---
title: "Is a TFSA (CELI) Shared in a Quebec Divorce? ✦ Goldwater Droit"
canonical_url: "https://goldwaterdroit.com/en/faqs/is-a-tfsa-celi-shared-in-a-quebec-divorce"
last_updated: "2026-09-15T21:57:25.700Z"
locale: en
meta:
  description: "In Quebec, a TFSA isn't family patrimony under art. 415 C.c.Q. If funded during the marriage from acquests it's shared; from private property, it differs."
  "og:description": "In Quebec, a TFSA isn't family patrimony under art. 415 C.c.Q. If funded during the marriage from acquests it's shared; from private property, it differs."
  "og:title": "Is a TFSA (CELI) Shared in a Quebec Divorce?"
---

# Is a TFSA (CELI) shared in a Quebec divorce?

A TFSA (CELI) is not treated as a retirement plan under article 415 of the Civil Code of Québec, so it is not part of the family patrimony and is not subject to that mandatory equal split. Instead, it is classified under your matrimonial regime. Under the default partnership of acquests, money placed in a TFSA during the marriage out of your earnings or other acquests is generally an acquest and shared in value on dissolution, whereas amounts derived from private property—such as a pre-marriage asset or an inheritance kept separate—may retain that private character. The key question is usually the source of the funds. Because tracing the source can be technical, TFSA balances are worth reviewing carefully rather than assumed to be automatically in or out.

Civil Code of Québec, art. 415 (a TFSA is not a retirement plan, so not family patrimony) Civil Code of Québec, arts. 448–450 (acquests under the partnership of acquests)