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Cross-border tax · US + Canada

Your IRS and CRA returns, prepared together so they actually agree.

One CPA licensed in both countries prepares both returns from a single organizer, with the credits claimed in the right order and the treaty positions written down. Published prices, and drafts of both returns in 10 business days.

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★★★★★
5.0 from clients on Google
If our error causes a penalty, we pay itOne CPA, both countries$249 assessment, credited
A Blue Cloud cross-border client
Two countries · one calendar
Dual-country filing calendar
Apr 15 · IRSinterest starts
Jun 15 · file bothauto US extension
Oct 15 · US + FBARlast call
Drafts in 10 business days
Licensed in bothCPA US (AICPA) + CPA Canada
Both returns, one firmNo second accountant to coordinate
Published pricesSet packages + a public rate card
US + Canada, remoteAll 50 states and every province
The border gap

Two countries. Two preparers. One expensive gap.

Most cross-border problems are not caused by either country's rules. They come from a US preparer and a Canadian one who never talk: credits claimed in the wrong order, an account reported on one side and not the other, treaty positions nobody writes down. One dual-licensed CPA closes the gap. If one of these is your question, the answer lives in both systems at once.

01Do I file in both countries this year, and which return comes first?
02What does the IRS actually want to see about my TFSA and RRSP?
03I moved mid-year. What happens to the year I left?
04I am behind on US filings from Canada. How bad is it, really?
05Will the same income get taxed twice, or does the treaty stop that?
06Why do my US preparer and my Canadian accountant give different answers?
A cross-border couple reviewing their returns
✓
Americans in CanadaThe annual two-country filing
●
Canadians in the USTN, H-1B, green card
★
SnowbirdsWinter south, stay Canadian
Built for both sides

For people whose life crosses the border

If you earn, own, or bank in both countries, your taxes are not two separate problems. They are one problem that has to be solved in both systems at once. That is the only thing we do here, every day.

  • ✓One organizer, both returnsSend each slip once. We handle the currency conversion and split the amounts between the two returns.
  • ✓The accounts that trip people upRRSP, TFSA, RESP, and the US reporting (FBAR, 8938, 3520) that rides along with them.
Book a free fit call
The coordinated package

Both returns, built to agree with each other

Two returns from one organizer, by one CPA who holds both licenses. Here is what that produces.

I

Two returns that agree

Your US and Canadian returns prepared together and e-filed in both countries, with the credits between them claimed in the right order.

II

Account reporting, aligned

FBAR, Form 8938, and T1135 built from one master list, so the two countries never contradict each other.

III

Treaty positions, in writing

Where the treaty decides which country taxes what, the position is documented with the filing, not assumed.

IV

The Next Year memo

Every engagement closes with a one-page plan: both countries' deadlines, estimated payments, and what changes for you next year.

Drafts of both returns within 10 business days of your complete documents.

The move year

The year you cross is the one to get right

A move is the expensive year to file wrong. Departure mechanics on one side, an arrival-year return on the other, residency dates set deliberately, and the one-time elections that only exist that year. We handle the transition as a single coordinated filing.

  • ✓Departure and arrival, togetherThe exit return where you left and the part-year return where you landed, reconciled.
  • ✓Behind on US filings? A clean way backStreamlined catch-up for non-willful filers: three years of returns, six of account reports, no scare tactics.
Talk to a cross-border CPA
A cross-border client in a home office
Residency, year one
Treaty tie-break
Filed both sides
What the package replaces

Two firms, or one. About the same money, without the gap.

How most people buy it

Two separate firms

A US expat service plus a Canadian preparer, each doing half. Per person.

  • US expat return, cross-border facts$650 to $950
  • FBAR report, added on$85 to $150
  • Form 8938, added on$120 to $200
  • State return, added on$125 to $185
  • Canadian T1, cross-border$400 to $850
  • T1135 foreign-property form$150 to $300
  • The two returns reconcilednobody's job
Adds up to, per person~$1,530 to $2,600+
VS
What you pay at Blue Cloud

The coordinated package

Both countries, one CPA, one organizer, one invoice.

  • US + Canadian returns, togetherincluded
  • Account reporting, both sidesincluded
  • Treaty positions documentedincluded
  • One routine IRS / CRA letterincluded
  • Next Year memo + calendarincluded
  • Replies in one business dayincluded
One engagementfrom $1,495

Bought in pieces, it adds up to more once every line is in, and the seam between the two returns is still yours to carry. One CPA preparing both starts at $1,495, includes the coordination, and the returns actually agree.

