Updated July 20, 2026 | Author profile

Ryan Billings

Ryan Billings is the writer behind StockScreener.ca. An independent Canadian investor, he got tired of guessing which account a stock or ETF belongs in, so he built a tool and a library of guides that work it out from the actual rules.

Every guide is researched from primary sources like the CRA, the Department of Finance, and issuer fund documents, with dated figures and a clear note when the answer depends on your situation. StockScreener.ca is educational and independent. It is not investment, tax, or legal advice, and Ryan is not a licensed advisor. The goal is to help you ask better questions before you talk to one.

What Ryan covers

Ryan writes about the account and tax mechanics that can change how a Canadian investor evaluates a stock or ETF after deciding it belongs in a broader plan.

• Canadian account location across TFSA, RRSP, FHSA, RESP, and taxable accounts
• Canadian-listed and US-listed ETFs, including fund-wrapper differences
• Canadian dividends, foreign income, and withholding-tax mechanics
• Contribution room, adjusted cost base, superficial losses, and related recordkeeping
• Practical brokerage mechanics such as CAD-to-USD conversion

How the research works

Each guide starts with the specific decision a reader is trying to understand. Research then moves to current primary sources, including CRA guidance, federal tax rules, issuer factsheets, regulatory material, exchange notices, and official broker documentation where relevant.

Figures that can change are tied to an as-of date. Material claims link to their source. Where the answer depends on a fund wrapper, broker handling, tax return, or personal circumstances, the guide says so instead of forcing a universal conclusion.

Read the full editorial standards and research methodology for the sourcing floor, financial-safety rules, review process, and corrections approach.

Selected guides

• Canadian stock account location: TFSA vs RRSP vs taxable
• VFV vs VOO, XEQT, and QQQ by account
• Foreign withholding tax across TFSA, RRSP, and taxable accounts
• Unused TFSA and RRSP contribution room
• Canada's superficial loss rule
• ETF distributions and adjusted cost base