Not every financial institution applies for the CLB and Additional Grants on your behalf. For example, here is an excerpt from the TD Canada Trust website:
Source: tdcanadatrust.com
Notice how the bank will apply for the Additional CESG and CLB on your behalf if you enrol your child into the GIC RESP, but not if you are enrolled in their Mutual Fund RESP? Having an RESP professional working on your behalf will ensure that you are receiving all your government entitlements.
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