About · Canmore, Alberta
Who writes this, how it is checked, and what it will not sell you.
BalanceBitcoin is one owner-operator in Canmore writing down how Bitcoin fits on a Canadian balance sheet. Personal, family, corporate, professional corporation, condo reserve. Educational publishing. No sales call.
Updated October 5, 2026 · Reading time about 4 minutes · Educational only. Not financial, investment, tax, or legal advice. BalanceBitcoin is not a registered dealer or advisor.
Who writes it
I am Gilles Wayne. I live and work in Canmore, Alberta, and I publish BalanceBitcoin under Modern Wellness Ltd.
In 2019 I sat in my accountant's office in downtown Canmore looking at a corporate balance sheet full of GICs and a high-interest savings account. On paper it looked safe. In 2020 I moved that corporate treasury into Bitcoin and built the rest of my sheet around it: TFSA, RRSP, business credit, spot, and margin. The long version is chapter one of the Playbook.
I am not a dealer, a portfolio manager, or an accountant. I am a Canadian owner who did this on his own sheet and then wrote down the parts that took too long to find.
What this site is
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01
Canadian wrappers only
TFSA, RRSP, FHSA, CCPCs, professional corporations, condo reserve funds. The rules that actually apply here, not a US guide with the tickers swapped.
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02
Sized, not sold
Small, deliberate allocations measured in years. The calculators show the math so you can set your own number with your accountant.
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03
Free to read
The Playbook, Why Bitcoin, every guide, and every tool. No email gate.
What it will not do
- No paid consultation and no call to book. The old consultation page is gone.
- No altcoins. Bitcoin only.
- No invented firms, fees, or yields. The accountant directory lists only practitioners from a verified earlier directory, and the Featured badges there are disclosed as paid placements from that directory, not endorsements.
- No promise of returns. Historical tables are history. Bitcoin can fall hard and stay down for years.
How pages are checked
Figures that move, such as ETF fees, TFSA room, and inclusion rates, are checked against the primary source: Canada.ca and CRA for tax and registered accounts, and the fund issuer for ETF fees. The aim is that every moving figure carries the date it was checked. Where the rule depends on your situation, the page says so and sends you to your accountant.
Tax rules move. Capital gains inclusion, contribution room, and corporate passive income rules have all changed in recent years. Treat every number here as a starting point for a conversation with a qualified Canadian accountant, not as the answer.
Corrections
When an older page disagreed with itself or with a primary source, the figure was fixed everywhere it appeared. These are the corrections made while moving the site, checked September 28, 2026.
| Topic | Was | Now | Source |
|---|---|---|---|
| BTCC.B fee | 0.70%, 0.75%, 1.0%, or 1.50% on different pages | MER 1.29%, as of June 30, 2026 | Purpose Investments |
| EBIT fee | 0.75% or 0.95% | MER 1.54%, as of December 31, 2025. The 0.75% was the management fee before sales tax and other costs. | Evolve ETFs |
| TFSA room in 2026 | $102,000 or $204,000 combined | $109,000 for someone who was 18 or older in 2009 and has never contributed, $218,000 for a couple | Canada.ca |
| Capital dividend account | One page said Bitcoin gains do not flow into the CDA | The non-taxable part of a private corporation's capital gains is added to the CDA | CRA Folio S3-F2-C1 |
| Passive income from Bitcoin gains (AAII) | Two-thirds of a realized gain counts toward the $50,000 small business line | The taxable capital gain counts, which is half of the gain at the 50% inclusion rate. Fixed October 8, 2026. | CRA technical interpretation 2023-0967941I7 |
| Bitcoin vs gold vs S&P 500 answers | Growth, Sharpe, and one-year answers that contradicted the page's own table | Recomputed from the page's own calendar-year table | The comparison page |
FBTC, BTCX.B, and IBIT fees are still shown as originally published and may be management fees rather than full MERs. Check each fund's ETF Facts before you buy.
Where to start
If you are new here, read the Playbook first. If you already hold Bitcoin and want to know whether it sits in the right account, open the tools.