Investment & crypto tax filing across the GTA
Stop overpaying on gains — expert T5008 & crypto tax filing
Investors, crypto traders and high-net-worth individuals lose thousands annually by miscalculating ACB or misreporting income types. We unpack your trading data, calculate precise adjusted cost bases, and ensure a fully audit-ready, CRA-compliant return.
Who this is for
Traditional investor & day trader
You trade stocks, options, ETFs or bonds through platforms like Wealthsimple, Questrade or traditional banks, and need to accurately sort through T5008 slips and capital gains schedules.
Crypto, Web3 & NFT enthusiast
You buy, sell, stake or trade crypto on platforms like Coinbase, Kraken or decentralised exchanges. You need complex gains calculated without triggering automated CRA flags.
Foreign property & dividend earner
You hold foreign investments, including US stocks, valued over $100,000 CAD and must file Form T1135, or you receive foreign dividends and need to claim foreign tax credits.
What I do for you
Bulletproof ACB & cost tracking
We accurately calculate your Adjusted Cost Base using identical property rules for crypto and stocks. We track every buy, sell and token-to-token swap to eliminate phantom capital gains.
Capital gains vs income sorting
Did your trading constitute carrying on a business? We assess your trading frequency and intent to correctly classify your earnings as 50% taxable capital gains or 100% business income.
Advanced crypto data reconciliation
No matter how messy your CSV exports, API keys or ledger histories are from multiple exchanges, specialised software consolidates your transaction history into clean tax reporting formats.
Form T1135 & foreign reporting
If your offshore assets, foreign stocks or crypto held on foreign exchanges exceed $100k, we ensure flawless compliance with Form T1135 to protect you from severe daily penalties.
Dividend & interest optimisation
We maximise the Canadian Dividend Tax Credit for eligible domestic investments and leverage Foreign Tax Credits so you are never taxed twice on international gains.
CRA audit & review defence
The CRA is actively auditing crypto and high-volume investment accounts. Should they request a breakdown of your transactions, we handle communications and defend your filing directly.
What you need to bring
Traditional investment slips
- T5008 slips (Statement of Securities Transactions).
- T5 slips for interest and dividend income.
- Annual trading summaries and realised gain/loss reports from your brokerages.
Crypto & Web3 data
- Full transaction history CSV files, or read-only API access to your exchanges (Coinbase, Binance and the rest).
- Public wallet addresses for on-chain activity — DeFi staking, liquidity pools, NFTs.
Foreign asset information
- Maximum cost amount of all specified foreign properties held at any point during the tax year — required if total cost exceeds $100,000 CAD.
Prior year returns & carryforwards
- Your previous year's Notice of Assessment, to identify unused net capital losses available to offset current year gains.
How much does it cost?
Investment return
From $99
For organised investors with clean, single-brokerage T5008 statements or minor dividend income ready for standard schedules.
Multi-exchange & DeFi
Custom quote
Multi-exchange crypto reconciliation, high-frequency day trading analysis, DeFi and staking calculations, and Form T1135 foreign asset reporting optimisation.
Full breakdown on the pricing page.
Trusted investment & crypto tax preparation across the Greater Toronto Area
Investing and crypto trading come with strict regulatory oversight. The CRA treats cryptocurrency as a commodity, which means every single transaction — including trading one token for another or buying an NFT — is a taxable event. Missing a trade, failing to track your Adjusted Cost Base properly, or neglecting a Form T1135 submission can result in immediate penalties and retroactive interest.
We reconcile complex blockchain ledgers and maximise dividend tax credits for investors across Toronto, North York, Markham, Scarborough and the wider GTA, handling the data-heavy lifting so your attention stays on the portfolio.
Investment & crypto FAQ
Is trading one crypto for another taxable?
Yes. The CRA treats a crypto-to-crypto trade as a disposition, so a gain or loss is realised in Canadian dollars even though no cash was received.
My exchange closed and I lost my records. Now what?
It is usually reconstructable from blockchain data, bank transfers and any statements you still have. This is common — and much easier to fix before the CRA writes to you.
Are my capital losses useful?
Yes. They offset capital gains in the year, can be carried back three years, or carried forward indefinitely.
Is my crypto a capital gain or business income?
It depends on the pattern of activity — frequency of trades, holding periods, how much time and expertise you apply, and whether you are borrowing to fund it. Occasional buying and holding usually produces capital gains, where only half is taxable. Active, frequent trading can be treated as business income, where all of it is. The classification follows the facts, not preference, and it is worth establishing early.
When do I have to file Form T1135?
If the total cost of your specified foreign property exceeded $100,000 CAD at any point in the year. It applies to foreign stocks held in a non-registered account and to crypto held on foreign exchanges. The penalty for not filing is significant regardless of whether tax was owing — our T1135 checker gives you a quick answer.
What if I have never reported past crypto activity?
Exchanges increasingly report to the CRA, so the practical question is when it surfaces rather than whether. The Voluntary Disclosures Program can provide relief from penalties if you come forward before the CRA contacts you — that relief is not available afterwards. It is a conversation worth having sooner.
Let's sort this out properly
Book a free consultation and I'll tell you exactly what your situation needs.