RRSP & RRIF
Article XVIII deferral is automatic since 2014 — but Form 8938 reporting still applies. We file the disclosure without electing.
Convention 1980 · IRS x CRASnowbird, dual citizen, or just paying tax in both places?
Snowbird, dual citizen, or just paying tax in both places?
We thread the 1040 needle so the CRA refund doesn't double-tax.
Canada-US Convention 1980 (and the five subsequent protocols) is the most-amended US treaty in force. RRSPs no longer need Form 8891 — but TFSAs are still a trap. We handle both.
No payment until you e-file · Free PFIC scan · IRS-compliant Forms 8621 / 8938 / FBAR / 1116 / 8833
What we handle for Canada residents
The three things that bite Canada-based US citizens.
TFSA pitfall
Treated as a foreign grantor trust by the IRS — Form 3520 / 3520-A. We flag this before you contribute, and file when you have.
Article XXIV credit
Federal + provincial tax (Ontario, BC, Quebec abattement) all roll into Form 1116. Quebec residents get the abatement reconciled separately.
Other treaty desks
Same workflow, different bilateral convention.
Atamatax · run your Canada return
Free draft. Pay only to e-file.
Scan your brokerage, see your PFIC count, review the forms we'd file with the right Canada treaty positions attached. You only pay when (and if) you submit.
What you walk out with
- · Form 1040 + schedules B, D, 1, 2, 3
- · One Form 8621 per PFIC (up to 25 per return)
- · Form 8938 (FATCA) when thresholds hit
- · FinCEN 114 (FBAR) auto-generated and filed
- · Form 1116 with Canada tax credit allocated
- · Form 8833 when you take a treaty position