From RRSPto departure tax:one sourced review,under your name.

RRSP and RRIF, TFSA, FHSA, LIRA, LIF, RESP and RDSP are set per account, each taxed at its own treatment. US-listed ETFs held directly in an RRSP, RRIF, LIRA or LIF are exempt from US withholding under the Canada–US treaty; in a TFSA, FHSA, RESP or RDSP the 15% is withheld and cannot be recovered, a reading of the treaty’s wording that is labelled as such; in a non-registered account it can be credited. A Canadian-listed ETF that holds US ETFs loses the tax inside the fund wherever it is held, worked out from the issuer’s holdings file for 77 Canadian-listed funds.

From the confirmed transactions: every trade at its own date’s exchange rate, averaged across the client’s non-registered accounts. Return of capital and reinvested distributions are applied for 71 Canadian ETFs from their issuers’ tax breakdowns (2019 to 2025), and the 30-day superficial-loss rule counts the client’s registered plans and a household partner’s accounts. For a client who arrived in Canada, you enter each holding’s value on arrival. A fund or holding without the history it needs is named, never guessed.

Interactive Brokers Flex exports are read directly, and an IBKR account can also be synced daily. Questrade and Wealthsimple statements go through the extraction model. Either way every position and transaction is shown for review, and nothing reaches the client’s holdings until you confirm it. A client can send statements through a secure upload link without opening an account.

The deemed gain on the taxable accounts at today’s values, holding by holding, half of it taxable, with the forms that follow: T1243, T1161 when the property is worth more than CAD 25,000, and the optional T1244 election to defer the tax. Registered plans and US retirement accounts are left out. After the move, the Part XIII withholding on dividends and RRSP or RRIF payments is read from the treaty with the new country. The tax itself is not computed: it depends on the client’s marginal rate and province.

Each holding’s cost and gain in CAD and in USD, each under its own country’s rule, with a gain in one and a loss in the other flagged; Canadian funds screened as possible PFICs; FBAR and Form 8938 thresholds; US estate exposure; and an IRA, 401(k) or Roth IRA brought to Canada, with the treaty election for a Roth and its deadline. US returns are not prepared and the PFIC tax itself is not computed.

The Founding Adviser plan comes with a 30-day trial and no card: open a workspace yourself, and pay 99 USD a month when the trial ends. That price is open to the first 25 firms and held for their first 12 monthly payments, or for the first year on annual billing at 999 USD. Advisor, Practice and White Label have no trial and start with the first payment. Or tell us about your firm using the form below and we reply personally within two working days to help set it up.

Add active clients in packs of 25 for $29 a month each, on the Founding Adviser, Advisor and Practice plans. Add them from Settings, Plan and usage, once your plan is active: each pack is its own small subscription at exactly $29 a month ($290 a year on annual billing), so a second pack costs the same as the first. Cancel a pack at any time, and cancelling your plan stops its packs too; clients above the new limit stay readable, but no further client can be added or restored until you are within it. Packs stop counting if the subscription lapses. Households do not use extra places: each person is one client, and trusts, SMSFs and joint accounts are accounts of a member.