The agent Amin, who reached out to me regarding the offer was great, he was persistent and patient during the calls. Brahim Titafi is a great adviser, he gave great advise and also paid attention to... See more
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Review summary
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"Ruman Manchanda" our consulat from Embark explained and guided from beginning to end in the process of applying RESP for our kids. Her knowledge helped us a lot through the process. I would definitel... See more
Company replied
I don’t typically call, but Jenina was absolutely amazing. She was attentive, patient, and truly listened to everything I had to say. She addressed each of my requests one by one and ensured they wer... See more
Company replied
Great first experience thanks to Brahim Just got started with Embark today, and I have to say — Brahim made the process way easier than I expected. Super friendly, clear, and genuinely cared about... See more
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Company details
- #1 of 1 best companies in Financial Planner
Written by the company
Embark is Canada’s education savings and planning company. We aim to empower families and students, giving them the tools, technology and advice they need to navigate their post-secondary journey and build a registered education savings plan that's right for them. With over $6.4 billion in assets under management, the company manages over 600,000 RESPs for Canadians nationwide and is expected to help approximately 116,000 students through post-secondary school this year.
Contact info
50 Burnhamthorpe Road West, Suite 1000, L5B 4A5, Mississauga, Canada
- 1-800-363-7377
- contact@embark.ca
- embark.ca
3.9
Great
522 reviews
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Reply from Embark
Hello Urszula Plata, thank you for your feedback. Have a wonderful day.
Do not use this company
Customer service is a joke. 48hrs to respond to any inquiries!!! Performance of the investment is beyond poor especially in a time where the market was strong and returns were high. They make it as difficult as legally possible to withdraw money. Do not use Embark! You will thank me later.
March 10, 2026
Unprompted review
Reply from Embark
Hello John Carpenter, Thank you for expressing your concerns. Embark Student Corp takes customer satisfaction seriously and we are glad to hear from you.
We apologize for any extended delays in responding to inquiries. We are experiencing higher than normal volumes because it's the tax season and many customers looking into their tax receipts.
Withdrawing the funds for school purposes is simple and straight forward, and requires an activated online account. Withdrawing funds for Non Educational purposes requires a paper form and in some cases dual signatures. Depending on where you fall in to the categories then you may have to do a couple of extra steps.
If you have had your plans with us since the 2000s, then they have gone through the at least 2-3 Subscriber votes between 2014, and 2023 would which have changed the investment strategies over time. Regardless of whether it was Heritage or Knowledge First Financial, then you would have had a group plan, which would have been in a fixed asset mix for a number of years and not growing with the beneficiary as our current plans that are on the Glide Path investment strategy.
The estimated funds that you were told at the time of purchase was based on past performance and was not a guarantee of future results.
All RESPs are affected by the financial market, thus any income will fluctuate over time. Embark Student Corp has low-medium risk portfolio investment with the Glidepath feature to maximize the return on the children's RESP.
Older plans that are just maturing or have matured would be at the graduation stage of the investment which means it would be heavily invested in bonds. Younger plans would be at the earlier stage of the investments which means most of the funds would be in equities which would allow the customer to save more for their child.
We understand that you are frustrated with the outcome of the investment. However, since the projection was at a point in time and assumed many factors which were beyond our control and contained hypothetical data, as well as was based on a number of assumptions that could not be predicted, then the information provided on the Illustration could not be used to predict future outcomes.
The waiting time to talk to someone was long
The waiting time to talk to someone was extremely long
March 9, 2026
Reply from Embark
Hello Nancy Y Lacelle, thank you for your feedback. Our apologies for the experience that you have been having with our company. We have been experiencing longer than usual wait times due to the tax season. Thank you for your patience and understanding.
Excellent Service
I don’t typically call, but Jenina was absolutely amazing. She was attentive, patient, and truly listened to everything I had to say. She addressed each of my requests one by one and ensured they were fully resolved.
She went above and beyond; especially after I had been waiting for such a long period of time. Her level of care and professionalism made a real difference. I would gladly call back again knowing she would be the one assisting me.
February 23, 2026
Reply from Embark
Hello Richard, thank you for your positive feedback. We’re so glad to hear that Jenina was able to assist you and provide the support you needed. We truly appreciate you taking the time to share your experience and look forward to assisting you again.
Great experience!
February 20, 2026
Reply from Embark
Hello Chris, Thank you for your positive feedback. We are happy to hear you had a great experience.
The person was knowledgable helped me…
The person was knowledgable helped me with what I had to get done great experience
February 18, 2026
Reply from Embark
Hello Larry Paul Simmons, thank you for your feedback. It is truly appreciated, and we are so glad to hear that you had such a positive experience.
I called and waiting for over an hour…
I called and waiting for over an hour and the call disconnected. This my 3 rd call. Not helpful at all
February 12, 2026
Unprompted review
Reply from Embark
Hello HananeMTL, thank you for you feedback. We have been experiencing a higher than normal call volume for the past few weeks due to the commencement of Winter semesters. If you need assistance, you can also reach out to us through Chat or Email, and we'll be happy to help.
Maybe a scam
They won't give you any bonus they claim to sign up, they won't return emails, phone back, and won't allow a return of contributions, stay far away from this company!
