Tax advice

• Canadian Dental Care Plan (CDCP)

  The Canadian Dental Care Plan (CDCP) is a federal program that helps eligible Canadian residents access dental care if they do not have private dental insurance and have an adjusted… Read more

• Is it worth stopping contributions to the RRQ after age 65?

  If you continue working after age 65, you may choose to either continue or stop contributing to the QPP, and this decision is irrevocable. Continuing contributions gives access to an… Read more

• When a Trust Return Is Required for a Deceased Person’s Estate ?

  When a person passes away, the estate effectively becomes a trust—either a testamentary trust created by a will or an intestate estate when there is no will. A T3 Trust… Read more

• T1135 Foreign Income Verification Statement

  Form T1135 (Foreign Income Verification Statement) must be filed in addition to your tax return if, at any time during the year, you owned specified foreign property with a total… Read more

• Disability Tax Credit

  In Quebec and federally, several credits and deductions support disabled persons and their caregivers. Eligibility depends on age (minor, adult, 70+), cohabitation, and family link. Key programs include the Disability… Read more

• Involuntary Separation

  In Québec (and under Canadian tax law), an involuntary separation occurs when spouses or common-law partners stop living together not because of a marital breakdown, but due to circumstances beyond… Read more

• Buying vs. Leasing a Vehicle

  When it comes to acquiring a vehicle, the decision to buy or lease is far from universal. The right choice depends both on the profession (for example, a construction worker… Read more

• At 60, how do you plan for retirement at 65?

  Turning 60 is a milestone: there are only five years left before the traditional retirement age of 65. This period is strategic—every decision made now will have a direct impact… Read more

• Is it better to remain self-employed or to incorporate?

  Remaining a sole proprietor is often optimal if you withdraw almost all of your income to cover your cost of living and do not need legal protection. Incorporating becomes attractive… Read more

• Home-Support Services Tax Credit for Seniors

  Here’s a clear summary of the Québec Home-Support Services Tax Credit for Seniors depending on the living situation. This credit reduces the cost of home-support services for people aged 70… Read more

• The GST and QST declaration for a self-employed worker

  Many self-employed workers in Quebec think they must file their GST and QST directly in their income tax return, but in reality these are two separate processes, even if they… Read more

• Instalment Payments

  An instalment payment is a prepayment of income tax. Instead of waiting until the end of the year to pay the entire tax balance, Revenu Québec (and the CRA federally)… Read more