CPA, CMA Designated·Fractional CFO ServicesServing Small Business Owners Across Ontario
Serving small businesses across Canada
You're running a business. Let's make sure the numbers run with you.
Tax planning, bookkeeping and cash flow for small business owners who want real answers, not a wall of jargon.
No obligation. No jargon. Just answers to the questions that keep you up at night.
Sound familiar?
- I'm profitable on paper, but always tight on cash, why?
- Should I incorporate, and am I paying too much tax right now?
- What can I actually deduct, home office, vehicle, phone?
- Do I need to register for HST, and did I miss the window?
Services
What I help small business owners with.
Tax planning
Salary vs. dividends, installments, deductions, and year-end strategies that actually move the needle.
Try the tax savings quizBusiness structure
Sole prop vs. corporation vs. holding company straight advice on what fits where you are now.
Bookkeeping & compliance
HST registration, record-keeping that holds up, and catch-up filing if you've fallen behind.
Check HST registrationCash flow & planning
Why profit and cash don't match, and how to make pricing and hiring decisions with confidence.
See where cash is goingGrowth & exit planning
Valuation, succession, retirement, and selling your business in the most tax-efficient way.
How it works
A simple, no-pressure way to start.
- 01
Book a free call
Thirty minutes. No prep needed just bring your questions and whatever's on your mind.
- 02
Get a clear picture
I review your current setup, identify gaps, and tell you plainly where you stand.
- 03
Work together on a plan
Ongoing advisory, a one-time project, or full-service support whatever actually fits.
About
About Devin
Most business owners didn't start their company because they love spreadsheets. They started it because they're good at what they do and somewhere along the way, the financial side became the part that keeps them up at night.
That's exactly where I come in.
I'm Devin O'Brien, CPA, CMA, and I've spent over 15 years working inside companies at every stage from early-stage startups to national brands like Loblaw and Bell Mobility. I've built finance functions from the ground up, managed teams across accounting and operations, and sat alongside founders and managing partners to help them understand what their numbers are actually telling them.
For the past three years, I've been running DVO Financial Consulting, bringing that same level of expertise directly to small business owners in Ontario. Whether you're trying to get a handle on cash flow, figure out the right business structure, stay on top of bookkeeping and compliance, or plan for real growth. I work with you to build a clear picture of where you are and a practical path to where you want to be.
What I've found is that most small business owners don't need more reports. They need someone who can read between the lines and tell them what to actually do. That's what I do.
Based in Guelph. Working with small business owners across Canada.
Contact us
Let's talk about your business.
DVO Financial partners with small business owners from coast to coast. Whether you're in British Columbia, Ontario, Quebec, the Maritimes, or anywhere in between, we work virtually with clients across Canada, and in person when we're nearby.
Send a note with what's on your mind. We'll get back to you personally within one business day, whether that's booking a free 30-minute call or answering a quick question by email.
Resources
Quick answers to the questions I get asked most.
Salary vs. Dividends Optimizer
Find the right mix for your Ontario corporation in minutes. See how each strategy affects your combined corporate and personal tax bill.
Open the toolTax Savings Estimate Quiz
Answer 6 quick questions about your business and see where your biggest tax savings opportunities are hiding.
Take the quizBusiness Financial Health Scorecard
Rate yourself across cash flow, tax, structure, compliance, and growth readiness. See your score and where to focus first.
Get your scoreDo I Need to Register for HST?
A quick 2-minute checker that tells you exactly whether HST registration applies to your Ontario business — and what to do next.
Check my statusWhy Doesn't My Profit Match My Cash?
Enter your numbers and see exactly where your cash is going — and the single biggest lever you can pull this month.
See my cash gap
Written and reviewed by Devin O'Brien, CPA, CMA
Founder, DVO Financial Consulting · Guelph, Ontario
15+ years in financial operations and small business advisory.
Learn more about Devin →