How it works

From first call to both returns filed, without the friction

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Free fit call
Tue · 10:00 AM
Thu · 2:00 PM
Book now

A free fit call

Fifteen minutes. Simple files get a written quote; layered ones start with the $249 assessment that maps the scope exactly.

Both returnsSCOPE
US 1040incl.
Canada T1incl.
One packagefrom $1,495
$Published price

One cross-border organizer

One organizer mapped to both returns. Send each slip once; we handle the currency and split it across the two.

Yarik Yarosh, CPA
Your CPA
Yarik Yarosh, CPA
✓Both sides, one CPA

Prepared together, signed

We prepare both returns in the right order, a dual-licensed CPA reviews and signs them, then walks you through both.

Your returnsUSCA
10 daysdrafts
✓Filed both sides

Drafts in 10 days, filed

Drafts of both within 10 business days, then we e-file in both countries and hand over the Next Year memo.

The packages

Three packages, every price published up front

Couples: the second spouse's return is half price. All prices in USD, fixed in writing before any work begins.

US Expat Compliance
US citizen or green card, in Canada
from $1,495/person
  • Coordinated 1040 + T1, e-filed in both countries
  • Double-tax protection, treaty positions documented
  • Reporting aligned: FBAR (to 10), 8938, T1135
  • RRSP / RRIF treaty handling + one routine letter
  • Next Year memo + filing calendar
Start with a free call
Canadian in the US
Canadian living or working in the US
from $1,495/person
  • 1040 or 1040-NR + the Canadian side, together
  • Residency day-count + the treaty tie-breaker, documented
  • The same reporting alignment where it applies
  • One routine IRS / CRA letter included
  • Next Year memo + filing calendar
Start with a free call
Cross-Border Executive
Investments, rentals, equity comp
from $2,495/person
  • Everything in the core packages, plus:
  • Rental property on both sides of the border
  • Up to two PFIC filings (Canadian funds / ETFs)
  • Equity comp sourced across the two countries
  • TFSA / RESP position memo + a mid-year call
Start with a free call

Behind on US filings? The Streamlined Catch-Up package is $2,495 flat — three years of US returns and six years of account reports, unlimited accounts, for non-willful filers. Moving across the border? The Entry/Exit Move Plan is $1,995, with 25% credited against year-one filing. Wintering south? The snowbird 8840 day-count filing is $250.

The add-on rate card, in full
Extra state return, each (extra province included)$125
Form 8621, Canadian funds / ETFs (PFIC), beyond included$400 each
Forms 3520 / 3520-A with a written TFSA / RESP position$350
Departure-year module (Canadian exit mechanics)$750
Principal-residence sale module$500
T2062 / T2062A clearance certificates$700
Section 216 rental return$700
1040-NR on its own$600
FBAR accounts beyond 10$10 each
Year-Round Care (optional, opt-in)$495/household/yr

The $249 Cross-Border Assessment (about $349 CAD, billed in USD) is credited in full toward any package within 60 days. Out-of-scope work is always quoted and approved before it starts.

The accuracy warranty

If our error causes a penalty, we pay the penalty

Two countries, one preparer. If we make an error on a return we prepared, the cost is ours, written into the engagement letter you sign.

  • Our error, our billIf a penalty or interest results from our mistake on a return we prepared, we pay it, up to your engagement fee or $2,500, whichever is smaller.
  • Drafts in 10 business daysBoth countries' drafts within 10 business days of your complete documents, published here and written into your engagement letter.
  • No surprise billsPackages and the add-on rate card are published. Your quote is fixed in writing, and anything beyond it is priced and approved first.

The conditions: complete and timely information from you, and any IRS or CRA letter forwarded to us within 7 days of the date on the letter. The warranty covers our errors; it does not promise specific outcomes or refund amounts.

Engagement LetterBlue Cloud CPA
Accuracy warranty

If our error causes a penalty or interest on a return we prepared, we pay it, up to your fee or $2,500, whichever is smaller.

Yarik Yarosh
CPA (US · Canada)
✓Signed
✓We pay the penalty
✓In writing
Experience

What this looks like in practice

Tech professional · Quebec + US

Two countries' returns, realigned.

A cross-border employee's US and Quebec filings had drifted out of step across separate preparers. We refiled the US side, brought the two returns back into agreement, and documented the credit position going forward.

