{"id":135,"date":"2025-10-15T16:36:30","date_gmt":"2025-10-15T16:36:30","guid":{"rendered":"https:\/\/cornerstoneadvisorytax.com\/?page_id=135"},"modified":"2025-10-22T19:02:58","modified_gmt":"2025-10-22T19:02:58","slug":"canadian-personal-tax-organizer","status":"publish","type":"page","link":"https:\/\/cornerstoneadvisorytax.com\/zh\/canadian-personal-tax-organizer\/","title":{"rendered":"\u500b\u4eba\u7a05\u52d9\u8cc7\u8a0a"},"content":{"rendered":"
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\u500b\u4eba\u7a05\u52d9\u8cc7\u8a0a<\/p>\n\n\n\n

\u6b64\u9801\u9762\u65e8\u5728\u8b93\u60a8\u8f15\u9b06 \u6536\u96c6\u6b63\u78ba\u7684\u6587\u4ef6<\/strong> \u7bc0\u7701\u60a8\u7684\u6642\u9593\u4e26\u907f\u514d\u5ef6\u8aa4\u3002 <\/p>\n\n\n\n

\u70ba\u4e86\u5e6b\u52a9\u60a8\u6e96\u78ba\u53ca\u6642\u7533\u5831\u7a05\u6b3e\uff0c\u6211\u5011\u6574\u7406\u4e86\u4e00\u4efd\u6700\u5e38\u898b\u7684 \u5831\u7a05\u6642\u4f60\u9700\u8981\u6e96\u5099\u6587\u4ef6<\/strong> \u5e6b\u52a9\u60a8\u6e96\u5099\u7a05\u52d9 <\/p>\n\n\n\n

\u7121\u8ad6\u60a8\u662f\u54e1\u5de5\u3001\u81ea\u50f1\u4eba\u58eb\u3001\u5b78\u751f\u6216\u52a0\u62ff\u5927\u65b0\u79fb\u6c11\uff0c\u6e96\u5099\u597d\u6587\u4ef6\u662f\u9806\u5229\u3001\u7121\u58d3\u529b\u7684\u5831\u7a05\u9ad4\u9a57\u7684\u7b2c\u4e00\u6b65\u3002 <\/p>\n\n\n\n

\u5982\u679c\u60a8\u6709\u79df\u91d1\u6536\u5165\u6216\u5546\u696d\/\u5c08\u696d\u6536\u5165\uff0c\u6211\u5011\u5c07\u900f\u904e\u96fb\u5b50\u90f5\u4ef6\u5411\u60a8\u767c\u9001\u55ae\u7368\u7684\u7bc4\u672c <\/p>\n<\/div>\n\n\n\n

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<\/div>\n<\/div>\n<\/div>\n\n\n\n
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\u6536\u5165<\/strong><\/h2>\n\n\n\n
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    \n
  • T4\/ RL1 \u2013 \u5c31\u696d\u6536\u5165<\/li>\n\n\n\n
  • T4A (OAS) \u2013 \u8001\u5e74\u4fdd\u969c<\/li>\n\n\n\n
  • T4A (P) \/ RL2 \u2013 \u52a0\u62ff\u5927\u6216\u9b41\u5317\u514b\u9000\u4f11\u91d1<\/li>\n\n\n\n
  • T4RIF\/ T4RSP\/ RL2 \u2013 RIFF\/RRSP\u6536\u5165\/HBP\u63d0\u6b3e<\/li>\n\n\n\n
  • T4E\/ RL6 - \u6536\u5165\u4fdd\u96aa<\/li>\n\n\n\n
  • T4HSA\/RL32 \u7b2c\u4e00\u500b\u5bb6\u5ead\u5132\u84c4\u5e33\u6236<\/li>\n<\/ul>\n\n\n\n
    <\/div>\n<\/div>\n\n\n\n
    \n

