Documents to collect from a new client

Before you start

Send this list to the client at the first meeting. Once the household is created, its Documents page shows the same list fitted to the record, with each document's status, and Request the missing sends them all to the client's portal in one email.

Never ask for government ID or anything showing a SIN or full account number: have those numbers blacked out first, leaving at most the last four digits.

For the household record

Notices of Assessment for the last two years (each adult): Income, RRSP and TFSA contribution room, and amounts carried forward.

Last year's income tax returns (each adult): Sources of income, deductions and credits.

Latest statement for every investment and bank account, with account numbers blacked out: Account values, holdings and book values (RRSP, TFSA, FHSA, RESP, RDSP, LIRA, non-registered and others).

Recent pay stubs or last year's T4 slips: Salary, pension plan contributions and payroll deductions. (If: a member is employed.)

Group benefits booklet from the employer: Workplace life, disability and health coverage. (If: a member is employed.)

Workplace pension plan's latest annual statement: Pension amount, start age, indexing, bridge and survivor benefits. (If: a member has a workplace pension.)

Business financial statements and the last form T2125: Self-employment income and expenses. (If: a member is self-employed.)

Mortgage, line of credit and loan statements: Balances, interest rates and payments. (If: the household has debts.)

Property tax bill or assessment for each property, and the purchase cost of any property other than the home: Property values and the cost base for capital gains. (If: the household owns real estate.)

Personal insurance policies or their latest annual statements: Coverage, premiums and beneficiaries. (If: the household has insurance.)

Separation agreement or court order: Support payments and the division of property. (If: a member is separated or divorced.)

For the plan

CPP Statement of Contributions from My Service Canada Account, or the QPP statement from Retraite Québec (each adult): CPP or QPP pension estimates at 65.

T4A(P) and T4A(OAS) slips, or the QPP statement of benefits, for pensions already being paid: CPP or QPP and OAS amounts in pay. (If: a member is retired.)

Wills and powers of attorney, or protection mandates in Quebec (each adult): Beneficiaries, executors and the estate plan.

Corporation's financial statements and its last T2 return: Business income, and the GRIP, CDA and refundable tax balances. (If: a member owns a corporation.)