For Business Owners & Property Owners
Personal tax that accounts for what a T4 employee's return never has to.
If you own a business, rental property, or both, your personal return has more moving parts than a standard employment return — and more room for costly mistakes. We handle it with the same rigour as your corporate filing.
Who we work with
- Owner-managers — reconciling salary, dividends, and shareholder loans on your personal return so it lines up with your corporate filing.
- Self-employed professionals & sole proprietors — business income and expense reporting on your T1, including HST considerations.
- Landlords — rental income and expense reporting for one property or a portfolio, including CCA (depreciation) decisions.
- Multi-property investors — capital gains calculations on sale, principal residence exemption planning, and reporting obligations like the Underused Housing Tax where applicable.
Where owner-managers and landlords most often overpay — or get flagged
- Drawing dividends without tracking the impact on personal tax brackets and RRSP contribution room.
- Missing eligible rental expense deductions, or claiming ineligible ones that trigger CRA review.
- Miscalculating adjusted cost base on a rental property sale, especially after renovations or a change in use.
- Not planning for the tax bill on a property sale until after it closes — when the options for reducing it are gone.
Own a business, property, or both?
Tell us your situation — we'll tell you what we'll need and what it costs before you commit.
Book a ConsultationOr call (289) 969-3491
Related Reading
Plan ahead of tax season
Salary vs. Dividends: How to Pay Yourself
The trade-offs for incorporated business owners deciding how to draw income.
Read article →Selling a Rental Property? How Capital Gains Tax Works
A plain-language walkthrough of the calculation and how to plan for it.
Read article →Small Business Tax Deductions Checklist (Ontario)
Commonly missed deductions for self-employed professionals and owner-managers.
Read article →Your business return and personal return, handled together.
One CPA, one coherent tax strategy — not two preparers working from different pictures.
Chrome Accounting