Their reply under this is a flat out lie. They made no attempt to contact until I made this post they did send me a form now to get contributions back, if it's successful I'll change review from maybe a scam to just a really terrible company also it wasn't a refer a friend bonus it's a sign up bonus. Don't use this company!
January 29, 2026
Unprompted review
Reply from Embark
Hello Daniel Jessome, we understand your frustration. According to the Terms and Conditions of the Refer A Friend Bonus, The referred person has to open an plan with Embark Student Corp in order for you (the referrer) to get the bonus of $200. If the person did not open a plan with Embark Student Corp, then the bonus would not be paid to the referrer.
Net contributions are returned to customer once we receive a signed letter requesting to close the plan or we received a signed non post secondary form.
Attempts were made to reach out to you, however, we were not successful. However, we will share your feedback with the relevant teams to review our polices and procedures.
Thievery
I received a notice to "Claim your RESP funds today!" I received it in December. The company claims they sent it in July of the previous year. There was no date on the notice nor was there a post mark indicating the date of mailing. The company denied my claim stating it had been over 90 days from when the notice was sent when in fact I received it in December, less than 30 days ago.
I feel ripped off, therefore; I declare Embark a scam, taking parent's money and keeping it.
I will widely report this.
January 28, 2026
Unprompted review
Reply from Embark
Hello,
We’re sorry to hear about your experience and understand your frustration. We value your feedback, and after reviewing your complaint, we will be issuing the funds. Thank you for bringing this to our attention.
I'm writing to warn others about the…
I'm writing to warn others about the nightmare I've experienced with Embark. I opened an RESP for my autistic son when he was 3 months old (2018), but when I realized it wasn't suitable for his needs. I requested a transfer to an RDSP account, but Embarks lack of RDSP privileges wasn't disclosed. I've been trying to transfer the funds to Scotia Bank's RDSP for 6-8 months, with ZERO progress. Despite multiple follow-ups, they've ignored my requests and failed to transfer the funds.
Embark's customer service is abysmal, and their inaction is putting my child's future at risk. If you value your child's financial security, STAY AWAY FROM EMBARK.
1/5 stars - I would not recommended to anyone ever.
January 22, 2026
Unprompted review
Reply from Embark
Hello Jamcy James,
Thank you for contacting Embark Student Corp. We take customer satisfaction seriously and appreciate you bringing this matter to our attention.
We apologize for the frustration you have experienced and value your feedback, which helps us identify issues and improve our services.
Please note that Embark Student Corp facilitates RESP-to-RESP transfers only. As a regulated organization, we require corrected and complete forms before proceeding. Unfortunately, we are unable to process the RDSP transfer until the required documentation is received. Once the completed forms are provided, we will be pleased to assist with your transfer.
Thank you for your understanding.
Sincerely,
Embark Student Corp
The Impact and advantage of helping children's education through the government grant.
The professionalism of Stella and how she was able to explain with so much dexterity.
January 19, 2026
Unprompted review
Reply from Embark
Hello Lateef Ibrahim, Thank you so much for your feedback! It is truly appreciated, and we are so glad to hear that you had such a positive experience with Stella.
Reply from Embark
Bonjour Gervais, merci beaucoup pour votre retour positif.
Reply from Embark
Hello Masuma, thank you for your feedback ! It is really appreciated.
Good Service
January 16, 2026
Reply from Embark
Hello Qi, thank you for your positive feedback ! We are glad to know that our service was good.
Your website is terrible
Your website is terrible, and your login is never possible.
For more than a month trying to login into my account.
Everything about Embark is terrible.
I will transfer my account to another service provider
January 4, 2026
Unprompted review
Reply from Embark
Hello Mr. Matthew Isesele, we are sorry to hear that you have not had exceptional experience with our company. Many of our customers find our online website experience pleasant. However, if you are having difficulty navigating our website, then please contact our Customer Service for more guidance.
Worst company ever
Worst company ever. Took over for another company and now I can’t access absolutely anything despite NUMEROUS attempts and they continue to take money out of my account.
January 11, 2026
Unprompted review
Reply from Embark
Hello Jenika Bradley, We would love to assist you with any inquiries on your plan(s). Someone will be reaching out to you today to resolve the issue.
Great service
I rest assured that my investment in my child's future is taken care of by this great service.
January 10, 2026
Unprompted review
Reply from Embark
Hello Dave, thank you for your review and trust. We’re so glad to hear you feel confident that your child’s future is in good hands with us.
Quick to navigate
Quick to navigate. Ease of finding your answers. Helpful and knowledgeable agent
January 7, 2026
Reply from Embark
Hello Lacap/Allan, thank you for your feedback. We’re happy to hear you found the experience easy to navigate and that our agent was helpful and knowledgeable.
The personnel was very knowledgeable…
The personnel was very knowledgeable and help plan me with my questions.
January 7, 2026
Reply from Embark
Hello Francine, thank you for positive feedback. We’re glad our team could answer your questions and help you with your planning.
Quick and precise response
Quick and precise response, very knowledgable and helpful, all questions answered
January 7, 2026
Reply from Embark
Hello Dawn, thank you for your kind review! We’re glad to hear you received quick, clear, and helpful support with all your questions answered.
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