6 worked Vaughan case studies — the position a client typically comes to us with, what we do, and what it is worth. Each is an illustrative example built on the rules that apply to Vaughan and its provincial tax regime, not a specific client's file.
Case Study 1 · Planning that cut the bill
$34,500 Saved By Correcting What Prior Filings Had Missed — B2B SaaS Company, Vaughan
Client: A B2B SaaS company · Where: Vaughan, Ontario · Engagement: 6 weeks, fixed fee
Saving identified$34,500
RecurringYes
Positions documentedAll
The situation — A B2B SaaS company, Vaughan, Ontario
A B2B SaaS company in Vaughan, Ontario asked for a second opinion on its ON tax and accounting file. That followed three years of rising tax. The review found sector-specific exposure the previous accountant had not seen before.
What we did for A B2B SaaS company, Vaughan, Ontario
We built the comparison first: current structure against two alternatives. Then we assessed and claimed Ontario Made Manufacturing Investment Tax Credit alongside the federal return.
The result — A B2B SaaS company, Vaughan, Ontario
First-year saving of $34,500, with the same benefit recurring. Every position taken is documented and supported in the file.
Client: A psychology practice · Where: Vaughan, Ontario · Engagement: 3 weeks, fixed fee
Annual saving$21,500
ReorganisationTax-neutral
StructureMatches operations
The situation — A psychology practice, Vaughan, Ontario
The structure at a psychology practice in Vaughan, Ontario needed fixing. The file was carrying instalments still calculated on a year the business had long outgrown. Every option for fixing it ran through a reorganisation that had to be done without triggering tax.
What we did for A psychology practice, Vaughan, Ontario
We worked with the client's lawyer. Together, we rebuilt the sales ledger by customer location, applied the correct place-of-supply rate to each stream, and filed the adjusted HST returns. We also prepared the elections, resolutions and valuations the structure needed to stand up.
The result — A psychology practice, Vaughan, Ontario
The structure now matches the business. Annual saving of $21,500, and the reorganisation itself was tax-neutral.
Case Study 3 · Scaling without breaking
Scaled To 27 Staff With $144,000 Of Working Capital Freed — Insurance Brokerage, Vaughan
The situation — An insurance brokerage, Vaughan, Ontario
An insurance brokerage in Vaughan, Ontario was growing fast, with headcount reaching 27 in eighteen months. The back office had not kept up. 13% HST charged on every sale regardless of where the customer was located was the first thing to break.
What we did for An insurance brokerage, Vaughan, Ontario
We recalculated the corporate tax at the 12.2% combined small business rate and rebased the instalments on the current year. We built the compliance calendar for the size the business was becoming rather than the size it had been.
The result — An insurance brokerage, Vaughan, Ontario
The business reached 27 staff with no missed remittance and no late filing. $144,000 of working capital was freed in the process.
Case Study 4 · Objection and relief
$39,000 Of Penalties And Interest Cancelled On Relief — Land Development Company, Vaughan
Client: A land development company · Where: Vaughan, Ontario · Engagement: 3 weeks, fixed fee
Penalties and interest cancelled$39,000
Relief groundsAccepted
AssessmentAdjusted to filed position
The situation — A land development company, Vaughan, Ontario
An assessment of $39,000 landed at a land development company in Vaughan, Ontario following a desk review. It turned on out-of-province sales billed at the ON rate instead of the customer’s. The auditor had not seen the records behind it.
What we did for A land development company, Vaughan, Ontario
We registered the provincial payroll account, caught up the outstanding remittances, and applied for relief on the penalty. We then set out the legislative basis for the position alongside the documents supporting it.
The result — A land development company, Vaughan, Ontario
$39,000 of penalties and interest was cancelled under the taxpayer relief provisions, and the underlying assessment was adjusted to match the filed position.
Case Study 5 · CRA review defended
$46,000 Proposed Adjustment Withdrawn In Full — Plastics Moulder, Vaughan
The situation — A plastics moulder, Vaughan, Ontario
A plastics moulder in Vaughan, Ontario received a proposal letter opening a review of its ON tax and accounting file. The CRA had identified a provincial payroll levy that had never been registered for or remitted. It proposed an adjustment of $46,000, with 30 days to respond.
What we did for A plastics moulder, Vaughan, Ontario
We treated the response as an evidence exercise rather than an argument. We assessed and claimed Ontario Innovation Tax Credit alongside the federal return. We then indexed every supporting document against the specific line the auditor had questioned.
The result — A plastics moulder, Vaughan, Ontario
The proposed adjustment was withdrawn in full — all $46,000 of it. The file closed in 5 weeks with no change to the assessed amounts and no penalty.
Case Study 6 · Deadline rescue
$53,000 Late-Filing Penalty Cancelled On Relief Application — Concrete and Forming Crew, Vaughan
Client: A concrete and forming crew · Where: Vaughan, Ontario · Engagement: 10 weeks, fixed fee
Penalty cancelled$53,000
Relief applicationGranted
ReturnAccepted as filed
The situation — A concrete and forming crew, Vaughan, Ontario
A concrete and forming crew in Vaughan, Ontario had already missed one deadline and was about to miss a second. Behind it sat sector-specific exposure the previous accountant had not seen before. A penalty of $53,000 was accruing.
What we did for A concrete and forming crew, Vaughan, Ontario
We split the work into what had to happen before the deadline and what could follow it. Then we assessed and claimed Ontario Made Manufacturing Investment Tax Credit alongside the federal return.
The result — A concrete and forming crew, Vaughan, Ontario
The outstanding return was accepted as filed, and the taxpayer relief application cancelled $53,000 of the penalty already assessed on the earlier year.
Reviewed by Udit Gupta, Founder and Tax Accountant for the 2025 tax year. These case studies are illustrative worked examples composed from the CRA rules that apply to this type of work, not specific client files; figures are representative and outcomes depend on your own facts.
