Cash flow forecasting
A rolling thirteen-week and twelve-month forecast built from your actual ledger, updated monthly, so funding gaps appear months before they arrive.
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AdvisoryThe decisions worth having are the ones made before year-end.
Compliance tells you what happened. Advisory changes what happens next — but only if the underlying books are clean and the conversation happens while the options are still open.
What is included
Everything in scope, listed plainly.
Included in your fixed monthly fee. If something falls outside it, we tell you before the work starts, not after.
Incorporation and structure
Whether and when to incorporate, holding companies, and keeping access to the small business deduction on the first $500,000 of active business income.
Owner compensation
Salary versus dividends, RRSP room, CPP, and the TOSI rules that decide how family members can be paid. The mix that decides how much of your profit you actually keep.
Budget versus actual
Monthly variance reporting with written commentary. Not a spreadsheet dump — an explanation of what moved and what to do.
Margin and pricing review
Unit economics, product and customer profitability, and the pricing changes that move the number fastest.
Virtual CFO
Board and lender reporting, financing models for BDC or bank applications, covenant tracking and a direct line to a senior advisor between meetings.
Worth knowing
Year-end planning, done in the third quarter
Most tax planning is only available before the year closes. We run a planning review with every advisory client in the third quarter: projected position, salary and dividend mix, timing of capital purchases and CCA, RRSP and FHSA room, and any elections that need making. By the time the return is prepared, the decisions are already behind us.
Talk it through on a call
Twenty minutes, no cost, and a written scope within one business day.
Questions
Common questions.
Anything not covered here, ask on the call. There is no charge for questions.
Do I need advisory if my books are clean?
Not necessarily. Advisory earns its fee when there is a decision in front of you: hiring, expanding into a new province, incorporating, raising money, restructuring or selling.
Is this tax advice?
We provide tax planning and structuring guidance within our professional scope, in writing, specific to your situation. Anything requiring a legal opinion is referred to counsel.
How often do we meet?
Quarterly for advisory engagements, monthly for virtual CFO, and whenever a decision comes up in between. Fixed fees mean unscheduled calls are not billed.
Other service lines
Next step
Want this handled?
Book a call. We will scope the work, quote a fixed monthly fee and put it in writing within one business day.