Tax Services for Individuals & Companies

Every Canadian resident files a T1. What varies is how complicated yours is and how much is being left on the table.

We prepare returns for employees, retirees, students, investors, landlords, and newcomers. That means employment income and T4s, but also investment income and capital gains, rental income and expenses, pension splitting, foreign income and the T1135 foreign property form, medical and tuition credits, moving expenses, and support payments.

We also handle the returns nobody wants to talk about: several years unfiled, a return that was filed wrong, or a CRA reassessment that arrived without warning. None of these are as bad as they feel, and all of them get worse if you wait.

Every incorporated business in Canada files a T2 within six months of its fiscal year end, whether or not it made money.

We prepare corporate returns for small and medium businesses: the T2 itself, the required financial statement schedules (GIFI), capital cost allowance, the small business deduction, shareholder loans, and the T5 and T4 slips that go with paying yourself.

The part that matters more than the filing is the structure behind it. How you take money out of your company — salary, dividends, or a mix — changes your total tax bill, your RRSP room, and your CPP contributions. That decision should be made in advance, not discovered afterward.

Tax planning is the work of arranging your affairs, legally, so that less tax is owed. It happens during the year, not after it.

For individuals, that means timing RRSP contributions to land in your highest-income years, using a spousal RRSP where there's an income gap between partners, realizing capital gains or losses in the right calendar year, planning the order in which you draw retirement income, and timing large purchases or sales around your tax brackets.

For business owners, it means choosing the right compensation mix, timing equipment purchases and expenses, planning your fiscal year end, considering income splitting where the rules permit it, and looking ahead to the eventual sale of the business.

The common thread is that all of it has to happen before December 31. A tax planner in April is a historian.

Strategy is planning applied over years rather than months — the structural decisions that shape your lifetime tax bill rather than this year's return.

That includes deciding whether to incorporate and when; how to hold investments across registered and non-registered accounts so the tax-inefficient ones sit in shelters; how to draw down RRSP, TFSA, non-registered, CPP and OAS in retirement in the order that minimizes tax and avoids OAS clawback; how to structure a business sale to make use of the lifetime capital gains exemption; and how to pass assets to the next generation without triggering avoidable tax on death.

These aren't decisions you revisit annually. They're decisions worth getting right once.

Wealth planning is where tax, investments, insurance, and estate considerations stop being separate conversations.

We build a single picture: what you own, what you owe, what's coming in, what's going out, what's protected and what isn't. From there we work out what your money needs to do — fund a retirement, educate children, support a parent, survive a business downturn, transfer to heirs — and what has to be true for it to do those things.

The output is a written plan with numbers in it, not a set of good intentions. And it gets revisited, because plans built on assumptions from three years ago tend to quietly stop being true.

Sometimes you don't need a service, you need an answer.

Should I incorporate this year or wait? What happens to my taxes if I sell the rental? Can I claim a home office? Do I have to report the account I still have overseas? My employer offered a bonus in December — should I ask them to defer it? Is my side income a business or a hobby as far as the CRA is concerned?

We answer these questions on their own, without requiring you to sign up for anything else. If the answer is short, it's often free. If it's the kind of question that needs real analysis, we'll tell you that upfront and quote it before we start.