Personal Tax

Accurate T1 returns for individuals and families, prepared to claim every deduction, credit and benefit you are entitled to.

How we help

• T1 income tax and benefit returns, including employment, self-employment (T2125) and pension income
• Family tax planning — pension income splitting, spousal RRSPs and coordinating claims between spouses
• Registered plans — RRSP, TFSA, FHSA (First Home Savings Account) and RESP
• Credits and benefits — Canada Child Benefit, Canada Groceries and Essentials Benefit (formerly the GST/HST credit), Ontario Trillium Benefit, medical, tuition and donation credits
• Students, newcomers and seniors; prior-year and late-filed returns
• Responding to CRA review letters and requests for information

How Canada taxes you depends on your residency status — not your immigration status. We determine it and manage the tax impact of moving to or from Canada.

How we help

• Residency analysis based on residential ties, the 183-day rule and tax treaty tie-breaker rules
• Arrival (first-year) returns, including the step-up in cost of property owned on immigration
• Departure returns — deemed disposition ("departure tax"), T1161 reporting and the security election
• Part-year, factual and deemed residents, and individuals with ties to more than one country

Canadian residents are taxed on worldwide income and must report foreign property and companies. Missed forms can carry significant penalties.

How we help

• T1135 Foreign Income Verification Statement when the cost of specified foreign property exceeds $100,000 at any time in the year
• T1134 information returns for foreign affiliates (generally a 10% or greater interest in a non-resident corporation)
• Reporting foreign interest, dividends, rental income and capital gains
• Foreign tax credits to avoid double taxation
• Transfers to and distributions from non-resident trusts (T1141 / T1142)
• Correcting past omissions through a voluntary disclosure

Reporting and planning for investment income and gains — from securities portfolios to residential and rental property.

How we help

• Capital gains and losses, adjusted cost base tracking and superficial loss rules
• Interest, eligible and non-eligible dividends, and mutual fund / ETF income
• Principal residence exemption and designation when you sell your home
• Rental properties — income and expenses, capital cost allowance and change-in-use rules
• Residential property flipping rule, assignment sales and new-housing HST rebates
• Planning for owners of multiple properties
• Alternative Minimum Tax (AMT) on large capital gains, donations and deductions

For individuals who live outside Canada but own Canadian real estate or earn Canadian-source income.

How we help

• Rental income — NR6 undertakings, Part XIII withholding and section 216 returns
• Selling Canadian property — section 116 clearance certificates (T2062) and the final return for the sale
• Underused Housing Tax (UHT) filings for 2022–2024
• Non-Resident Speculation Tax (NRST) and land transfer tax rebates