    \u5176\u4ed6\u6536\u5165<\/strong><\/h2>\n\n\n\n
    \n\n\n\n
      \n
    • \u5546\u696d\/\u5c08\u696d\u6536\u5165 - T2125<\/li>\n\n\n\n
    • \u51fa\u79df\u7269\u696d\u6536\u5165 - T776<\/li>\n\n\n\n
    • T5013\/RL15 \u2013 \u5408\u5925\u6536\u5165 <\/li>\n\n\n\n
    • \u914d\u5076\u8d0d\u990a\u8cbb\uff08\u6536\u5165\uff09<\/li>\n\n\n\n
    • \u734e\u5b78\u91d1\u3001\u52a9\u5b78\u91d1\u548c\u7814\u7a76\u91d1\u6536\u5165<\/li>\n\n\n\n
    • \u8fb2\u696d\u6536\u5165\/\u652f\u51fa - T2042<\/li>\n<\/ul>\n\n\n\n
      <\/div>\n<\/div>\n\n\n\n
      \n

      \u6295\u8cc7<\/strong><\/h2>\n\n\n\n
      \n\n\n\n
        \n
      • T3\/ RL16 \u2013 \u4fe1\u8a17\/\u5171\u540c\u57fa\u91d1\u6536\u5165<\/li>\n\n\n\n
      • T5\/ RL3 \u2013 \u80a1\u606f\/\u5229\u606f\u6536\u5165<\/li>\n\n\n\n
      • \u8cc7\u672c\u5229\u5f97\/\u640d\u5931\uff08\u7d93\u7d00\u5831\u544a\uff09 <\/li>\n\n\n\n
      • T5008\/RL18 \u2013 \u8b49\u5238\u4ea4\u6613<\/li>\n\n\n\n
      • T1135 \u2013 \u6d77\u5916\u6536\u5165\u8868<\/li>\n\n\n\n
      • T1134 - \u5916\u570b\u9644\u5c6c\u516c\u53f8\u5831\u544a<\/li>\n<\/ul>\n\n\n\n
        <\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
        \n
        \n

        \u6263\u9664\u984d\u548c\u7a05\u6536\u62b5\u514d\uff08\u8acb\u63d0\u4f9b\u6536\u64da\uff09<\/strong><\/h2>\n\n\n\n
        \n\n\n\n
          \n
        • \u8b77\u7406\/\u990a\u8001\u9662<\/li>\n\n\n\n
        • \u6148\u5584\u6350\u6b3e<\/li>\n\n\n\n
        • \u5152\u7ae5\u6258\u5152\u6240\u8cbb\u7528\uff08\u5982\u679c\u4e0d\u662f\u5152\u7ae5\u6258\u5152\u6240\u6a5f\u69cb\uff0c\u5247\u5305\u62ec\u7167\u9867\u8005\u7684SIN\u865f\u78bc\uff09<\/li>\n\n\n\n
        • \u5df2\u652f\u4ed8\u5b50\u5973\u6276\u990a\u8cbb\uff08\u8acb\u63d0\u4f9b\u5354\u8b70\uff09<\/li>\n\n\n\n
        • \u6578\u4f4d\u65b0\u805e\u8a02\u95b1<\/li>\n\n\n\n
        • \u6b98\u75be\u7a05\u6536\u62b5\u514d<\/li>\n\n\n\n
        • \u7b26\u5408\u8cc7\u683c\u7684\u6559\u80b2\u5de5\u4f5c\u8005\u5b78\u6821\u7528\u54c1\u62b5\u514d<\/li>\n\n\n\n
        • \u50f1\u54e1\u8cbb\u7528\uff08\u8acb\u63d0\u4f9b\u7c3d\u540d\u7684 T2200\uff09<\/li>\n\n\n\n
        • \u5c45\u5bb6\u7121\u969c\u7919\u8a2d\u65bd\u8cbb\u7528\uff08\u9069\u7528\u65bc 65 \u6b72\u6216\u4ee5\u4e0a\u4eba\u58eb\uff0c\u4e26\u7ffb\u65b0\u60a8\u7684\u623f\u5c4b\uff0c\u4f7f\u5176\u66f4\u65b9\u4fbf<\/li>\n\n\n\n
        • \u8cfc\u5c4b\u8005\u91d1\u984d<\/li>\n\n\n\n
        • \u5b78\u751f\u8cb8\u6b3e\u652f\u4ed8\u7684\u5229\u606f<\/li>\n\n\n\n
        • \u6295\u8cc7\u8cb8\u6b3e\u652f\u4ed8\u7684\u5229\u606f<\/li>\n\n\n\n
        • \u91ab\u7642\u4fdd\u96aa\u8cbb<\/li>\n\n\n\n
        • \u91ab\u7642\u6536\u64da\uff08\u5982\u679c\u4fdd\u96aa\u516c\u53f8\u4e0d\u627f\u4fdd\uff09<\/li>\n\n\n\n
        • \u642c\u5bb6\u8cbb\u7528\uff08\u5982\u679c\u56e0\u5de5\u4f5c\u800c\u642c\u5bb6\u8d85\u904e 40 \u516c\u91cc\uff09<\/li>\n\n\n\n
        • \u975e\u8a3b\u518a\u6295\u8cc7\u7ba1\u7406\u8cbb<\/li>\n\n\n\n
        • \u653f\u6cbb\u737b\u91d1<\/li>\n\n\n\n
        • \u623f\u7522\u7a05\uff08\u4e0a\u4e00\u7d0d\u7a05\u5e74\u5ea6\u7684\u6700\u5f8c\u4e00\u5f35\u5e33\u55ae\/\u79df\u91d1\u6536\u64da\uff09<\/li>\n\n\n\n
        • RRSP \u4f9b\u6b3e\uff08\u4e0a\u4e00\u7d0d\u7a05\u5e74\u5ea6\u548c\u672c\u7d0d\u7a05\u5e74\u5ea6\u524d 60 \u5929\u7684\u6536\u64da\uff09<\/li>\n\n\n\n
        • \u5df2\u6536\u5230\u5b50\u5973\u6276\u990a\u8cbb\uff08\u8acb\u63d0\u4f9b\u5354\u8b70\uff09<\/li>\n\n\n\n
        • \u5b78\u8cbb\uff08\u8acb\u63d0\u4f9b\u7c3d\u540d\u7684 T2202 \u6216 TL11A \u5916\u570b\u5b78\u8cbb\uff09<\/li>\n\n\n\n
        • \u5de5\u6703\u6216\u5c08\u696d\u6703\u8cbb<\/li>\n<\/ul>\n\n\n\n
          <\/div>\n<\/div>\n<\/div>\n\n\n\n
          \n
          \n
          <\/div>\n\n\n\n
          <\/div>\n<\/div>\n\n\n\n
          \u60a8\u7121\u9700\u586b\u5beb\u4ee5\u4e0a\u6240\u6709\u8868\u683c\u3002\u8acb\u50c5\u6536\u96c6\u8207\u60a8\u5177\u9ad4\u60c5\u6cc1\u76f8\u7b26\u7684\u55ae\u64da\u548c\u6536\u64da\u3002\u4f8b\u5982\u5e38\u898b\u7684\u6587\u4ef6\u5305\u62ec\uff1a<\/summary>\n

