If you're just spitballing with your friend then that might be common-sense.No. Question 1 is common sense. If someone offers you a job at $120 K a year plus benefits and company Mercedes don't think you're going to have $10 K a month for mortgage and groceries. Once I clarified the claims code I could tell him if he needed $XX,XXX in his hand He has to make XX% more to cover what the government expects as their share.
All I wanted was confirmation of the CRA claims code and I would go to the tax tables and advise him of some rough numbers. Does he need to work more than 40 hours a week or raise his rates?
If you stated some version of this in your conversation with the CRA agent, it difficulty for them not to interpret it as some kind of attempt at soliciting tax-planning advice. Not much of what you've stated has to do with claim codes.
The CRA agent cannot confirm for you whether your friend's TD1 is correct/factual, it's up to your friend to check off the boxes that are relevant to them and add up the sum, and then find the claim code on the tax tables that fits that sum. The CRA agent may be able to advise you on whether a specific circumstance can fit one of the boxes, even then that would be hearsay as the CRA agent does not have access to your B & Rs to verify the veracity of the stated circumstance. Also, if you thought the CRA has a copy of your TD1, then you're mistaken. The form is to be submitted by an employee to their employer for the purposes of determining income tax deductions from remuneration only, and is not filed to the CRA, so there is no record of your "claim code" on file.
If you asked the CRA agent some version of "what claim code does my friend need to use on $xxxxx income in order to have $yyyyy after tax income", then it's a question they cannot answer, as that is a value that only your friend can determine. They cannot "approve" a claim code for your friend to use achieve a certain net income level. I think the agent was being kind to you to refer you to your accountant to have a discussion about your financial planning, as questions on "how much money do I need to make to have XYZ" is not within the scope of the CRA agent.