Free fifteen-minute call. With a CPA, no payment until after.
Client login786-952-6621
Guides

Yarik Yarosh, CPA

YY

Yarik Yarosh, CPA

Founder of Blue Cloud CPA. Dual-licensed CPA (US AICPA + CPA Canada). Every guide here is written or reviewed by Yarik directly. When a guide shows a "Reviewed by" box, it means he checked each factual claim against the primary source (the statute, treaty, IRS page, or CRA folio it cites) and signed off on the review date shown.

Licenses, and how to verify them
CPA, State of Florida (license AC61704)

Active Certified Public Accountant license. Verify it yourself: CPAverify (national registry) or Florida DBPR license search.

CPA, Ontario (Canada)

Chartered Professional Accountant, member of CPA Ontario. Verify: CPA Ontario member directory.

Cross-Border

I'm Canadian on a TN Visa. How Do US Taxes Work My First Year?

Yes, your TN days count toward the substantial presence test. Arrive by mid-year and you'll likely file a dual-status return. Here's the day math and the forms.

Jul 20, 2026
Cross-Border

E-2 Visa Move: Your Canadian Taxes and What You File in Year One

Most E-2 movers become US tax residents the year they land, file a final Canadian return with a departure date, and add FBAR plus Form 5471 if they keep the Canadian corporation.

Jul 20, 2026
Cross-Border

Do I Owe US Exit Tax If I Give Up My Green Card and Move Back to Canada?

Only if you're both a long-term resident (green card in 8 of the last 15 taxable years) and a covered expatriate. Plenty of people are neither. Timing decides it.

Jul 20, 2026
Cross-Border

Leaving Canada Permanently: What's the Tax Checklist?

The full leaving-Canada tax list in order: sever ties, document the departure date, file T1161 with the final return, settle RRSP, TFSA, CPP, and OAS.

Jul 20, 2026
Cross-Border

What happens to my RRSP and TFSA when I move to the US on TN?

Neither account is deemed sold when you leave Canada. The RRSP's US tax deferral is automatic now; the TFSA turns into taxable US income on day 1.

Jul 20, 2026
Cross-Border

I'm a US resident selling Canadian property. What is a Section 116 clearance certificate?

Without a clearance certificate the buyer holds back 25% of your full sale price. Form T2062 cuts that to 25% of the gain. Deadlines, math, and the US side.

Jul 20, 2026
Cross-Border

Do I Owe Canadian Departure Tax When I Move to the US? (T1161, T1243, and the Deemed Disposition)

Usually yes. Leaving Canada triggers a deemed sale of most property at fair market value. Here are the forms (T1161, T1243), the penalties, and the worked math.

Jul 19, 2026
Cross-Border

Is a TFSA a Foreign Trust? Do I Really Need Form 3520?

The IRS has never ruled on TFSAs. Here are the two defensible filing positions, the penalty math, and the 2024 proposed rule that exempts accounts under $50,000.

Jul 19, 2026
Cross-Border

Should I withdraw my RRSP as a lump sum or periodic RRIF payments after moving to the US?

Periodic RRIF withdrawals get the 15% treaty rate; an RRSP lump sum is withheld at 25%. Here are the rules, the yearly ceiling, and the ten-year math.

Jul 19, 2026
Cross-Border

What does the Streamlined procedure actually cost for a Canadian?

Most Canadian streamlined files land between US$2,500 and $4,500 in preparer fees, and a typical employee file owes $0 US tax. Accounts drive the spread.

Jul 19, 2026
Cross-Border

Why was I quoted $1,200 just for TFSA reporting? What should it cost?

A $1,200 TFSA quote usually means protective Form 3520 and 3520-A filings for every account. Here's what that work involves and when the number is fair.

Jul 19, 2026
CFO & Advisory

When a Small Business Actually Needs a Fractional CFO

The signs that you have outgrown a bookkeeper but cannot justify a full-time CFO, and what a fractional one actually does.

Jun 18, 2026
Cross-Border

Canada's Departure Tax, Explained Before You Move to the US

What Canada's departure tax actually is, when it hits you on the way to the US, and the moves that matter before your move date.

Jun 18, 2026
Cross-Border

Why One Cross-Border CPA Beats Two Accountants Who Do Not Talk

When your taxes touch both the US and Canada, the expensive mistakes happen in the gap between two separate accountants. One dual-licensed CPA closes that gap.

Jun 16, 2026