          <\/p>\n<\/details>\n\n\n\n

          \n
          \n
          \"\"<\/figure>\n<\/div>\n\n\n\n
          \n
            \n
          • \u793e\u6703\u4fdd\u96aa\u865f\u78bc\uff08SIN\uff09<\/li>\n\n\n\n
          • \u96c7\u4e3b\u63d0\u4f9b\u7684\u6536\u5165\u55ae\uff08\u4f8b\u5982 T4\uff09<\/li>\n\n\n\n
          • \u5176\u4ed6\u6536\u5165\u8a18\u9304\uff08\u4f8b\u5982\u5c0f\u8cbb\u3001\u81ea\u7531\u8077\u696d\u6536\u5165\uff09<\/li>\n\n\n\n
          • \u6295\u8cc7\u5831\u8868\uff08\u4f8b\u5982\uff0cRRSP \u4f9b\u6b3e\uff09<\/li>\n\n\n\n
          • \u7b26\u5408\u689d\u4ef6\u7684\u7a05\u6536\u6e1b\u514d\u6536\u64da\uff0c\u4f8b\u5982\uff1a\n
              \n
            • \u6148\u5584\u6350\u6b3e<\/li>\n\n\n\n
            • \u4fdd\u96aa\u4e0d\u627f\u4fdd\u7684\u91ab\u7642\u8cbb\u7528<\/li>\n\n\n\n
            • \u5bb6\u5ead\u8fa6\u516c\u5ba4\u8cbb\u7528<\/li>\n\n\n\n
            • \u8207\u5546\u696d\u6216\u79df\u8cc3\u7269\u696d\u76f8\u95dc\u7684\u8cbb\u7528<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
              \n

