We provide full-service corporate tax filings, bookkeeping, and CRA compliance support for Midwives & OB/GYNs in Canada. Our team handles direct tax filings, payroll coordination, and financial statement compilation to optimize your business operations.
By partnering with us, you work with tax accountants who understand the specific tax deductions, government credits, and bookkeeping nuances of the Midwives & OB/GYNs niche.
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Accounting for midwives and OB/GYNs in Canada: Tax Filings Canada handles exempt-supply treatment, practice payroll and your professional corporation T2, at a fixed fee.
Everything starts with your documents — send what you have and we will sort it.
We build the midwives & ob/gyns file carefully, matching your records line by line.
The draft comes back to you for a proper look, not a rushed signature.
When you say go, we file it and follow up with the confirmation.
| Factor | Tax Filings Canada | Typical Firm |
|---|---|---|
| Pricing model | Fixed, flat fee | Hourly / unpredictable |
| Payment | Pay after service | Upfront retainer |
| Price match | Yes, on written quotes | Rarely |
| CRA audit support | Included | Billed extra |
| Typical turnaround | 3-5 business days | 2-4 weeks |
Midwifery and obstetric care are exempt health services, so no GST/HST is charged and no input tax credits are recoverable on the practice's costs. The distinctive accounting issue is funding structure rather than sales tax: midwifery practices are frequently funded through provincial programs and practice groups that share overhead, and cost-sharing arrangements must be documented properly so shared expenses are allocated to the right practitioner's return.
Owners in the midwives & ob/gyns sector tend to ask us the same handful of questions, in roughly the same order. That repetition is useful: it tells a tax specialist exactly where the sector's confusion lives, and these notes start there.
Before anything else, one rule sets the frame. A small corporation still carries the full compliance set: T2, GST/HST, payroll, and the annual return with the incorporating jurisdiction. The annual corporate return is separate from the T2 and is the one most often forgotten, which can lead to administrative dissolution.
The next point is the one a tax specialist checks before quoting any timeline: An expense is deductible where it was incurred to earn income and is reasonable in the circumstances. The business-use portion must be supported, which for vehicles means a logbook. The CRA rarely argues that an expense category is wrong; it argues that the proportion claimed was never substantiated.
You do not have to take the sector expertise on faith. The fee is agreed in advance, the finished work goes to you for review first, and payment follows your sign-off — an arrangement we can offer because midwives & ob/gyns files hold few surprises for us anymore.
Accounting for Midwives & OB/GYNs is a specialist job because the CRA treats this part of the healthcare sector differently. These are the rules that actually change the number at the bottom of the return.
Associate agreements are examined for whether the associate is truly independent; getting it wrong makes the clinic liable for unremitted CPP, EI and source deductions.
Locum arrangements are contracts for service, and paying a locum without a written agreement or a business number invites a worker-classification review.
Regulatory college dues, professional liability protection and mandatory continuing medical education are deductible; the cost of the initial qualification is not.
Clinical equipment generally falls in Class 8 at 20%, while computers and diagnostic software sit in Class 50 at 55% — the classification decides how fast the cost comes back.
A medical professional corporation files its T2 within six months of year-end; provincial rules on who may hold shares differ by college and change what income splitting survives TOSI.
Practitioners who bill provincial health insurance receive payment statements that must reconcile to reported revenue — mismatches are the single most common CRA query in this sector.
Tax on split income has closed most family dividend planning, but a spouse genuinely working in the practice can still be paid a reasonable salary for real work performed.
Because passive income above $50,000 grinds the small business deduction, a practice retaining profit needs its investment portfolio structured with that threshold in mind.
Our team works these rules year-round for Midwives & OB/GYNs, so the planning happens before year-end rather than being explained afterwards.
Specialized Healthcare sector compliance, bookkeeping, and tax planning for Midwives & OB/GYNs.
Providing tailored Midwives & OB/GYNs tax filing and planning to reduce liabilities, maximize refunds, and ensure CRA compliance.
100% risk-free Midwives & OB/GYNs tax filing with clear pricing, no hidden fees, plus support for personal taxes, small business accounting, and bookkeeping.
From bookkeeping to corporate audits, protect your Midwives & OB/GYNs business with CRA compliance and expert cross border tax strategies.
We use advanced accounting software for seamless Midwives & OB/GYNs bookkeeping, payroll, and small business tax filing.
