Services
Financial services for Ontario small business owners.
Every engagement is CPA-led and priced flat — either a monthly retainer or a fixed project fee. No surprise hourly bills. All work is done remotely with clients across Ontario.
Tax Planning & Preparation
Proactive tax strategy for incorporated and sole-proprietor businesses.
We plan your tax position throughout the year — not just at year-end. That means salary-versus-dividend optimization, RRSP and TFSA coordination, income splitting where legally available, HST filings, and full T1/T2 preparation. If you're incorporated in Ontario, we model your combined personal + corporate tax so you take home the most after tax.
Incorporation Advisory
Should you incorporate, and how do you do it right?
Not every business benefits from incorporation. We run the numbers on your specific situation — expected profit, personal draw needs, liability exposure, professional restrictions — and give you a plain-English recommendation. If we do incorporate, we handle the setup: articles, share structure, minute book, HST/payroll registration, and a clean bookkeeping foundation from day one.
Bookkeeping Systems
Numbers you can actually trust and use.
Whether you keep books in-house or want us to manage them, we set up (or clean up) a system in QuickBooks Online or Xero that reconciles monthly, categorizes correctly for Ontario tax rules, and produces reports you can read without a translator. Bookkeeping is the foundation of every other decision — we treat it that way.
Cash Flow Management
Know exactly what's coming in, going out, and what's safe to spend.
Profitable businesses go under from cash flow problems every day. We build a 13-week rolling cash flow forecast, identify the gap between revenue and receivable timing, and set operating targets — minimum cash buffer, owner draw limits, tax-savings account — so you never get surprised by a CRA installment or a slow month.
Financial Forecasting & Growth Planning
A budget and forecast that actually gets used.
For owners planning a hire, a new location, equipment financing, or an exit — we build a 12- to 36-month financial model tied to your real operations. You'll see the break-even on that new hire, the cash timing on that equipment purchase, and how each decision moves your after-tax take-home.
HST/GST Registration & Compliance
Register at the right time. File without stress.
The $30,000 small supplier threshold is only part of the picture. We advise on voluntary early registration (often a good idea for B2B), quick-method versus regular filing, and set up a clean process for collecting, remitting, and claiming input tax credits.
Not sure where to start?
Book a free 30-minute call and we'll walk through your situation together.
Book a free call