              \u5e38\u898b\u554f\u984c <\/h2>\n\n\n\n
              \n
              \n\n\n\n

              \u6211\u7684\u4fdd\u96aa\u8a08\u5283\u6db5\u84cb\u7684\u91ab\u7642\u8cbb\u7528\u9700\u8981\u54ea\u4e9b\u6587\u4ef6\uff1f<\/h3>\n\n\n\n

              \u8acb\u63d0\u4f9b\uff1a\u60a8\u7684\u4fdd\u96aa\u516c\u53f8\u6240\u7c3d\u767c\u76842025\u5e74\u5ea6\u8a73\u7d30\u5e74\u5ea6\u7406\u8ce0\u8072\u660e\u3002\u8a72\u6458\u8981\u61c9\u5217\u51fa\u60a8\u7533\u8acb\u7684\u6240\u6709\u670d\u52d9\u3002\u4ee5\u53ca\u60a8\u70ba\u6b64\u79c1\u4eba\u5065\u5eb7\u8a08\u5283\u652f\u4ed8\u7684\u6240\u6709\u4fdd\u8cbb\u7684\u6536\u64da\u3002<\/p>\n\n\n\n

              \u8acb\u52ff\u5bc4\u9001\uff1a\u6bcf\u9805\u670d\u52d9\u7684\u55ae\u7368\u6536\u64da\u6216\u767c\u7968\u3002\u60a8\u7684\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u5ea6\u5e33\u55ae\u662f\u5fc5\u5099\u7684\u6587\u4ef6\u3002<\/p>\n\n\n\n

              \n\n\n\n

              \u6211\u9700\u8981\u63d0\u4f9b\u4ec0\u9ebc\u4f86\u7d22\u53d6\u4efb\u4f55\u4fdd\u96aa\u672a\u6db5\u84cb\u7684\u91ab\u7642\u8cbb\u7528\uff1f<\/h3>\n\n\n\n

              \u8acb\u63d0\u4f9b\u6bcf\u7b46\u8cbb\u7528\u7684\u6536\u64da\u6216\u85e5\u623f\u8a72\u7d0d\u7a05\u5e74\u5ea6\u7684\u8a73\u7d30\u8655\u65b9\u6458\u8981\u3002\u8acb\u9644\u4e0a\u4efb\u4f55\u8cbb\u7528\u7684\u6536\u64da \u65c5\u884c\u5065\u5eb7\u4fdd\u96aa\u8cbb<\/strong>\u00a0\u7b49\u7b49<\/p>\n\n\n\n

              \n\n\n\n

              \u7576\u6211\u5c07\u4e3b\u8981\u4f4f\u6240\u8f49\u63db\u70ba\u79df\u8cc3\u7269\u696d\u6642\uff0c\u95dc\u9375\u7a05\u52d9\u4e8b\u4ef6\u662f\u4ec0\u9ebc\uff1f\u6211\u53ef\u4ee5\u5ef6\u671f\u7e73\u7a05\u55ce\uff1f<\/strong>?<\/h3>\n\n\n\n

              \u6700\u95dc\u9375\u7684\u4e00\u6b65\u662f\u78ba\u5b9a\u78ba\u5207\u7684\u7528\u9014\u8b8a\u66f4\u65e5\u671f\uff0c\u56e0\u70ba\u52a0\u62ff\u5927\u7a05\u52d9\u5c40\u8a8d\u70ba\u60a8\u5728\u7576\u5929\u5df2\u4ee5\u516c\u5e73\u5e02\u5834\u50f9\u503c (FMV) \u51fa\u552e\u4e86\u8a72\u623f\u7522\u3002\u9019\u5c07\u70ba\u8a72\u623f\u7522\u4f5c\u70ba\u79df\u8cc3\u8cc7\u7522\u8a2d\u5b9a\u65b0\u7684\u6210\u672c\u57fa\u790e\u3002<\/p>\n\n\n\n