Risk-Free, Hassle-Free, and Client-First!
Schedule a Free ConsultationTax Filings Canada has been recognized by national and international news platforms for our trusted, fixed-fee tax filing and virtual bookkeeping services. Read what the major publications have to say about our innovative financial solutions.
"Tax Filings Canada makes professional accounting accessible for small businesses with fixed-fee models."
"A trusted financial partner helping startups navigate complex CRA tax compliance and T2 corporate filings."
We provide a comprehensive accounting ecosystem so you can focus on operational execution.
Tailored compliance, tracking, and tax solutions for Midwives & OB/GYNs businesses.
Tailored compliance, tracking, and tax solutions for Midwives & OB/GYNs businesses.
Tailored compliance, tracking, and tax solutions for Midwives & OB/GYNs businesses.
Tailored compliance, tracking, and tax solutions for Midwives & OB/GYNs businesses.
Tailored compliance, tracking, and tax solutions for Midwives & OB/GYNs businesses.
Tailored compliance, tracking, and tax solutions for Midwives & OB/GYNs businesses.
Tailored compliance, tracking, and tax solutions for Midwives & OB/GYNs businesses.
Transparent, fixed-fee Midwives & OB/GYNs pricing with zero hidden fees. Pay only after your Midwives & OB/GYNs work is completed and filed.
T2 returns for Medical Professional Corporations (MPCs), mixed-billing exemptions, and CRA professional audits defense.
T5013 returns for healthcare partnerships, clinic cost sharing, associate payout structures, and partner K-1 allocations.
T3010 filings for medical foundations, clinic trust accounts, NPO hospital setups, and financial compliance audits.
T3 trust returns, corporate tax-free dividend flow, physician succession planning, and family trust allocations.
Monthly ledger reconciliations, Jane App / Oscar EMR billing integrations, associate fee splits tracking, and clinic overhead cost tracking.
Corporate compilation engagement report for clinic finance loans, professional balance sheet compilations, and trial balance updates.
T1 filings for physicians and associates. Inclusions: medical professional expenses, travel logs, and professional corporation flowthrough.
Audit of tax-exempt clinical services vs retail medical sales, Input Tax Credit (ITC) optimization, and Netfile submissions.
See how our expert Midwives & OB/GYNs tax and accounting services have helped Canadian businesses save money and stay compliant.
A $107,000 reassessment landed at a chiropractic clinic in Regina, Saskatchewan. It rested on industry-specific reporting obligations nobody had flagged. The objection was allowed in full.
A chiropractic clinic in Regina, Saskatchewan had been reassessed for $107,000. 21 days were left on the objection deadline. The reassessment rested on industry-specific reporting obligations nobody had flagged. We filed the objection inside the deadline with a complete submission rather than a placeholder. Alongside it, we aligned the reporting calendar with the sector’s own seasonal cycle rather than a generic year-end. The appeals officer allowed the objection in full. $107,000 was reversed and the account returned to a nil balance.
6 years of filings at a psychology practice in Moncton, New Brunswick had never claimed the incentives the work qualified for. The review recovered $13,500.
A psychology practice in Moncton, New Brunswick had been filing for 6 years. In that time, the incentives its activity qualified for were never claimed. Behind that sat sector incentives that had never been tested against midwives & OB/GYNs activity. We tested each activity against the eligibility criteria rather than the description on the invoice. Then we reassigned the asset classes on the CCA schedule and corrected the opening balances. $13,500 in credits claimed, with the open prior years adjusted as well. The claim passed review without adjustment.
Remittances at a veterinary hospital in Toronto, Ontario were chronically late. It came down to equipment and asset classes assigned by guesswork rather than the CCA schedule. Fixing the schedule refunded $88,000.
Remittances at a veterinary hospital in Toronto, Ontario were consistently late by a few days. That was enough to trigger penalties every quarter. Behind it sat equipment and asset classes assigned by guesswork rather than the CCA schedule. We rebuilt the chart of accounts around how a midwives & OB/GYNs business actually earns and spends. Then we moved the remittance dates into a scheduled process rather than a monthly decision. Penalties stopped from the following remittance onwards, and $88,000 of overpaid instalments was refunded.
An optometry practice in Ottawa, Ontario had outgrown its structure. The visible cost was a previous accountant with no experience of this sector. The reorganisation completed tax-deferred and saves $48,000 a year.
