Finvo USA: the Canadian side of cross-border life
Finvo USA is for US companies opening or growing in BC and Alberta, Americans living in Canada, and Canadians with US income or property. We handle the Canadian side: registrations, books, payroll and your Canadian personal and corporate returns. We don't prepare US tax returns. We coordinate with our US partners, who prepare your US returns.
We do Canada. Our US partners do the US.
Cross-border tax has two sides. Each side is prepared by people who work in that country's system, and the two are lined up so they match.
Finvo: the Canadian side
- Canadian personal (T1) and corporate (T2) returns
- T1135 foreign property reporting and foreign tax credits on your Canadian return
- BC and Alberta registrations, GST/HST and BC PST accounts
- Bookkeeping and payroll for your Canadian operations
- Help with CRA letters, once you add us on CRA
Our US partners: the US side
- Your US returns, personal and business, prepared by our associated US partners
- You review your US taxes with your US partner directly
- We introduce you and share the Canadian figures they need, with your permission
- We coordinate timing, so the Canadian and US returns show the same income and taxes
Finvo does not prepare US tax returns of any kind, including Form 1040, 1120, 1120-S and 1065, and doesn't file anything with the IRS. We refer you to our associated US partners. We coordinate with our US partners, who prepare your US returns. You review your US taxes with them, and we handle the Canadian side.
Opening or growing in BC or Alberta
Selling, hiring or setting up a location in BC or Alberta brings Canadian registrations, sales tax, payroll and returns. We set up the Canadian side and keep it running each month.
Branch or subsidiary
A branch means your US company itself registers to do business in the province. A subsidiary is a new Canadian corporation that your US company owns. Each has different liability, tax and paperwork on both sides of the border, so you decide with your lawyer and your US advisors. We explain the Canadian accounting and tax side.
Registering in BC or Alberta
A company incorporated outside BC can register to operate in BC as an extraprovincial company. Alberta has its own extra-provincial registration, filed through a registry agent. A subsidiary is incorporated in BC, Alberta or federally instead.
Incorporation in BC and AlbertaGST/HST and BC PST
Whether you register for GST/HST depends on whether you carry on business in Canada and on your sales. BC PST is separate, and sellers outside BC may need it too. Alberta has no provincial sales tax.
GST/HST registration guideHiring in Canada
Employees in BC or Alberta need a CRA payroll account, CPP, EI and income tax deductions, T4 slips, and WorkSafeBC or WCB Alberta registration. We run the pay and the remittances.
PayrollCanadian books
Monthly bookkeeping for the Canadian operation, in Canadian dollars, with the GST/HST and PST returns and reports your US head office can read.
BookkeepingCanadian corporate return
A Canadian subsidiary files a corporate (T2) return every year. A US company with a branch here may also have to file a T2 in certain situations. We prepare the Canadian return and share the figures with your US partner.
Corporate taxThis is general information, not legal advice. We work alongside your lawyer on structure and registration.
Living in Canada as an American
If you're a resident of Canada for tax purposes, you generally file a Canadian return each year and report your income from around the world on it. As a US citizen you usually have US filing to do as well.
We prepare your Canadian return. Our US partners prepare your US returns, and you review your US taxes with them. We share figures both ways, with your permission, so the same income and taxes show up on both.
Moved to Canada this year? Your first Canadian return has its own rules for the part of the year before you arrived.
Your Canadian return
Employment, investment, rental and business income, with the Canadian deductions and credits your slips and records support.
Foreign tax credits
Where the same income is taxed in both countries, we look at the foreign tax credit on your Canadian return.
Your US returns, by our US partners
We introduce you to our US partners. They prepare your US returns and go through your US taxes with you.
Lined up
Both returns use the same figures, and we keep each other updated on timing.
US income or property on your Canadian return
Canadian residents pay tax on their income from around the world, so US rent, wages, dividends and gains go on your Canadian return too.
Foreign property reporting
If US shares, US bank accounts, a US rental or other foreign property cost more than $100,000 in total at any time in the year, you file T1135 with your return. RRSP and TFSA holdings and personal-use property don't count.
The T1135 guideForeign tax credits
If you paid US tax on income that's also taxed in Canada, a federal foreign tax credit may reduce your Canadian tax on it. We work it out from the US figures your US partner prepares.
US rental property
Rent and expenses from a US property go on your Canadian return in Canadian dollars. Any US return for the property is prepared by our US partners.
US employment income
Wages earned in the US are reported on your Canadian return as well, along with the US tax taken off them, so the foreign tax credit can be worked out.
US dividends and gains
Dividends, interest and gains from US investments in non-registered accounts go on your Canadian return, in Canadian dollars, with any US tax withheld.
Catching up
Missed a T1135 or some US income in an earlier year? We explain your options and prepare the Canadian filings for your approval.
