Julie's Blog

Julie's Blog

We are pleased to provide a variety of resources on accounting, taxation and other related subjects that we hope will be helpful to both individuals and businesses.

Have a question that isn’t answered here or in our Quick Tools Resources to the right, we can help. Simply contact us by email or give us a call at 705-445-8493. We would be happy to meet with you for a no-obligation consultation.

Joint Accounts with Family Members

It can make sense to have a joint bank account or investment account with a parent in many circumstances.  Some reasons to have a joint account may include:

Probate fees – Probate can be time consuming and costly, during which the assets in question are frozen.  Technically, adding a child to an investment account would not make the joint account exempt from probate, but it would prevent freezing of the account which would allow the sale and transfer of the assets within the account, thus leaving nil to be probated.

Mental Deficiencies – If a parent were to suffer from dementia or any other disease that would disable them from cognitive decision-making, giving signing authority to a child would allow them to continue paying bills and handling the parent’s money on their behalf. 

Travelling - If a parent decides to go off and enjoy their golden years by exploring the wonders of the world, having a child with signing authority on account will allow them to ensure the parent’s financial commitments here at home are still being kept up (ie. property taxes, utilities etc.) are still being paid and kept current.

In adding a child to a parent’s bank or investment account, there are also some important considerations that need to be looked at.

The biggest consideration is that the parent’s control over these accounts can be lost and the child has access to all of their funds regardless of their ability to manage fiscal responsibility.

If the child were to get divorced or be forced into filing for bankruptcy, the account may be exposed to the settlement of these two unfortunate circumstances hence compromising the security of mom or dad’s funds.

From a tax perspective, careful thought needs to be exercised when transferring mom or dad’s assets into a joint account with someone other than their spouse as it could give rise to capital gains. 

Lastly, if the child on the account is contributing their own personal funds into the account, there could be a problem upon the death of the parent in determining how much of the account balance would be or should be shared with other beneficiaries (ie. Siblings.)

In conclusion, it’s important to understand all of the above implications and ensure you are making an informed decision when considering joint account options.  Please feel free to contact us if you have any questions with respect to joint accounts.

Continue reading
567 Hits

Local Business Spotlight: Collingwood Fine Cars

We believe in small business. And without a strong network of other entrepreneurs and small business owners to work alongside, it would be rather lonely work. Lucky for us, the Collingwood area has a thriving small business community and we look forward to profiling those we've had the pleasure of interacting with in this space.

Collingwood Fine Cars - Steve Gendron

Collingwood Fine Cars - Steve GendronCollingwood Fine Cars specializes in automotive repairs and servicing to German engineered cars, specifically Mercedes, Audi/VW, Porsche and BMW. Owner/Operator Steve Gendron has dealer experience in high end vehicle repair, offers a clean, modern facility with plenty of parking and prides himself on spending the time needed to repair a vehicle properly and honestly. Collingwood Fine Cars is a great alternative to commuting to the city where dealers are typically located; and their clients appreciate the friendly professional service they receive.

Collingwood Fine Cars opened in Collingwood in June 2015 and has been slowly growing its client base while working hard to maintain personalized service for each and every customer. Steve loves running a business in Collingwood as it allows him to be close to home, to work in a community-minded environment where clients value a small business approach.

We wish you all the best in your business venture Steve!

Collingwood Fine Cars
http://collingwoodFineCars.ca
This email address is being protected from spambots. You need JavaScript enabled to view it.
Phone: 705-444-1115

Continue reading
934 Hits
0 Comments

Perspective on The New Government

With the lengthy election now over, I’m sure all of us Canadians are happy to get back to life as we know it, although it will be interesting times when the House reconvenes. Justin Trudeau and the Liberals have made some election promises that could significantly impact Canadian taxpayers, so we thought we would provide a quick overview of what may lie ahead.

Tax Bracket Changes

Trudeau has vowed to cut taxes from 22% to 20.5% for the middle tax bracket which are those with taxable incomes between $44,701-89,401. Conversely, tax increases are on the horizon for individuals earning more than $200,000 annually. The proposed legislation would see a 4% tax increase from 29% to 33% for those taxpayers.

Tax-Free Savings Accounts (TFSA)

Remember the increase in annual contribution limits that the Progressive Conservatives introduced earlier this year? They increased the annual limit from $5,500/year up to $10,000.