An optometry practice in Ottawa, Ontario had outgrown the structure it started with. A previous accountant with no experience of this sector was the immediate problem. The longer-term one was that the structure blocked the next step. We mapped the current structure and modelled the target. Then we reviewed every sector-specific deduction against the current rules and claimed the ones that had been missed. The tax-deferred elections were filed on time and the supporting valuations documented. The reorganisation completed without triggering tax, and the new structure saves approximately $48,000 a year while removing the exposure the old one carried.
A physiotherapy group in Saskatoon, Saskatchewan faced a $47,000 proposed reassessment. It came after a chart of accounts that told the owner nothing about midwives & OB/GYNs margin. We rebuilt the documentation and the adjustment was withdrawn in full.
A physiotherapy group in Saskatoon, Saskatchewan received a proposal letter opening a review of midwives & OB/GYNs accounting and tax. The CRA had identified a chart of accounts that told the owner nothing about midwives & OB/GYNs margin. It proposed an adjustment of $47,000, with 30 days to respond. We treated the response as an evidence exercise rather than an argument. We documented the positions to the standard the CRA applies to this sector specifically. We then indexed every supporting document against the specific line the auditor had questioned. The proposed adjustment was withdrawn in full — all $47,000 of it. The file closed in 5 weeks with no change to the assessed amounts and no penalty.
13 months of records at a family medicine clinic in Kitchener, Ontario had never been reconciled. That left seasonal revenue reported without matching the costs that produced it. Rebuilding recovered $20,500.
Nothing reconciled at a family medicine clinic in Kitchener, Ontario. Every filing started with 13 months of cleanup. The file was carrying seasonal revenue reported without matching the costs that produced it. We rebuilt from source rather than correcting on top of the existing file. We aligned the reporting calendar with the sector’s own seasonal cycle rather than a generic year-end. Then we set the routine that keeps it clean. 13 months reconciled to the bank. The close now takes 6 days, and $20,500 of previously unclaimable input tax was recovered in the process.
Our Partners Are Alumni of the World's Top Medical & Corporate Tax Institutions
CA (ICAI), CA (MIA), CPA Canada (In-Depth Tax Program)
Cross-border tax for businesses and individuals, after a Big 4 career at Ernst & Young and Deloitte.
CPA (Canada), CPA (USA), CA (India)
US and Canadian returns prepared together, so relief is claimed once.
CPA (Canada), CA (India)
Fractional CFO work for businesses operating in Canada and India.
CA (India)
Payroll remittances and GST/HST returns, each filed on its own schedule.
FCA (India)
UAE and India residence, treaty positions, and transfer pricing work since 2014.
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Direct answers to what Canadian business owners actually ask before hiring an accountant.
Registration is mandatory once taxable revenue exceeds $30,000 over four consecutive quarters. Registering voluntarily below that threshold is often worthwhile, because it lets you recover input tax credits on startup and equipment purchases.
Incorporation usually pays off once profit consistently exceeds what you draw personally, because retained earnings are taxed at the small business rate rather than your marginal rate. Below that point the added compliance cost often outweighs the benefit. We model both before you decide.
The CRA requires six years of books and records from the end of the tax year they relate to: invoices, receipts, bank statements, payroll records and contracts. Digital copies are acceptable provided they are legible and complete.
We run the cycle, remit source deductions on schedule, and issue T4s ahead of the February deadline. Late remittances draw a penalty of up to 10% and repeat lateness raises it to 20%, so timing is the whole game. See our payroll service.
Yes. We work in QuickBooks, Xero, Wave, Sage, spreadsheets, and plain scanned documents. You are not required to migrate systems to become a client, and we never charge a conversion fee.
Multi-province operations allocate taxable income by permanent establishment and payroll, and sales tax rules differ by jurisdiction. We handle the allocation schedules and the differing GST, HST, PST and QST obligations in one engagement.
Registration becomes mandatory once taxable supplies pass $30,000 over four consecutive calendar quarters, and the obligation starts almost immediately rather than at the next year-end. Registering voluntarily below that threshold is often worthwhile when you are buying equipment, because it makes the tax on those purchases recoverable.
Six years from the end of the tax year the records relate to. That covers invoices, receipts, bank statements, payroll records and the working papers behind the return. Records supporting the purchase of a capital asset must be kept six years past the year the asset is finally sold.
Our Pay After Service model means you review and approve all deliverables before making any payment. We prepare your returns or financial files, you review them, and only then do you pay. This ensures 100% satisfaction.