Add us on CRAOne plan, two countries
Start with a free 15-minute call. Tell us who you are (a US company, an American in Canada or a Canadian with US income), where you live and what you own or earn in each country.
We explain what the Canadian side involves and what it would cost, and we introduce you to our US partners for the US side.
We see clients in person at our Surrey, Edmonton and Courtenay offices by appointment, or by video and phone from anywhere, including the US. Documents go through the client portal, never by email.
Free 15-minute call
We learn your situation on both sides of the border and confirm what Finvo would do.
Introduction to our US partners
For your US returns, we introduce you to our associated US partners.
The Canadian side
We prepare your Canadian registrations, books, payroll and returns, and send them to you for approval before anything is filed.
Your US review
You review your US taxes with your US partner, and we share figures so both sides match.
Finvo USA, answered
Does Finvo prepare US tax returns?
No. Finvo doesn't prepare US tax returns of any kind, such as Form 1040, 1120, 1120-S or 1065. We refer you to our associated US partners, who prepare your US returns, and you review your US taxes with them. We coordinate with them and handle the Canadian side: your Canadian returns, books, payroll and registrations.
Who are your US partners?
They are associated US tax preparers we refer clients to for the US side. We introduce you, and you work with them directly on your US returns and review your US taxes with them. With your permission, we share the Canadian figures they need, so both sides tell the same story.
Can a US company do business in BC or Alberta?
Yes. A US company can register in BC or Alberta as an extra-provincial company, which is often called a branch, or it can set up a Canadian subsidiary corporation. The choice affects liability, tax and paperwork on both sides of the border, so it's made with your lawyer and your US advisors. We explain the Canadian accounting and tax side and set up the registrations, books and payroll.
Does a US company need to register for GST/HST?
It depends on whether it carries on business in Canada and on its sales. Generally, a business must register once its taxable sales go over $30,000 in a single calendar quarter or over four consecutive calendar quarters. BC PST is separate, and businesses outside BC may also need to register for it. Alberta has no provincial sales tax.
I'm an American living in BC. Do I file a Canadian tax return?
If you're a resident of Canada for tax purposes, generally yes, and you report your income from around the world on it. As a US citizen you usually have US filing to do as well. Our US partners prepare that side, and we line the two up so the same income and taxes appear on both.
I have a rental property in the US. What goes on my Canadian return?
The rent and expenses, converted to Canadian dollars, on form T776. Where you paid US tax on that income, a foreign tax credit may reduce your Canadian tax (form T2209). If your foreign property cost more than $100,000 in total at any time in the year, you also file form T1135. Any US return for the property is prepared by our US partners.
Do my US shares or US bank account count for T1135?
Usually, yes. US shares in a regular, non-registered account count, even if a Canadian broker holds them, and so does money in a US bank account. Property in an RRSP or a TFSA doesn't count. You file T1135 when the total cost of this kind of property is more than $100,000 at any time in the year.
What does the Canadian side cost?
We quote the Canadian work after a free 15-minute call, once we know what's involved, and confirm your price before any work starts. Prices are in Canadian dollars, before GST. Your US returns are prepared by our US partners, who confirm their own fees with you.
Sources, checked 4 Nov 2026. Rules have exceptions and can change. This page is general information, not legal or tax advice for your situation, and it describes Canadian rules only.
Government of BC, Incorporated companies (gov.bc.ca): a company incorporated outside the province may register to operate in BC as an extraprovincial company; legal advice is recommended.
Government of Alberta, Incorporate an Alberta corporation (alberta.ca): filings through a registry agent, and the agent for service notice for Alberta and extra-provincial corporations.
CRA, When to register for and start charging the GST/HST (canada.ca): the $30,000 small supplier threshold. Government of BC, Register to collect PST (gov.bc.ca): sellers outside BC may also need to register.
CRA, Corporation income tax return (canada.ca): resident corporations file a T2 every year; non-resident corporations file in certain situations.
CRA, Foreign Income Verification Statement (T1135) and Questions and answers about Form T1135 (canada.ca): the $100,000 cost test, RRSP and TFSA exclusion, shares held through a Canadian broker.
CRA, forms T2209 Federal Foreign Tax Credits and T776 Statement of Real Estate Rentals (canada.ca).
Let's map out both sides of the border
Book a free 15-minute call by video or phone. Tell us whether you're a US company, an American in Canada or a Canadian with US income, and we'll explain what we'd do on the Canadian side, what it would cost, and how our US partners handle your US returns.
Which office?
Book a free 15-minute call15-minute calls every weekday at 10 am and 2 pm Pacific (11 am and 3 pm Mountain), except holidays.
Typical next slots, confirmed when you book:
Call (236) 300-3322Email contact@finvo.caMon–Fri, 9 am – 5 pm PT/MT5.0 on Google · 92 reviews