The Liberal government has plans to nix this increase and resume the annual contribution limit of $5,500. The logistics of how and when they will make this change remains to be seen. There is discussion that they could potentially make the change retroactive to 2015, but such a move will create an administrative nightmare and frustration for the Canadian taxpayers who opted to increase their 2015 contributions when the limit increase was announced.

Universal Child Care Benefit (UCCB)

At present, the UCCB provides taxable cheques of $160/month for children under six and $60/month for children ages 6-17. The Liberals promise to replace the UCCB with a new benefit that will be tax-free and income-tested. Thoughts are this new Canada Child Benefit will be of benefit to Canadian families.

Education Tax Credits

Presently, there is a federal non-refundable tax credit for education and textbooks in addition to the tuition tax credit. The Liberals plan to replace these credits with an increase in non-repayable grants, which they feel will better target students from low and middle-income families.

Justin Trudeau’s election platform was one of “Real Change” with a focus on providing more support to middle income families in Canada.The Party also talks of corporate income tax reforms as well, so it sounds like there is change in the air.

If you have any questions regarding any of these changes, don’t hesitate to contact us to discuss how they may impact your particular situation.

Continue reading
802 Hits
0 Comments

Upcoming Changes to the Taxation of Estates and Trusts

Estates and Trusts are subjects most clients don’t truly understand in terms of the implications and responsibilities related to handling an estate & it’s beneficiaries . There are some upcoming changes to the taxation of estates and trusts – here is a brief primer on how these work and what changes to be aware of.

Once we leave from this earth, a testamentary trust is established (ie. The Estate of John Doe) and in some cases, people have opted to establish multiple trusts in order to accommodate their chosen beneficiaries and individual circumstances. All of our assets pass to this trust(s) on death and then are distributed to all of our beneficiaries by our designated executor based upon our wishes covered in our will. We can’t stress it enough – please make sure you have a will and it is up to date.

From a tax filing perspective, we file a personal income tax return for the calendar year up until the day we pass. Thereafter, if there are income generating assets remaining in a trust (even for a short period of time until given to a beneficiary), a trust return is required to be filed for the estate in order to report the income earned and assess any related income taxes. These trust returns are required to be filed annually up until such a time as all income generating assets are transferred out of the trust’s ownership. We have had several clients who have accepted the role of executor for loved ones and are unaware of this requirement.

Historically, testamentary trusts were taxed based on graduated tax rates for all filing years, exactly the same as individuals (ie. the more income you earned, the higher the marginal tax rate.) We are sad to say this all changes on January 1st, 2016. The Canada Revenue Agency is now initiating a change that will permit only one trust per taxpayer to qualify for these graduated tax rates and only for a 36-month period following death. This legislation presumes that this timeline will, in the majority of cases, allow adequate time for executors to appropriately disperse and settle estate assets.

After that time period has passed, any income generated from testamentary trusts will be taxed at the highest tax bracket which nears 50% at present. There is an exception to this rule if the trust is established for a beneficiary who is a disabled relative.

You may now be asking….how does this change impact me? Let’s give you a couple of examples to ponder. This change will impact anyone who has identified their desire to have multiple trusts created upon their passing as only one of them qualifies for the graduated tax rates. What if you have three children and your will presently states that there will be a separate trust formed for each child upon your death? Which child’s trust will get the graduated rate and which two will be paying tax at the highest tax bracket if they want to keep the assets in the trust? You can see how these changes can give rise to some family discourse down the road. We would suggest being proactive and although no one likes to discuss and review their will, it could save some family conflicts after you are gone. Ensure you review your will and consider amending it if it currently makes mention of multiple trusts being created upon your death.

Also, for those who committed to a friend or family member to be their executor upon passing, take heed of this change and the 36-month time line. Three years sounds like plenty of time to settle one’s estate, but sometimes there are roadblocks encountered that add to this process whether it be time to process through probate, delays in the collection of life insurance proceeds for one reason or another and in some cases court proceedings that crop up out of the woodwork as remaining friends and relatives dispute estate distributions. This timeline adds a further degree of pressure for executors to act in the best interest of the estate and ensure that as much of the estate’s proceeds are distributed as intended without the tax man getting an unexpected share.

This change can also impact bequests to registered charities after your death and the tax benefits of doing so. The new trust and estate taxation rules present a more flexible tax treatment provided the transfer to the qualified charity is done within this 36-month timeline.

