Accounting & Tax Advisory
Considered answers to real questions — before decisions are made, not after.
Advice, not just compliance
Filing accurately is table stakes. The larger value of working with a CPA is having someone who knows your numbers and can think alongside you: Should I incorporate? How should I pay myself this year? Can I afford this hire? What does this contract do to my taxes? What should the business look like in three years?
Our advisory work is deliberately practical. No packaged products, no theatrical projections — just clear analysis of your actual situation, the options in front of you, and a recommendation we are willing to stand behind.
The questions we help answer
- Structure — sole proprietorship versus incorporation, holding companies, and when restructuring is worth the cost
- Compensation — salary and dividend mix, family remuneration, and RRSP/TFSA coordination
- Tax planning — timing income and expenses, using losses well, and planning around life events like a home purchase or a business sale
- Business health — margins, pricing, cash flow rhythm, and the numbers to watch monthly
- Transitions — buying or selling a business, bringing in a partner, or winding down cleanly
How advisory works with us
Some clients need a single focused session before a decision; others want a standing quarterly review of results and priorities. Both are available. Advice is grounded in your real books and returns — which is why advisory pairs naturally with our bookkeeping and year-end work — and it is delivered in plain language, in writing, so you can act on it.
What's included
- Incorporation and business structure analysis
- Owner compensation planning — salary, dividends, and timing
- Personal and corporate tax planning through the year
- Cash flow and margin reviews with practical benchmarks
- Support for major decisions: hiring, purchasing, expansion
- Guidance through business purchase, sale, or wind-down
- Written recommendations you can act on
Common questions about accounting & tax advisory
Should I incorporate my business?
Incorporation offers tax deferral, liability separation, and income flexibility — but it adds real annual costs and only pays off in the right circumstances, usually when you earn more than you spend personally. We run the analysis with your actual numbers and give you a direct recommendation, including “not yet” when that is the honest answer.
What does a typical advisory engagement look like?
It ranges from a single session on a specific question — incorporation, a compensation decision, a contract's tax implications — to quarterly reviews where we look at results and plan ahead. After an initial conversation we will propose a scope that fits the decision you are facing.
Is tax planning legal? Where is the line?
Arranging your affairs to pay no more tax than the law requires is entirely legitimate. The line is misrepresentation — claiming things that did not happen or structures with no substance. Our planning stays firmly on the right side: durable strategies that survive CRA scrutiny, documented properly.
Do I need to be a bookkeeping or tax client to get advisory help?
No — we take on standalone advisory engagements. That said, advice is only as good as the numbers behind it, so if your records need work we will say so first. Clients who combine advisory with our bookkeeping and year-end services get the most value, because we already know their numbers.
Let's put your finances in order.
Book a consultation and speak directly with a CPA about your situation — no obligation, no pressure, just a clear conversation about what you need.