Case Study 1
$34,500 Cut From The Annual Tax Bill — Financial Planning Practice, Kawartha Lakes
A financial planning practice in Kawartha Lakes, Ontario was filing correctly and still overpaying because of instalments still calculated on a year the business had long outgrown. Restructuring the position cut $34,500 from the annual bill.
A financial planning practice in Kawartha Lakes, Ontario was compliant but paying more than it needed to. The prior year had been filed correctly and still left instalments still calculated on a year the business had long outgrown on the table. We modelled the current position against the alternatives before changing anything, then rebuilt the sales ledger by customer location, applied the correct place-of-supply rate to each stream, and filed the adjusted HST returns. The change saved $34,500 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 2
$60,000 Proposed Adjustment Withdrawn In Full — Data Analytics Consultancy, Kawartha Lakes
A data analytics consultancy in Kawartha Lakes, Ontario faced a $60,000 proposed reassessment after 13% HST charged on every sale regardless of where the customer was located. We rebuilt the documentation and the adjustment was withdrawn in full.
A data analytics consultancy in Kawartha Lakes, Ontario received a proposal letter opening a review of its on tax and accounting file. The CRA had identified 13% HST charged on every sale regardless of where the customer was located and proposed an adjustment of $60,000, with 30 days to respond. We treated the response as an evidence exercise rather than an argument. We recalculated the corporate tax at the 12.2% combined small business rate and rebased the instalments on the current year, then indexed every supporting document against the specific line the auditor had questioned. The proposed adjustment was withdrawn in full — all $60,000 of it. The file closed in 5 weeks with no change to the assessed amounts and no penalty.
Case Study 3
Intergenerational Transfer Completed With $600,000 Deferred — Recruitment Firm, Kawartha Lakes
A family transfer at a recruitment firm in Kawartha Lakes, Ontario would have been fully taxable because of no valuation on file to support the price the parties had agreed. Restructuring deferred $600,000.
A generational transfer at a recruitment firm in Kawartha Lakes, Ontario had been discussed for years without a plan. No valuation on file to support the price the parties had agreed meant the transfer as contemplated would have been fully taxable. We registered the provincial payroll account, caught up the outstanding remittances, and applied for relief on the penalty, sequencing the steps so each one was complete and documented before the next depended on it. $600,000 of tax was deferred through the transfer, and the successor generation took over a corporation whose records stood up to review.
Case Study 4
Holding Structure Added, $70,000 Saved Annually — Pharmacy, Kawartha Lakes
A pharmacy in Kawartha Lakes, Ontario needed a holding structure to deal with a provincial payroll levy that had never been registered for or remitted. The reorganisation was tax-neutral and removed $70,000 of annual exposure.
A pharmacy in Kawartha Lakes, Ontario was carrying a provincial payroll levy that had never been registered for or remitted, and every option for fixing it ran through a reorganisation that had to be done without triggering tax. Working with the client's lawyer, we assessed and claimed Ontario Innovation Tax Credit alongside the federal return and prepared the elections, resolutions and valuations the structure needed to stand up. The structure now matches the business. Annual saving of $70,000, and the reorganisation itself was tax-neutral.
Case Study 5
Filed On Time From A Standing Start, $145,000 Penalty Avoided — Textile Manufacturer, Kawartha Lakes
A textile manufacturer in Kawartha Lakes, Ontario was 7 weeks from a deadline while carrying sector-specific exposure the previous accountant had not seen before. Filing complete and on time avoided roughly $145,000 in penalties.
A textile manufacturer in Kawartha Lakes, Ontario came to us 7 weeks before its filing deadline with sector-specific exposure the previous accountant had not seen before. A late filing would have triggered a penalty of roughly $145,000 before interest. We worked backwards from the deadline. We assessed and claimed Ontario Made Manufacturing Investment Tax Credit alongside the federal return, prioritising the items that actually gated the filing and deferring everything that did not. The return was filed on time and complete. The $145,000 penalty never arose, and the compliance calendar we set means the next deadline is scheduled rather than discovered.
Case Study 6
Remittance Schedule Corrected, $36,000 Refunded — Boutique Law Firm, Kawartha Lakes
Remittances at a boutique law firm in Kawartha Lakes, Ontario were chronically late because of instalments still calculated on a year the business had long outgrown. Fixing the schedule refunded $36,000.
Remittances at a boutique law firm in Kawartha Lakes, Ontario were consistently late by a few days, which was enough to trigger penalties every quarter. Behind it sat instalments still calculated on a year the business had long outgrown. We rebuilt the sales ledger by customer location, applied the correct place-of-supply rate to each stream, and filed the adjusted HST returns, then moved the remittance dates into a scheduled process rather than a monthly decision. Penalties stopped from the following remittance onwards, and $36,000 of overpaid instalments was refunded.