There are transitional provisions for testamentary trusts already in existence and vary depending upon the date of death. We can help guide you through those provisions should they apply to you.

As we say, knowledge is power and we hope that passing along the information regarding this legislative change as part of Bill C-43 has been helpful to you. If you require any further information as to how these changes may impact your personal circumstances, please feel free to contact us.

Continue reading
806 Hits
0 Comments

Changes to RRIF Withdrawal Minimums

Once we turn 71 years old, all RRSP accounts held need to be transferred to RRIFs.  Beginning the year after the RRIF is established, there are minimum amounts that all taxpayers need to withdraw on an annual basis.

In June 2015, new legislation was passed lowering the minimum RRIF withdrawal.  This change was implemented in order to account for the current investment rates of return, rates of inflation and the fact that the population in general is living longer.  The change will permit more funds to remain in the account and result in more income accumulation.

If you are a 71 year old RRIF annuitant and had a $100,000 in your account, under the old rules, you would be required to withdraw $7,380 or 7.38%.  Under the new rules, you are now required to withdraw $5,280 or 5.28%.  The withdraw rates for subsequent years are also reduced accordingly.

Keep in mind, the withdrawal amounts are only the minimum required and you could always opt to withdraw more.If you are an annuitant and withdrew your minimum RRIF amount for calendar 2015 earlier in the year and under the old requirements, CRA is permitting you to re-contribute the excess if you so choose.From an income tax perspective, you will receive a T4 RIF for the total amount withdrawn and an offsetting contribution slip that will both have to be filed on your 2015 tax return.

If you have any questions about these changes, please contact us.

Continue reading
739 Hits
0 Comments

Planning for Retirement – how to maximize your income for the future

It is important to remember that with each passing year, we come closer to retirement. We tend to focus on the current commitments like making our regular mortgage payments and put off future planning until tomorrow…and then tomorrow never comes.

The maximum Canada Pension and Old Age Security benefits you can receive in retirement are typically less than $20,000 annually. Remember, that figure is based on taxpayers who earned enough during their working years in order to maximize their CPP contributions each year. Many Canadian taxpayers are not in that position and therefore will receive less benefits.

So what are our options in saving for retirement? In Canada, we presently have two savings alternatives that allow you to earn income on a tax-free basis and accumulate a nest egg to live on down the road. Both have different rules and are good choices for different circumstances.

Our two options are: the age-old Registered Retirement Savings Plan (RRSP) or the recently created (2009) Tax Free Savings Account (TFSA).

RRSPs

RRSP contributions are tax deductible (reduces your taxable income) in the year that they are made. Your investment then attracts income inside the RRSP and when you make a withdrawal, both the original investment and any earnings withdrawn are taxable in that year. The amount you can contribute to your RRSP depends upon the amount of income earned on qualifying income such as employment earnings. Unused contribution room from previous years carry forward. If you make a withdrawal, your contribution room does not refresh itself - it is permanently gone.

Investing in RRSPs is a good option if you have a higher level of income in any tax year. The contribution will help to offset some of the current year’s tax obligation. This approach can be advantageous if you anticipate being in a lower tax bracket in the year you intend on withdrawing the funds. For example: save tax at a high rate in contribution year, pay tax on the income at a lower tax rate all the while earning investment income compounding on a tax-free basis during the years in between.

TFSAs

The TFSA account allows you to make annual contributions of up to $10,000 based on the 2015 Economic Action plan released on April 24, 2015 (which is pending parliamentary approval.) If you’ve not yet contributed to a TFSA, your total accumulated room is $41,000 based on the past contribution limits and the proposed increase. Remember, this is the total amount of principal you are permitted to invest. As you earn returns on this investment, the balance in your account will continue to grow. The benefits with a TFSA are that you can withdraw your funds at any time without any tax implications and your contribution room replenishes itself on January 1st of the year following the withdrawal. Again, investment income is earned tax-free just like the RRSP. This vehicle can be useful if you are in a lower tax bracket and thus the tax savings of an RRSP contribution may not be worthwhile given the lack of flexibility on withdrawals and contributions without tax consequences and erosion of contribution room. For some people, the TFSA’s flexibility may pose a disadvantage in that the funds are more accessible and therefore can be withdrawn on a whim.

