Tab 4
Income Disclosure: Tax Returns, Notices of Assessment, and Pay Stubs
The agreement contains a binding statement that both of you have exchanged full income information. This tab is where you record that you have done that.
What full disclosure means
You give the other party copies of all your tax returns, NOAs, and pay stubs. You actually look at theirs, not just claim to have seen them. Either side can ask follow-up questions and get honest answers. If something looks unusual — a big deposit, a missing year, a business with no apparent income — you ask about it.
Why this matters more than people think
If full disclosure did not happen, the agreement can be challenged later. Years later. Someone can come back in 2030 and say "they did not show me their 2025 tax return, they were hiding $80K in side income, this whole agreement should be set aside." Doing disclosure cleanly now means the agreement is much harder to attack later.
What to share
Last 3 years of T1 tax returns (the full return, not just the front page). Most recent Notice of Assessment (confirms CRA's view of your income). Recent pay stubs (proves current monthly income). Business financials if self-employed (last 3 years of statements).
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