6 Financial Planning and Analysis tax and accounting engagements in full — what the client came to us with, what we did, and what it was worth. Each one is specific to financial planning and analysis work, not a general example.
Case Study 1 · Structure rebuilt
Corporate Structure Rebuilt For $37,000 Of Annual Savings — Fast-Growing E-Commerce Brand, Regina
The structure at a fast-growing e-commerce brand in Regina, Saskatchewan had been set up years earlier for a business that no longer existed, and an owner making hiring decisions on last quarter’s bank balance had become expensive.
What we did
We built a rolling thirteen-week cash-flow model, tightened collections, and renegotiated supplier terms so the growth stopped consuming the bank balance. The reorganisation used the rollover provisions rather than a taxable transfer, so no tax fell due on the restructuring itself.
The result
$37,000 of annual saving, achieved on a tax-deferred basis. The minute book, elections and valuations are all in the file.
Case Study 2 · Scaling without breaking
Second-Province Expansion Handled, $65,000 Of Cash Released — Manufacturer Planning a Plant, Moncton
Client: A manufacturer planning a plant expansion · Where: Moncton, New Brunswick · Engagement: 3 weeks, fixed fee
Cash released$65,000
New registrationsComplete on day one
Compliance gapsNone
The situation
Revenue at a manufacturer planning a plant expansion in Moncton, New Brunswick was up sharply and cash was tighter than ever. Underneath it sat a growth plan with no forecast behind it and no financing lined up.
What we did
We produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted. Every new obligation — registration, remittance frequency, provincial filing — was set up before it was triggered, not after.
The result
$65,000 of cash was released from the working capital cycle, and the expansion completed with every registration and filing obligation covered from day one.
Case Study 3 · Objection and relief
Desk-Review Assessment Of $132,000 Vacated — Mid-Sized Professional Services Firm, Toronto
Client: A mid-sized professional services firm · Where: Toronto, Ontario · Engagement: 4 weeks, fixed fee
Assessment vacated$132,000
Supporting recordsNow on file
AccountCleared
The situation
A mid-sized professional services firm in Toronto, Ontario was carrying $132,000 of penalties and interest arising from revenue up 40% year over year and a bank balance that kept falling, much of it accumulated during a period the CRA itself had delayed.
What we did
We modelled the covenant ratios monthly and restructured the debt before the next test date rather than after it and framed the relief application on the specific grounds the CRA guidelines recognise rather than on general hardship.
The result
The assessment was vacated. $132,000 came off the account, and the documentation now on file makes the same position straightforward to defend next time.
Case Study 4 · CRA review defended
Audit Defence Closed In 7 Weeks, $101,000 Cleared — Family Business Planning Succession, Ottawa
Client: A family business planning succession · Where: Ottawa, Ontario · Engagement: 7 weeks, fixed fee
Proposed tax cleared$101,000
Review duration7 weeks
OutcomeNo change
The situation
A family business planning succession in Ottawa, Ontario was selected for review after pricing set by feel, with no visibility into margin by service line showed up in the CRA's automated matching. The proposed adjustment on financial planning and analysis came to $101,000.
What we did
We rebuilt the reporting around gross margin by service line, which showed two of five offerings were losing money at the current price. Every figure in the response traced to a source record the auditor could verify without asking a second question.
The result
The review closed with no change. $101,000 of proposed tax came off the table, and the documentation now in place makes the next review a short one.
Case Study 5 · Deadline rescue
8-Week Turnaround Beat The Deadline And Saved $120,000 — Technology Company Preparing to, Saskatoon
Client: A technology company preparing to raise · Where: Saskatoon, Saskatchewan · Engagement: 8 weeks, fixed fee
Late-filing penalty avoided$120,000
Filed with14 days to spare
Next yearPapers ready
The situation
With the deadline for financial planning and analysis weeks away, a technology company preparing to raise in Saskatoon, Saskatchewan was carrying a covenant breach discovered only when the bank called. The exposure if the date slipped was around $120,000.
What we did
We built a rolling thirteen-week cash-flow model, tightened collections, and renegotiated supplier terms so the growth stopped consuming the bank balance. The filing went in complete rather than provisional, so there was no amended return to follow.
The result
Filed with 14 days to spare. $120,000 in late-filing penalties avoided, and the working papers are ready for the following year.
Case Study 6 · Missed incentive claimed
$83,000 In Credits Claimed That Prior Filings Had Missed — Clinic Group Acquiring a, Kitchener
Client: A clinic group acquiring a competitor · Where: Kitchener, Ontario · Engagement: 11 weeks, fixed fee
Credits claimed$83,000
Years adjusted5
Review outcomeNo adjustment
The situation
A clinic group acquiring a competitor in Kitchener, Ontario had been filing for 5 years without ever claiming the incentives its activity qualified for. Behind that sat a covenant breach discovered only when the bank called.
What we did
We tested each activity against the eligibility criteria rather than the description on the invoice, then produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted.
The result
$83,000 in credits claimed, with the open prior years adjusted as well. The claim passed review without adjustment.
Reviewed for the 2025 tax year by Udit Gupta, Certified Tax Accountant. Figures describe representative engagements of this type; outcomes depend on your own facts. Client names and identifying details are omitted for confidentiality.