If you will have significant income in your retirement years from sources such as a workplace pension plan or unregistered investments, RRSP balances and withdrawals should be carefully considered. You have to convert an RRSP to a Registered Retirement Income Fund (RRIF) by the end of the year in which you turn 71. The year following, you are required to make minimum annual withdrawals and the percentage of your RRIF you must withdraw increases each year.

This is where it is very important to plan properly. In some cases, it may make some sense to withdraw some of your RRSP monies prior to when the minimum withdrawal amounts come into force. This approach will better enable you to manage the amount of taxable income you might have and avoid being taxed in higher tax brackets or have some or all of your OAS benefits clawed back. After all, you’ve worked hard for your money, so let’s try to ensure you don’t give any more of it than necessary to the government.

We work with several clients to effectively plan out a strategy based on their specific needs, income levels, lifestyle expectations and many other factors. Given all of the considerations, it is worth your while to talk to a qualified professional to gain an understanding of what approach may be the best option for you.

Plan now. Don’t put it off. The sooner you can get a strategy in place (and balance planning for the future with present day commitments) the sooner you can reap the benefits of your hard work.

 

Continue reading
895 Hits
0 Comments

Record Keeping for Small Business Owners

Unless you’re a small business owner in the business of accounting, chances are you didn’t start your business with a tailor-made record keeping solution at the ready. Or perhaps even the know-how to set one up. Or even know what you needed!

There are several options available to the small business owner:

  • The shoe-box
  • The accordion file or folder system
  • A spreadsheet or series of spreadsheets
  • Accounting software

Here are some of the pros and cons of each option:

The Shoe-box

At the outset, this is certainly the easiest method. Just throw all of your receipts in a box throughout the year. The downside: you have no idea where you stand financially throughout the year. Also, someone is eventually going to have to sort and compile the receipts into a format ready for tax filing. If you pay for someone – whether it is a bookkeeper or accountant –to sort and summarize all of these receipts, this approach can become quite costly.

The accordion file or folder system

This approach can help cut down on some of the work encountered in the shoe box method as you are sorting the receipts as you put them into their respective folder or slot throughout the year. There can still be costs involved in tallying up the receipts at year end if you are unable to do so yourself. Again, similar to the shoebox method, you don’t have a system through which to assess how your business is doing until the time at which all of the receipts are totaled and income is summarized.

A spreadsheet or series of spreadsheets

This methodology naturally involves the use of computer software, often Excel, so it does require some computer knowledge. Once the template for a spreadsheet is constructed, however, the spreadsheet can be used year after year. We will sometimes be engaged by clients or consult with them on setting up a spreadsheet as there can be significant cost savings at tax preparation time if we have input into the layout.

With a spreadsheet, you can assess how your business is performing throughout the year with a few calculations. The other benefit of a spreadsheet is if you are an HST registrant and file more frequently than annually, a spreadsheet can help you extrapolate the necessary calculations for these filings throughout the year.

Accounting software

There are many software options on the market. Quicken is a cash flow software, but some proprietors may like this option as you can typically download your bank account transactions from your banking institution, which expedites the revenue or expense allocations. This software is not recommended if you need to track balances such as HST obligations, inventory, payroll etc.

Very popular accounting software programs today are Sage and QuickBooks. In recent years, QuickBooks appears to have become more popular, but both programs are fairly easy to use. There is a learning curve to both, however, and we would recommend taking a course to familiarize yourself if you are new to accounting. The old saying still holds true: garbage in, garbage out. If you purchase software like this and just start entering data without knowing exactly how things work, it could lead to significant problems.

One of the many benefits of using accounting software is the cost savings over the previously mentioned alternatives when it comes to tax preparation time. You would provide either a data backup or printed reports, which we would use to prepare your tax filings. Yes, it does require data entry, but you are able to assess what your income is year to date, track monies due from your customers, purchases you have to pay, HST and payroll obligations, inventory, your capital assets that you’ve purchased, etc. You can usually buy these packages for a few hundred dollars, but the level of information at your fingertips can help you assess areas of your business and grow with you.

There are several other software products available that have more complex capabilities, but for the small business, these options mentioned above are cost-effective and will work alongside your business as it grows.

Which option is right for you? Making the right decision at the onset is very important. We recommend to all of our clients that you come in and discuss all of the viable options available, as what might be the right choice for one business may not be appropriate for another. We pride ourselves on being able to guide the small business owner in making the right choice when it comes to record keeping.

