When you open your RESP with an advisor, we apply for government grants on your behalf. The Canada Education Savings Grant (CESG) is then paid directly into the RESP each month based on your contributions. If the child is eligible for the Canada Learning Bond (CLB), you get an initial payment when you open the RESP, then an annual one. The Québec education savings initiative (QESI) is also paid into the RESP each year based on your contributions.