How long does a T1 adjustment take?

The CRA's current service targets are generally two weeks for routine online requests and eight weeks for mailed requests. Complex adjustments can take much longer, so we continue tracking the file after submission.

Can I claim credits I missed 5 years ago?

Often, yes. The CRA generally considers adjustment requests for the previous 10 calendar years. The claim still needs to be eligible and supported by records.

What if the CRA denied my objection?

A denied objection may still leave an appeal route to the Tax Court of Canada, subject to strict deadlines. We can review the decision and help identify the next appropriate step.

How long does tax preparation take?

Most personal returns are completed within 3 to 5 business days after we have every required document. Peak season can take longer, so we confirm the expected timeline at intake.

What if I'm missing a T4 slip?

Check your CRA account and contact the employer first. If the slip is still unavailable, the return may need a reasonable estimate supported by pay records and a later adjustment if the official slip differs. Avoid filing an unsupported amount.

Can you file for previous years?

Yes. We can prepare prior-year returns, subject to the filing methods and records available for each year. If a balance is owing, moving now can limit further penalties and interest.

What triggers a CRA audit?

There is no single public trigger list. Third-party mismatches, unusual changes, unsupported deductions, industry risk, and random review can all matter. Accurate reporting and strong records are the most reliable preparation.

How far back can the CRA reassess?

For many individuals and Canadian-controlled private corporations, the normal reassessment period is three years from the original notice. Some corporations have four years, and misrepresentation attributable to neglect, carelessness, wilful default, or fraud can open earlier years.

What are instalment payment thresholds?

You must pay tax by instalments if your net tax owing exceeds $3,000 in the current year and in either of the two preceding years. Instalments are due quarterly: March 15, June 15, September 15, and December 15.

What We Do

Tax services, handled properly.

Who We Help

Tax support for every stage of life.

Use the tuition credit properly

Your T2202 reports eligible tuition, usually in box 26. We make sure the current-year amount is claimed, carried forward, or transferred under the actual rules.

Transfer only what the rules allow

Unused current-year tuition can be transferred to an eligible spouse, parent, or grandparent, up to the annual limit. Carried-forward amounts stay with the student.

Keep eligible scholarships tax-free

Many scholarships tied to full-time enrolment in a qualifying program can be exempt. Eligibility depends on the program and enrolment facts, not the word scholarship alone.

Keep income-tested benefits moving

Filing on time helps the CRA calculate income-tested benefits such as the Guaranteed Income Supplement. No return can mean interrupted payments.

Use eligible pension amounts well

Eligible pension income may support a pension income amount of up to $2,000, and a T1032 election can split qualifying pension income between spouses.

Report HBP and LLP repayments correctly

Amounts designated as Home Buyers' Plan or Lifelong Learning Plan repayments go on Schedule 7. They are not deducted again on line 20800.

A 9-series SIN is not a residency test

A SIN starting with 9 is temporary and has an expiry date. Tax residency depends on residential ties and the full facts, not the first digit of a SIN.

Know the first-year T1135 exception

An individual who first becomes resident in Canada is generally exempt from filing Form T1135 for that first resident year. Foreign income reporting can still apply.

Use the 90% rule with the right facts

Newcomer non-refundable credits may depend on whether at least 90% of net world income for the period came from Canadian sources. The calculation needs the whole income picture.

Make interest traceable

Interest on money borrowed to buy or improve a rental property may be deductible when the use of the funds is clear and the records support it.

Do not let CCA create the wrong loss

Capital cost allowance on rental assets cannot create or increase a rental loss. Timing the claim deserves more thought than checking a box.

Separate rental income from business income

Ordinary rental income is generally not subject to CPP contributions. Extensive services can change the character of the activity, so the facts matter.

Give Canadian dividends the right treatment

Eligible and non-eligible Canadian dividends use a gross-up and dividend tax credit system. The slip and corporation type decide the treatment.

Put royalties on the right line

Royalties from an invention, trademark, patent, or copyright may be reported differently depending on whether they arise from employment, business, or property.

Claim carrying charges that qualify

Certain investment counsel, management, and accounting fees may qualify on line 22100. Trading commissions and fees inside registered plans generally do not.

Use the tuition credit properly

Your T2202 reports eligible tuition, usually in box 26. We make sure the current-year amount is claimed, carried forward, or transferred under the actual rules.

Transfer only what the rules allow

Unused current-year tuition can be transferred to an eligible spouse, parent, or grandparent, up to the annual limit. Carried-forward amounts stay with the student.

Keep eligible scholarships tax-free

Many scholarships tied to full-time enrolment in a qualifying program can be exempt. Eligibility depends on the program and enrolment facts, not the word scholarship alone.

Keep income-tested benefits moving

Filing on time helps the CRA calculate income-tested benefits such as the Guaranteed Income Supplement. No return can mean interrupted payments.

Use eligible pension amounts well

Eligible pension income may support a pension income amount of up to $2,000, and a T1032 election can split qualifying pension income between spouses.

Report HBP and LLP repayments correctly

Amounts designated as Home Buyers' Plan or Lifelong Learning Plan repayments go on Schedule 7. They are not deducted again on line 20800.

A 9-series SIN is not a residency test

A SIN starting with 9 is temporary and has an expiry date. Tax residency depends on residential ties and the full facts, not the first digit of a SIN.

Know the first-year T1135 exception

An individual who first becomes resident in Canada is generally exempt from filing Form T1135 for that first resident year. Foreign income reporting can still apply.