Continue reading
940 Hits
0 Comments

Meet the Team: Julie Ford

Hi! I'm Julie Ford. In future blog posts we will profile other members of the team and some other professional colleagues we admire. But let's start with me, since my name's on the stationary. Here's a little about me (that you won't find in my formal bio) and why I love what I do.

I’m a Collingwood native. Rick, my husband, and I love all that our wonderful area has to offer our children, Lauren who is 14 and Nolan who is 10. I attended York University and have a BA in Economics, an MBA, my Certified Financial Planner designation and I am a member of the Chartered Professional Accountants of Ontario as a Licensed Public Accountant. I’ve been practicing public accounting for a little under two decades and love doing what I do.

I first got into accounting (not surprisingly) as I was naturally attracted to finance and math; but what I get out of being in this industry is far more fulfilling than I had ever anticipated. In a nutshell, I love helping people. Just the same as my nursing friends love caring for those of us that are sick, I love helping people with their financial health.

My greatest reward is seeing someone's mind at ease as we help them not only to meet their accounting and tax requirements, but tax plan to keep more money in their jeans and plan for their futures - well equipped with financial strategies in place. I truly enjoy being a trusted partner in peoples’ future plans!

It is the greatest of compliments when people welcome me into their lives to help make it better. That, combined with having a great team to work with, keeps me waking up every day being thankful.

Continue reading
807 Hits
0 Comments

Tax Time: Foreign Property & Income Splitting

Now's the time to get in touch to start planning for RRSP contributions and laying the framework for a smooth tax season. Here are two particular areas of interest with respect to this year's taxes:

Foreign Property Holdings

Are you required to file form T1135 – Foreign Income Verification Statement?

Two of the most frequent scenarios we are asked about are ownership of a foreign-owned vacation home – ie. the condo in Florida – and securities held in an account with a Canadian registered securities dealer. Firstly to qualify, this form is required only if the total cost of all of your foreign investments exceeds $100,000 Cdn. If you have a foreign investment that is used primarily for personal use (often a home in the sunny south) you are not required to file this form. On the other hand, if it is income producing, we should talk about the particulars to see if this form applies to you.

If you have an unregistered Canadian security account and you hold foreign stocks within the account, you should be aware that if the total cumulative cost of these foreign holdings exceeds the $100,000 Cdn threshold, CRA requires you to file a T1135.

Given that this form is purely an information return submitted to Canada, penalties on failure to file this form are steep at $25/day up to a maximum of $2,500. If you are wondering if you may be required to file, let’s talk.

Family Income Splitting

On October 30, 2014, our government introduced the long-awaited Family Tax Cut. This new legislation is great for families with minor children. Opting for this tax savings allows income splitting between spouses of up to $50,000 and can save families up to $2,000 in income tax. We are really excited to apply this tax credit on the 2014 personal tax filings of all clients who qualify for the program. Everyone loves saving taxes!

 

Continue reading
789 Hits
0 Comments

Tax Credits & What You Need To Know

Tax season is almost here and with it comes a number of opportunities to maximize your tax savings. We’ve prepared a brief primer on tax credits; but remember our team is here to help you navigate these and other tax-related issues to keep the most money possible in your pocket.

What is a Tax Credit?

There is often some confusion about the difference between a tax deduction and a tax credit. The basic difference: a tax deduction reduces your taxable income, whereas a tax credit is a deduction from tax owing.

Common tax credits include the following, amongst others:

  • Basic personal amount – We all get this tax credit and for 2014 it amounts to $11,138
  • Spousal amount – You can claim your spouse’s basic personal amount or a portion thereof if you have a spouse earning minimal income
  • Equivalent to spouse – If you are a single parent and have a dependent residing with you, you could claim this credit as an alternative to the spousal amount
  • Age Credit – Age amount applies to 65 years of age or older and amounts to a maximum of $6,916 for 2014
  • Public transit
  • Children’s fitness and arts credits
  • Home buyers’ amounts
  • Adoption expenses
  • Caregiver credit
  • Disability tax credit
  • Interest on student loans
  • Tuition expenses or the transfer of children’s tuition credits
  • Medical expenses

All of the above tax credits are then totalled on your tax return and multiplied by 15% and that figure is used to reduce your total federal income taxes payable.

Are Donations a Tax Credit?

Donations also result in a tax credit, but at 15% for the first $200 and then an enriched 29% thereafter. There is also a first-time donor’s super credit of 25% on the first $500 of donations.

