A primary goal with an RESP is to grab as much government grant money as possible and shelter investment gains, only to withdraw those funds later when your children's income is low and their tuition bills are high. Photo by Getty Images/iStockphoto

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I’m not looking for pity here, and I won’t get it, but I have too much money in my family’s registered education savings plan.

If that sounds like the kind of problem most parents would love to have, I agree. But when it comes to RESPs , having too much can create its own set of planning headaches, particularly if your kids start earning real income while they’re stil

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