Realtors / PREC
Commission income, PREC incorporation, vehicle and marketing deductions.
Industries
Accounting Built Around How Your Business Actually Works
A realtor's T2 doesn't look like a contractor's. A restaurant's HST doesn't look like an agency's. Different industries create different bookkeeping, HST, payroll and tax questions. The workflow should reflect that.
See the Price First. AI-powered tax strategy built to uncover tax-saving opportunities that conventional workflows can miss. Efficiencies help keep fees affordable.
Who We Work With
One page has a real, built-out guide today. The rest are common business types we support.
IT Contractors
Incorporated consultants, personal services business risk, T4A income.
Medical Professionals
Professional corporations, associate agreements, locum income.
Construction & Trades
Subcontractor T5018s, job costing, equipment capital cost allowance.
E-Commerce
Multi-platform sales, inventory, cross-border HST exposure.
Marketing Agencies
Retainer revenue recognition, contractor payroll, client-cost pass-throughs.
Lawyers
Trust accounting awareness, professional corporations, partnership draws.
Restaurants
Cash and card reconciliation, tip reporting, food-cost HST treatment.
Trucking
Owner-operator vs. fleet structures, fuel and maintenance CCA, cross-border HST.
Real-Estate Investors
Rental income vs. business income, capital gains, corporate holding structures.
Mortgage Brokers
Commission timing, incorporation decisions, referral-fee reporting.
Startups
SR&ED awareness, founder compensation, early-stage bookkeeping hygiene.
Holding Companies
Intercorporate dividends, investment income, multi-entity structuring.
Why Industry Actually Changes the Accounting
Two incorporated businesses with identical revenue can need completely different work. A realtor operating through a PREC has commission income, vehicle and marketing write-offs, and a corporate structure shaped by provincial real estate rules. A trucking owner-operator has fuel and maintenance capital cost allowance, cross-border HST questions, and a fleet-versus-owner-operator decision that changes how the whole return gets built. Treating both the same way, same checklist, same assumptions about what receipts matter, is how deductions get missed and how HST gets filed wrong.
Record Patterns and Bookkeeping Shape
A restaurant's books are built around daily cash and card reconciliation and tip reporting. A marketing agency's books are built around retainer revenue recognition and contractor pass-through costs. An e-commerce business is reconciling multiple sales platforms against a single bank feed, often with inventory sitting on the balance sheet the owner has never formally counted. The bookkeeping "shape", what gets categorized, how often, and against what source documents, has to match how the business actually generates and records revenue, not a generic chart of accounts.
HST Treatment Isn't One Rule
HST registration thresholds are the same for everyone, but what's taxable, zero-rated, or exempt is not. A trucking company moving freight across the Canada–U.S. border has different HST exposure than a lawyer billing domestic clients. An e-commerce seller shipping outside Ontario has to track destination-based rules a local trades business never touches. Getting this wrong doesn't just cost money, it's the kind of error that draws CRA attention.
Payroll and Corporate Structure
A medical professional operating through a professional corporation has associate-agreement income and CCPC considerations that don't apply to a sole owner-operator trucking company. A holding company exists specifically to hold investments and intercorporate dividends, its tax planning is almost entirely about income splitting and passive-income rules, not day-to-day operating deductions. Corporate structure decisions, whether to incorporate, whether to add a holding company, how to pay yourself, depend on the industry's income pattern as much as on revenue size.
Timing, Seasonality, and Tax Planning
A construction business has lumpy, project-based revenue and subcontractor T5018 slips due on a schedule most owners don't track until it's late. A startup's priority is founder compensation structure and clean early bookkeeping, not year-end tax minimization, that comes later. Real-estate investors are usually planning around a future sale, so capital gains treatment matters more than current-year deductions. Good tax planning starts with recognizing which of these situations you're actually in, then working backward to what needs attention and when.
We've built out the full picture for one industry so far, see how it works for realtors and PREC owners. For everyone else, the fastest way to see how this applies to your business is to run the quote yourself: our fixed-price quote tool asks scope questions that adapt to what you actually do, and you can see how our approach stacks up on the firm comparison page or check current accounting prices before you commit to anything. We also work with businesses across the Greater Toronto Area, entirely online.
See What Your Industry Actually Costs
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