✓
ResultOver $200,000 of foreign tax credit documented and carried forward against future US tax.
Departure year · Canada to US

A clean exit from the Canadian system.

A mover's final Canadian year: the departure return with its exit-tax rules, the penalty-relief filing her situation called for, and the account questions settled before the US years began.

✓
ResultThe departure year filed on both sides, penalty-relief request prepared and submitted.
Relocating couple · year one in the US

The first dual-country year, done once.

A couple's first year straddling the border: both countries' returns prepared together from one organizer, residency dates set deliberately, and the treaty positions documented for the years ahead.

✓
ResultA coordinated first-year filing in both countries, with a written map for the next one.

Client engagements of the firm. Details anonymized.

What clients say

Cross-border families who stopped juggling two accountants

G★★★★★ 5.0 from clients on Google
★★★★★

"One CPA who knows both systems. My RRSP and US reporting finally line up, and the treaty positions are written down."

Sample client
US citizen in Canada
★★★★★

"We moved mid-year and dreaded the taxes. Both countries' returns were filed together, in the right order, no surprises."

Sample client
Cross-border mover
★★★★★

"Drafts of both returns in about ten business days, exactly as promised, and one place that actually answers."

Sample client
Dual citizen

Sample layout. Real client reviews drop straight into this section once collected.

Who you work with

Your preparer is licensed in both countries

Yarik Yarosh, CPA, licensed in the US and Canada
Dual-licensedUS + Canada
Signs both returnsPersonally

Blue Cloud's cross-border files are prepared, reviewed, and signed personally by Yarik Yarosh, a CPA licensed in both the United States and Canada. The same person sees both returns, so nothing falls into the gap between two preparers. The practice runs bookkeeping, business tax, and advisory under one roof, and cross-border is the specialty it was built around.

LicensureCPA (US) · CPA (Canada)
MembershipsAICPA · CPA Canada
FirmFlorida-licensed CPA firm
ProfileLinkedIn
Cross-border questions

The ones dual-country families ask first

Do you really file both the US and Canadian returns?
Yes. We hold active CPA licenses in the United States (AICPA) and Canada, so both returns are prepared and signed in one place, with the foreign tax credits and treaty positions decided by the same CPA. No second firm to coordinate.
I just moved between the countries. Which years do I file?
A move usually means a part-year or departure return in the country you left and an arrival-year return where you landed, often with treaty tie-breaker positions for the transition year. We map exactly which returns apply on the assessment, before you commit to anything.
Do my RRSP and TFSA really need US reporting?
Usually yes on reporting, even when no tax is due. Under the treaty the IRS does not tax your RRSP's growth each year, but the account still appears on the reports. A TFSA gets no such protection and parts of its US treatment are genuinely unsettled, so we document the position we take in writing.
I am behind on US filings from Canada. How bad is it?
Usually more fixable than it feels. The IRS runs a streamlined program for people who fell behind by mistake, not on purpose. For most qualifying filers abroad that means catching up without the usual late penalties: three years of returns and six years of account reports. Our Streamlined Catch-Up is $2,495 flat with unlimited accounts, and we tell you exactly what needs filing before anything is filed.
What does working together look like?
Everything runs through a secure TaxDome portal: one cross-border organizer, document uploads, e-signatures, and messaging in one place. You send each slip once; we handle currency conversion and the back-and-forth between the two returns. Questions are answered within one business day by the CPA, not a support queue.
How much of my time does this take?
One organizer, once. Plan on about an hour to complete it, plus a 30-minute walkthrough of both returns at the end. The coordination between the two returns happens on our side; the decisions stay on yours.
How does the $249 assessment work?
It is a paid 60-minute review plus a written plan that maps your both-country exposure and gives you a clear scope and fixed number. Hire us for any package within 60 days and the full $249 comes off your bill. The written plan is yours to keep either way.
Not sure which applies to you?A cross-border CPA will tell you on a free fifteen-minute call.
Book a free call

Let's sort out both sides of your taxes

A free fifteen-minute fit call with a CPA licensed in both countries. We will tell you honestly what your file needs, and what it does not.

  • ✓A free call with a dual-licensed CPA
  • ✓Honest read on which returns apply
  • ✓The $249 assessment credits to your engagement
  • ✓If our error causes a penalty, we pay it
A CPA takes your call, not a sales repEvery first call is with a licensed CPA, dual-licensed US and Canada. Real answers from the start.
Dual-licensed US & CanadaPublished pricesNo pitch

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