Use the 90% rule with the right facts

Newcomer non-refundable credits may depend on whether at least 90% of net world income for the period came from Canadian sources. The calculation needs the whole income picture.

Make interest traceable

Interest on money borrowed to buy or improve a rental property may be deductible when the use of the funds is clear and the records support it.

Do not let CCA create the wrong loss

Capital cost allowance on rental assets cannot create or increase a rental loss. Timing the claim deserves more thought than checking a box.

Separate rental income from business income

Ordinary rental income is generally not subject to CPP contributions. Extensive services can change the character of the activity, so the facts matter.

Give Canadian dividends the right treatment

Eligible and non-eligible Canadian dividends use a gross-up and dividend tax credit system. The slip and corporation type decide the treatment.

Put royalties on the right line

Royalties from an invention, trademark, patent, or copyright may be reported differently depending on whether they arise from employment, business, or property.

Claim carrying charges that qualify

Certain investment counsel, management, and accounting fees may qualify on line 22100. Trading commissions and fees inside registered plans generally do not.

Core Services

Careful work from intake to filing.

Tax Situations

Complex situations, clear next steps

Back taxes, adjustments, CRA letters, and unusual facts require careful review. We identify the issue, choose the appropriate route, and keep the supporting evidence organized.

Get Started

Our Process

Intake

We read the CRA correspondence, prior returns, and facts before anyone starts guessing.

Review

We trace missed credits, errors, and reassessment options through the filing history.

Preparation

We prepare the adjustment, amended return, or objection the facts actually support.

Quality Check

A second review challenges every change before it leaves our desk.

Filing

We use ReFILE, T1-ADJ, or the objection process that fits the case.

Follow-up

We track CRA processing and help answer follow-up requests without losing the thread.

Intake

We read the CRA correspondence, prior returns, and facts before anyone starts guessing.

Review

We trace missed credits, errors, and reassessment options through the filing history.

Preparation

We prepare the adjustment, amended return, or objection the facts actually support.

Quality Check

A second review challenges every change before it leaves our desk.

Filing

We use ReFILE, T1-ADJ, or the objection process that fits the case.

Follow-up

We track CRA processing and help answer follow-up requests without losing the thread.

What to Bring

CRA reassessment notice or correspondence

Prior-year tax returns for the amendment period

Supporting documents for missed credits

T1-ADJ or ReFILE confirmation (if previously attempted)

Notice of Assessment (NOA) for relevant years

Common Questions

Get Started

Tax Preparation

More than data entry

A return should reflect your life, not just pass software checks. We review the details, question assumptions, and claim every amount the facts support, with clear explanations throughout.

Get Started

Our Process

Intake

Send the slips, receipts, and prior-year NOA. We will tell you exactly what is missing.

Review

We check completeness and look for every deduction and credit the facts support.

Preparation

We build the return around your complete financial situation.

Quality Check

A second review challenges the numbers before filing.

Filing

We transmit through CRA EFILE and confirm receipt.

Follow-up

If the CRA asks a question, we help keep the answer clear and the records ready.

Intake

Send the slips, receipts, and prior-year NOA. We will tell you exactly what is missing.

Review

We check completeness and look for every deduction and credit the facts support.

Preparation

We build the return around your complete financial situation.

Quality Check

A second review challenges the numbers before filing.

Filing

We transmit through CRA EFILE and confirm receipt.

Follow-up

If the CRA asks a question, we help keep the answer clear and the records ready.

What to Bring

T4 employment income slips

T5 investment income statements

RRSP contribution receipts

Prior-year Notice of Assessment (NOA)

Medical expense receipts

Childcare expense receipts (T778)

Home office expense log (if applicable)

Charitable donation receipts

Common Questions

Get Started

Tax Compliance

Clean records. Calm deadlines.

For HST, T2 support, instalments, and CRA correspondence, we keep the rules clear and the records defensible. Careful compliance work means fewer surprises later.

Get Started

Our Process

Intake

We collect the statements, HST filings, instalment records, and CRA correspondence.

Review

We review for compliance gaps, missed instalments, and filing errors before they get expensive.

Preparation

We prepare the HST return, T2 support, or instalment calculation the file requires.

Quality Check

Every filing is checked against the current requirements before submission.

Filing

We submit through the appropriate electronic channel and confirm receipt.

Follow-up

We help address reassessments and CRA questions with the records already organized.

Intake

We collect the statements, HST filings, instalment records, and CRA correspondence.

Review

We review for compliance gaps, missed instalments, and filing errors before they get expensive.

Preparation

We prepare the HST return, T2 support, or instalment calculation the file requires.

Quality Check

Every filing is checked against the current requirements before submission.

Filing

We submit through the appropriate electronic channel and confirm receipt.

Follow-up

We help address reassessments and CRA questions with the records already organized.

What to Bring

Prior-year tax returns (personal and/or corporate)

CRA correspondence or reassessment notices

Instalment payment records

Business income and expense statements

HST filing history and remittance records

Common Questions

Get Started

Tax services, handled properly.

Tax support for every stage of life.

Use the tuition credit properly

Transfer only what the rules allow

Keep eligible scholarships tax-free

Students

Seniors

Newcomers & International Students

Landlords

Investors

Use the tuition credit properly

Transfer only what the rules allow

Keep eligible scholarships tax-free

Careful work from intake to filing.

Tax Situations

Tax Preparation

Tax Compliance