How do I know which Tax Credits I am eligible for?

As you can see, with all of the above credits, it is important to ensure your accountant is up to date on all of your individual circumstances. A change in marital status, the birth of a child, medical circumstances, caring for all loved one; all of these events can impact your personal tax credits.

At our office, we encourage all of our clients to complete our annual questionnaire that covers topics that could impact the tax credits claimed on your tax filing. This communication is imperative to make sure you are getting all of the tax credits you are entitled to.

 

Continue reading
799 Hits
0 Comments

Article of Interest: Tax Free Savings Accounts

Need some background on TFSAs? Here is a good article from MoneySense Magazine on the 7 Things You Didn't Know About TFSAs.

Continue reading
772 Hits
0 Comments

Article of Interest: Tax-Time Scams

A recent article on The Huffington Post outlines some recent tax-related scams to be aware of. We've seen some of these and it's good to be on alert. Click here to read the article.

Continue reading
822 Hits
0 Comments

Article of Interest: It's Never Too Late to Contribute to Your RRSP

A good article in The Globe and Mail reminding us that it's better late than never - there's benefit to contributing to an RRSP even if you're starting a little late! Click here to read the article.

Continue reading
755 Hits
0 Comments

Article of Interest: Keep it Simple

Most of us want more “simple” in our lives. Simple today implies less stress & more clarity. Read on to look at what “simple” can mean in your business.

Click here to read this article from The Globe and Mail

Continue reading
815 Hits
0 Comments

Article of Interest: Improving financial literacy for small business owners

This recent article on financial literacy in The Globe and Mail has some useful tips for small business owners to consider.

Click here to read more.

b2ap3_thumbnail_455682189.jpg

Continue reading
772 Hits
0 Comments

Start planning early for tax time

Preparing to file your taxes shouldn’t start days before the deadline; it should be something you work towards throughout the year. Here are some considerations to make tax time painless for you or your business.

The Importance of Planning

Knowledge is power. It’s far easier to be aware and up to date on tax obligations and potential ways to manage or minimize your tax bill than end up with a surprise at filing time. If you are able to take a look at your tax position prior to the RRSP filing deadline of March 1steach year, an RRSP contribution can help lessen the tax burden.Once that deadline lapses, the ability to consider using RRSP contributions an option to reduce tax liabilities is lost.

If you are aware of how much tax you may owe, you can prepare ahead of time.You can start implementing a savings strategy for that liability immediately instead of falling short on April 30thand having to pay unnecessary interest to CRA.

What Planning Looks Like

Early planning involves discussions with us that include getting an idea of your income, expenses, deductions and tax credits anticipated for the year.Oftentimes, this planning is done late in December or early in January when most of your income and other information for the taxation year is known. We can prepare a draft return for review and discussion in advance of the ultimate filing of your return.

Create Good Habits

Good habits involve organized record keeping.For businesses, using accounting software, a spreadsheet or other method of tracking your revenue and expenses throughout the year helps you track where your income level is relative to previous years and signals you if there are significant fluctuations. Tax rates progressively increase depending upon income levels, so keeping tabs on where you are at in advance helps to prevent any surprises at filing time.

We are always available to help clients organize their information. More organized records help us as well!

How Your Accountant Can Help

An accountant can help navigate the tax waters, including advising on ways to reduce your tax liability.By filing and paying your taxes on time you can eliminate costly interest and penalties charged by CRA. By working with us to establish a great record-keeping system and having open discussions about areas of the year-end preparation you need help with can significantly reduce your accounting fees.

Give us a call to start planning for your tax time today. You can reach us on 705-445-8493 or send us an email

Continue reading
804 Hits
0 Comments

Julie's Post List

Contact Us Today Normal

Our Address:
7 Ste. Marie St. 
Collingwood, Ontario
L9Y 3J9

Telephone: 705-445-8493
Hours of Operation:
Monday - Thursday: 9am to 5pm
Friday: 9am to 4:30pm

We're Easy to Locate

Accounting Services

Accounting Services for Small Business - It's Our Expertise

Our firm's emphasis is on owner-managed businesses, professionals and individuals. With your business accounting needs professionally managed by our firm, you will be better equipped to clearly develop the best options to drive your business forward.

LEARN MORE ABOUT OUR ACCOUNTING SERVICES

S5 Box

Login

Register

You need to enable user registration from User Manager/Options in the backend of Joomla before this module will activate.