Stephen Ackroyd, Chartered Professional Accountant - an accountant for individuals and families

Let us help you with your personal and family finances, including personal income tax returns

We work with a lot of corporations, but we also work with individuals. Whether you’re a salaried employee, self-employed, a professional, or a combination thereof, we’ll understand your unique situation and help create a personal finance plan that’s right for you.

Personal Income Tax Returns

We help individuals with their personal income tax returns and especially people who are self-employed or professionals. We understand their unique situations and optimize the amount of tax they pay.

Whether you’re a recent graduate, starting a family, opening your own business or are more established, we’ll identify the tax deductions and subsidies you’re eligible for. We’ll help keep that hard earned money where it belongs – in your pocket!

Should I Incorporate?

One of the more common questions we’re asked by our unincorporated clients is about whether or not they should incorporate. Unfortunately, it’s not a straightforward yes or no and there is no one-size-fits-all answer.

Because corporations and individuals are taxed at different rates, the “should I incorporate?” question comes down to tax savings, but there are other factors that should be considered such as your exposure to liability, what your vision is for how big you’ll grow your business and how you expect to exit your business when the time is right. We work with our unincorporated or self-employed clients to understand their situation and identify the right time for them to incorporate and help them through the process.

An important part of our approach is that we don’t nickel and dime our clients, nor do we start the billing clock every time they ask a question. The “should I incorporate?” question is one that we have discussed many times but we have never billed a single client for the advice that we give. It’s part of the additional value that our clients get from working with us!

Tax Planning

Conventional wisdom would suggest that tax planning means paying as little tax as possible, and while this is true there should be consideration for long term tax planning.

Instead of simply looking at your current situation and minimizing your taxes, we’ll take a holistic view of your tax situation and what is coming down the line – inheritances, retirement packages, bonuses or the maturity of investments – to optimize your taxes over the long run.

Estate Planning

Estate planning is an important part of maximizing the value of the inheritance you leave to your loved ones on passing. If not managed properly, the government can claim significant portions of an estate through taxes, probate, and other fees.

Whether your estate is as simple as your home and personal treasures or is more complicated and includes corporations, real estate and other investments, we can help create a customized plan to make sure your loved ones are taken care of.

Let’s Connect


(905) 491 – 6782


Our Services

Free Personal Tax
Preparation Checklist

Getting everything organized for your personal taxes can be tough, but we’ve made it easy with this free checklist.

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(905) 491 – 6782

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