If you find a lower verified quote from another accounting firm in Canada for the same scope of services, we will match it immediately. Simply provide a verified quote.
We support completely secure digital uploads via our client portal, or you can email them to us. We support files from QuickBooks, Xero, Excel, and scan/photo documents.
An income tax specialist answers this differently than a search engine, because the rule has edges. Accrued but unbilled revenue belongs in income in the year the work was performed. Deferring it to the invoice date understates taxable income and is a standard reassessment adjustment. Where your business sits relative to those edges is what we establish in the first meeting.
There is a widespread assumption here, and the actual position is worth stating plainly. Shareholder loan balances must be repaid within one year of the corporation’s following year-end. If they are not, the amount is included in the shareholder’s personal income under subsection 15(2). If your current setup was built on the assumption instead of the rule, that is fixable — but sooner is better than later.
The questions Canadians actually search on this topic, answered plainly. Browse every question in the Canadian tax answers directory.
Contact your municipality’s tax or revenue office and ask for a reissued bill; most cities also let you view and pay it in an online property tax account set up with your roll number. Not receiving the bill does not cancel the obligation or stop late-payment charges, so ask for the amount and due dates straight away. Update your mailing address, and check whether your lender already pays the tax through your mortgage.
Property tax is an annual charge a municipality levies on real estate to fund local services such as roads, water, policing, fire and schools. A provincial assessment authority values the property, council sets a tax rate in its budget, and the bill is the assessed value multiplied by the rate for your property class. Unpaid amounts stay attached to the property itself. It is separate from income tax, so the city bills it, not the CRA.
A real CRA agent will ask you to confirm identifying details, including your social insurance number, once you have called them or after they reach you about a known file. What the CRA does not do is demand your SIN, banking details or a payment over a call you were not expecting, threaten arrest, or ask for gift cards or crypto. If a call feels wrong, hang up and phone the CRA back on a number from canada.ca.
Rent paid is not deductible on the federal return. Relief comes instead through provincial credits claimed on the provincial form filed with your T1, such as Ontario's energy and property tax credit, Manitoba's renters credit and Quebec's solidarity tax credit, each with its own residency and income tests. Rent is deductible only as a business or employment cost: the work-space-in-the-home share on a T2125, or with an employer-signed form where an employee is required to work from home.
Your municipality sets that, not the CRA. Most Canadian municipalities issue an interim bill and a final bill each year, each payable in one or more instalments, and many also offer a monthly pre-authorised plan spread across the year. If your mortgage lender pays the tax on your behalf, you contribute a portion with each mortgage payment instead. Your tax bill or your municipality's website lists the exact instalment dates for your property.
That figure is your payroll deduction rate, not a tax bracket. Canada's federal rates for 2026 start at 14% and rise through 20.5%, 26% and 29% to 33%, and what leaves your cheque blends federal and provincial tax with CPP at 5.95% and EI at $1.63 per $100 of insurable earnings for 2026. Payroll also annualises each cheque, so a bonus or overtime period is taxed as if every period looked the same. Filing squares it up.
Reviewed and fact-checked by Udit Gupta
Ex Big 4 — Ernst & Young, Deloitte · Director, cross-border tax expert · CPA Canada (In-Depth Tax Program) · Chartered accountant, ICAI & MIA
Udit Gupta, a Director of Tax Filings Canada and a cross-border tax expert, has over 15 years of experience helping corporations and business owners with corporate structuring, corporate tax filing, bookkeeping, payroll, GST/HST, cross-border tax and CRA representation. He is Big 4 trained, at Ernst & Young and Deloitte, and qualified as a chartered accountant in India and again in Malaysia. Since 2014 he has worked with entrepreneurs, startups and non-resident business owners across Canada. View full member bio.
The Institute of Chartered Accountants of India — member 521458 · Malaysian Institute of Accountants — member CA 44667 · Ex Big 4: Ernst & Young, Deloitte · CPA Canada (In-Depth Tax Program), completed 19 Dec 2023 · In-Depth GST/HST Part I, 12 Jul 2022 · Part II, 5 Jul 2023
Editorial policy. Every page is researched against primary sources — the Income Tax Act, CRA publications and CPA Canada guidance — and every rate or threshold is stated with the tax year it applies to.
Sources. CRA — Businesses · Income Tax Act (Justice Laws Website)
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