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[Music] [Music] welcome to debt-free and 30 where every week we take 30 minutes and talk to industry experts about debt money and personal finance Im Doug hois today we are going to discuss our esps registered educational savings plans why in the world are we discussing investments on a show about debt two reasons first this is also a show about personal finance and if you have children or grandchildren re SPS are an important topic so to start the show Ive asked a financial advisor to explain all of the basics about our DSPs then in the second segment Ill bring on a debt expert to explain what happens to an RESP if you get into debt trouble so to start Im joined by a financial planner lets welcome him in who are you where do you work and what do you do Im Mike Davis and with my business partner Tom Moffatt we are financial planners with IPC Investment Corporation here in Brantford so who exactly is investment planning cancel who is IPC IPC is a Canadian wealth management compan