              \u4f46\u662f\uff0c\u60a8\u901a\u5e38\u53ef\u4ee5\u900f\u904e\u63d0\u4ea4\u7b2c45(2)\u689d\u9078\u9805\u4f86\u63a8\u9072\u7e73\u7d0d\u8cc7\u672c\u5229\u5f97\u7a05\u3002\u9019\u6a23\uff0c\u60a8\u5c31\u53ef\u4ee5\u7e7c\u7e8c\u5c07\u8a72\u623f\u7522\u8996\u70ba\u60a8\u7684\u4e3b\u8981\u5c45\u6240\uff0c\u6700\u591a\u53ef\u5ef6\u9577\u56db\u5e74\uff0c\u76f4\u5230\u60a8\u5be6\u969b\u51fa\u552e\u8a72\u623f\u7522\u6216\u56db\u5e74\u671f\u9650\u7d50\u675f\u624d\u7e73\u7d0d\u7a05\u6b3e\u3002\u4f46\u662f\uff0c
              \u50c5\u7576\u60a8\u76ee\u524d\u6c92\u6709\u6307\u5b9a\u4efb\u4f55\u5176\u4ed6\u623f\u7522\u4f5c\u70ba\u4e3b\u8981\u4f4f\u6240\u6642\u624d\u53ef\u4ee5\u9019\u6a23\u505a<\/p>\n\n\n\n

              \n\n\n\n

              \u6211\u9700\u8981\u63d0\u4f9b\u54ea\u4e9b\u6295\u8cc7\u6587\u4ef6\uff1f<\/h3>\n\n\n\n

              \u5982\u679c\u60a8\u6301\u6709\u7684\u6295\u8cc7\u4e26\u975e\u8a3b\u518a\u9000\u4f11\u5132\u84c4\u8a08\u5283 (RRSP)\u3001\u8a3b\u518a\u9000\u4f11\u6536\u5165\u57fa\u91d1 (RRIF)\u3001\u514d\u7a05\u5132\u84c4\u5e33\u6236 (TFSA) \u6216\u8a3b\u518a\u6559\u80b2\u5132\u84c4\u8a08\u5283 (RESP)\uff0c\u8acb\u5411\u60a8\u7684\u6295\u8cc7\u9867\u554f\u7d22\u53d6\u6bcf\u500b\u975e\u8a3b\u518a\u5e33\u6236\u7684\u7d0d\u7a05\u5e74\u5ea6\u7a05\u52d9\u7533\u5831\u8cc7\u6599\u5305\u3002\u8a72\u8cc7\u6599\u5305\u61c9\u5305\u542b\u4ee5\u4e0b\u5167\u5bb9\uff1a<\/p>\n\n\n\n

              \u5df2\u5be6\u73fe\u8cc7\u672c\u6536\u76ca\/\u640d\u5931\u5831\u544a\uff1a\u4ee5\u52a0\u5143\u5831\u544a\u7684\u5e74\u5ea6\u6240\u6709\u92b7\u552e\u4ea4\u6613\u7684\u6458\u8981\u3002<\/p>\n\n\n\n

              T1135 \u6d77\u5916\u8ca1\u7522\u7533\u5831\u8868\uff1a\u5982\u679c\u60a8\u6307\u5b9a\u7684\u6d77\u5916\u8ca1\u7522\uff08\u4f8b\u5982\uff0c\u5728\u52a0\u62ff\u5927\u5883\u5916\u6301\u6709\u7684\u80a1\u7968\u3001\u50b5\u5238\uff09\u7684\u7e3d\u6210\u672c\u5728\u4e00\u5e74\u4e2d\u7684\u4efb\u4f55\u6642\u9593\u8d85\u904e 100,000 \u52a0\u5143\uff0c\u5247\u9700\u8981\u586b\u5beb\u6b64\u8868\u3002<\/p>\n\n\n\n

              \u6295\u8cc7\u7ba1\u7406\u8cbb\uff1a\u4e00\u4efd\u8a73\u7d30\u8aaa\u660e\u7ba1\u7406\u9019\u4e9b\u975e\u8a3b\u518a\u6295\u8cc7\u6240\u652f\u4ed8\u8cbb\u7528\u7684\u8072\u660e\u3002 \uff08\u8a3b\uff1a\u8a3b\u518a\u5e33\u6236\u7684\u8cbb\u7528\u4e0d\u53ef\u6263\u9664\uff09\u3002<\/p>\n\n\n\n

              <\/div>\n<\/div>\n\n\n\n
              \n
              \n\n\n\n

              \u5982\u679c\u6211\u64c1\u6709\u6d77\u5916\u8cc7\u7522\uff0c\u6211\u8a72\u5982\u4f55\u5411\u52a0\u62ff\u5927\u7a05\u52d9\u5c40\u5831\u544a\uff1f<\/h3>\n\n\n\n

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