

Your investment goal makes a significant difference in how much risk you should take. If you are putting money aside for a rainy day or emergency, we recommend a low-risk level. If you are saving money for retirement we are more likely to recommend a higher risk level, also factoring in timeframes.

Your investment timeframe

With an RDSP, Grants + Bonds cannot be withdrawn until 10 years after the last contribution has been made. This is due to the 10-year repayment rule. The Canadian Disability Savings Grant as well as the Canadian Disability Savings bond cannot be withdrawn for a period of 10 years after the last contribution has been made to your RDSP. Any withdrawal of your principal amount will result in the government clawing back grants and/or bonds that have been given. Your RDSP account is meant to support you later in life - and it is not recommended to make any withdrawal's until you are eligible to do so without penalty.

Assets within your RDSP

If your RDSP makes up a significant portion of your net worth or is large relative to your income, you are more likely to potentially make emotional decisions during market volatility. For this reason we adjust your recommended risk level lower if your RDSP is large with respect to your other assets.

Please note: After clicking the submit button, your account opening documents will load for your electronic signature. Once you have signed your documents, they will be sent to an advising representative from Weathera Inc. to review and sign. Once these documents have been completed by both parties, you will receive a signed copy to the email address you have provided, and we will have your account opening forms submitted to National Bank Independent Network.

Error: User account associated with this email address already exists.

  • 1 Step 1
  • 4 Step 4
  • 5 Step 5
  • 6 Step 6
  • 6a Step 6a
  • 6b Step 6b
  • 7 Step 7

1) If you had to invest $100,000, which type of investment mix would you be most likely to select:

2) I prefer to invest my money in an investment that will never decline in value, even at the expense of higher returns.

3) How would you assess your investment knowledge?

4) What is your investing experience?

5) If your portfolio fell 20% over a 3 month period, what would you most likely do?

6) The reality of the market is that it goes up and down, at what level of short term loss do you begin to feel very uncomfortable?

Thank you

Thank you for answering these questions.
We will assess your risk tolerance based off of your answers.
You may close this window and continue.

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