6 Financial Projections 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 projections work, not a general example.
Case Study 1 · Records and systems rebuilt
Books Rebuilt From Source, $10,000 In Unclaimed Input Tax Found — Fast-Growing E-Commerce Brand, Winnipeg
A fast-growing e-commerce brand in Winnipeg, Manitoba could not answer basic questions about its own numbers, because an owner making hiring decisions on last quarter’s bank balance sat between the bank statements and the ledger.
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, then documented the process so the work does not depend on any one person remembering how it was done.
The result
Records rebuilt and reconciled, $10,000 recovered in input tax credits that the old file could not support, and a documented monthly process now in place.
Case Study 2 · Sale and succession
Share Sale Restructured, $830,000 Less Tax On Closing — Professional Practice Adding Partners, Kitchener
Client: A professional practice adding partners · Where: Kitchener, Ontario · Engagement: 7 weeks, fixed fee
Tax saved on closing$830,000
PriceAs agreed
Post-closing adjustmentsNone
The situation
A professional practice adding partners in Kitchener, Ontario was preparing to sell. Due diligence surfaced a single shareholder holding every share, with no room to multiply the exemption, which would have reduced the price or killed the deal outright.
What we did
We cleaned up the historical file, rebuilt the reporting around gross margin by service line, which showed two of five offerings were losing money at the current price, and prepared the due-diligence package the buyer's advisers actually asked for.
The result
The deal closed at the agreed price. $830,000 of tax was saved against the structure originally proposed, with no post-closing adjustment.
Case Study 3 · Cash and remittance control
$76,000 Of Working Capital Freed From The Tax Cycle — Construction Company Bidding Larger, Toronto
Client: A construction company bidding larger contracts · Where: Toronto, Ontario · Engagement: 6 weeks, fixed fee
Working capital freed$76,000
On-time remittancesEvery period since
Forecast horizon13 weeks
The situation
A construction company bidding larger contracts in Toronto, Ontario was profitable on paper and short of cash every month. Revenue up 40% year over year and a bank balance that kept falling explained most of the gap.
What we did
We modelled the covenant ratios monthly and restructured the debt before the next test date rather than after it and built a thirteen-week cash view so tax payments stopped competing with payroll for the same dollars.
The result
$76,000 was released back into working capital. Remittances have been on time every period since, and the forecast shows the tax outflow before it lands.
Case Study 4 · Backlog brought current
$96,000 Of Arbitrary Assessments Vacated After 4 Years — Subscription Business Tracking Churn, Halifax
Client: A subscription business tracking churn · Where: Halifax, Nova Scotia · Engagement: 11 weeks, fixed fee
Arbitrary tax vacated$96,000
Years brought current4
Account statusCurrent
The situation
4 years of unfiled returns had turned into notional assessments at a subscription business tracking churn in Halifax, Nova Scotia, with pricing set by feel, with no visibility into margin by service line underneath. Collections had already started.
What we did
We produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted, then filed every outstanding year in chronological order so the CRA could vacate the notional assessments cleanly.
The result
All 4 years were accepted as filed. $96,000 of arbitrarily assessed tax was vacated, collections action stopped, and the account is current for the first time in 4 years.
Case Study 5 · Planning that cut the bill
$39,500 Cut From The Annual Tax Bill — Distributor Entering a Second, Windsor
Client: A distributor entering a second province · Where: Windsor, Ontario · Engagement: 4 weeks, fixed fee
First-year saving$39,500
RepeatsAnnually
Filing positionUnchanged in risk
The situation
A distributor entering a second province in Windsor, Ontario was compliant but paying more than it needed to. The prior year had been filed correctly and still left a covenant breach discovered only when the bank called on the table.
What we did
We modelled the current position against the alternatives before changing anything, then built a rolling thirteen-week cash-flow model, tightened collections, and renegotiated supplier terms so the growth stopped consuming the bank balance.
The result
The change saved $39,500 in the first year and repeats annually. Nothing about the filings became more aggressive; the position is simply the one the rules already allowed.
Case Study 6 · Structure rebuilt
Holding Structure Added, $71,000 Saved Annually — Clinic Group Acquiring a, Mississauga
Client: A clinic group acquiring a competitor · Where: Mississauga, Ontario · Engagement: 7 weeks, fixed fee
Annual saving$71,000
ReorganisationTax-neutral
StructureMatches operations
The situation
A clinic group acquiring a competitor in Mississauga, Ontario was carrying an owner making hiring decisions on last quarter’s bank balance, and every option for fixing it ran through a reorganisation that had to be done without triggering tax.
What we did
Working with the client's lawyer, we rebuilt the reporting around gross margin by service line, which showed two of five offerings were losing money at the current price and prepared the elections, resolutions and valuations the structure needed to stand up.
The result
The structure now matches the business. Annual saving of $71,000, and the reorganisation itself was tax-neutral.
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.
