Case Study 1
Remuneration Review Saved $34,000 Across Corporate And Personal Returns — Plastics Moulder, Mississauga
A remuneration review at a plastics moulder in Mississauga, Ontario found a provincial payroll levy that had never been registered for or remitted and saved $34,000 across the corporate and personal returns.
Nothing was wrong at a plastics moulder in Mississauga, Ontario — the filings were on time and accurate. What they were not was planned. A provincial payroll levy that had never been registered for or remitted had never been reviewed. We assessed and claimed Ontario Innovation Tax Credit alongside the federal return, and ran the numbers across both the corporate and personal returns so the saving was real rather than deferred into someone else's hands. $34,000 came off the combined corporate and personal tax bill, and the structure holds for future years without further work.
Case Study 2
$13,500 Credit Claim Filed And Accepted Without Adjustment — Data Analytics Consultancy, Mississauga
A data analytics consultancy in Mississauga, Ontario had never tested its work against the eligibility rules. The resulting $13,500 claim was accepted without adjustment.
A data analytics consultancy in Mississauga, Ontario assumed the credits did not apply to a business its size. Ontario incentives claimed by competitors and never by this business meant they had applied all along. We identified the qualifying activity, built the documentation to support it, and rebuilt the sales ledger by customer location, applied the correct place-of-supply rate to each stream, and filed the adjusted HST returns. $13,500 recovered. Because the eligibility analysis is on file, the same claim can be repeated each year with a fraction of the effort.
Case Study 3
Reorganisation Completed Tax-Deferred, $60,000 Saved Each Year — Private Lending Business, Mississauga
A private lending business in Mississauga, Ontario had outgrown its structure, with out-of-province sales billed at the ON rate instead of the customer’s the visible cost. The reorganisation completed tax-deferred and saves $60,000 a year.
A private lending business in Mississauga, Ontario had outgrown the structure it started with. Out-of-province sales billed at the ON rate instead of the customer’s was the immediate problem; the longer-term one was that the structure blocked the next step. We mapped the current structure, modelled the target, and registered the provincial payroll account, caught up the outstanding remittances, and applied for relief on the penalty — with the tax-deferred elections filed on time and the supporting valuations documented. The reorganisation completed without triggering tax, and the new structure saves approximately $60,000 a year while removing the exposure the old one carried.
Case Study 4
Books Rebuilt From Source, $10,500 In Unclaimed Input Tax Found — Textile Manufacturer, Mississauga
The ledger at a textile manufacturer in Mississauga, Ontario could not support its own filings because of sector-specific exposure the previous accountant had not seen before. Rebuilding it surfaced $10,500 in unclaimed input tax.
A textile manufacturer in Mississauga, Ontario could not answer basic questions about its own numbers, because sector-specific exposure the previous accountant had not seen before sat between the bank statements and the ledger. We assessed and claimed Ontario Made Manufacturing Investment Tax Credit alongside the federal return, then documented the process so the work does not depend on any one person remembering how it was done. Records rebuilt and reconciled, $10,500 recovered in input tax credits that the old file could not support, and a documented monthly process now in place.
Case Study 5
Growth Handled Without A Missed Filing, $66,000 Freed — Family Medicine Clinic, Mississauga
Scaling exposed 13% HST charged on every sale regardless of where the customer was located at a family medicine clinic in Mississauga, Ontario. The back office was rebuilt to match, freeing $66,000.
A family medicine clinic in Mississauga, Ontario was opening in a second province — different filing obligations, a different payroll regime, and 13% HST charged on every sale regardless of where the customer was located already in the file. We recalculated the corporate tax at the 12.2% combined small business rate and rebased the instalments on the current year and put monthly reporting in place so the owner could see the cash effect of growth while there was still time to act on it. Growth was absorbed without a compliance failure. $66,000 of cash was released, and the monthly reporting now flags a problem while it is still small.
Case Study 6
Intergenerational Transfer Completed With $770,000 Deferred — Architecture Studio, Mississauga
A family transfer at an architecture studio in Mississauga, Ontario would have been fully taxable because of passive assets sitting inside the operating company, disqualifying the shares. Restructuring deferred $770,000.
A generational transfer at an architecture studio in Mississauga, Ontario had been discussed for years without a plan. Passive assets sitting inside the operating company, disqualifying the shares meant the transfer as contemplated would have been fully taxable. We assessed and claimed Ontario Innovation Tax Credit alongside the federal return, sequencing the steps so each one was complete and documented before the next depended on it. $770,000 of tax was deferred through the transfer, and the successor generation took over a corporation whose records stood up to review.