Personal Tax
T1 returns prepared and reviewed by a CPA. Rental, self-employment, foreign income and late filings included.
Precision in every number. Confidence in every decision.
Accounting, tax, bookkeeping, payroll and business planning for owner-run businesses and individuals across Canada, with every number explained before you sign.
Year-end summaryIllustrative client, FY 2025
Gross revenue$482,600
Deductions claimed$91,340
Capital cost allowance$14,275
HST remitted$38,120
Tax saved vs. prior year$11,880
Figures shown for illustration. Your outcome depends on your structure, income mix and filing history.
Precise.Every number checked, and every return reviewed by a CPA before it is filed.
Personal.One person who knows your file and explains it in plain words.
Proactive.Advice before you decide, not after the deadline.
Our services
Everything an owner-run Canadian business needs.
Your personal and corporate tax, books and payroll, handled by one small team and reviewed by a CPA.
Corporate Tax
T2 returns, year-end statements and planning built around how you actually pay yourself.
Bookkeeping
Weekly, monthly or yearly, reviewed by a CPA. We can start with nothing more than your bank statements.
Payroll
Source deductions, monthly remittances, T4s, ROEs and WSIB, on schedule so penalties never start.
Business Planning & Advisory
Business plans, budgets, cash flow forecasts and financing. See how we help
GST / HST
Registration, filings and input tax credit review, including past filings the CRA is asking about.
Business planning & advisory
Plan the move before you make it.
Tax and books tell you where your business has been. Planning tells you where it can go. We turn your numbers into a plan you can act on, and we tell you what a decision costs and what it saves before you commit.
Business plans
A clear written plan for a lender, a partner or yourself, built on numbers we have checked.
Budgets and cash flow forecasts
Month-by-month projections, so you see a cash shortfall before it happens.
Financing and loan applications
The financial statements and projections a bank expects to see, prepared and explained.
Incorporation
Whether and when to incorporate, based on your income and your plans for the next few years.
Major purchases
Equipment or a vehicle: what it costs, how to pay for it and what it does to your tax.
Growth decisions
Hiring a first employee or taking on a partner, with the cost known before you agree.
A small firm, on purpose.
We stay small so that the person who signs your return is the person who understands your business.
Advice before the decision
Incorporating, buying equipment, hiring a first employee, taking on a partner. Call us before you act and we will tell you what it costs and what it saves.
Your file stays together
One person is primary on your file, and everything is kept in one place. Anyone on the team can pick it up without asking you to explain again.
Plain explanations
Nothing is filed until we have walked you through what changed, what you owe and why.
Clean handover
Authorize us through your CRA My Account and we review what was filed before. No awkward conversation with your current accountant.
Support when the CRA writes
Reviews, information requests and audits are handled on your behalf. Send us the letter before you reply.
Fixed quotes, free questions
You know the fee before we start. Calls and emails through the year are included.
Every corporate file is reviewed by Mohammad Arief Rahman, CPA, CGA, director of RMA, before it is filed.
Four steps from first call to filed return.
01
A free conversation
By phone or in person, with video on request. We learn what is filed, what is outstanding and what you need. No obligation.
02
A fixed quote
We tell you the fee before any work starts. That number is what you pay, whether the file takes us four hours or ten.
03
Documents and preparation
Send what we ask for by email, or by WhatsApp or text if that is easier. If something is missing, we follow up.
04
Review, then file
We walk you through what changed and what you owe before anything goes to the CRA. Nothing is filed until you understand it.
Questions we hear most.
Something else on your mind?
Eliot is our AI assistant. It answers questions about our services, documents and deadlines at any time of day, and it can book your free consultation: leave your details in the chat and the team will contact you to set a time.
It depends on the work. A personal return is very different from a corporate year-end with payroll and HST attached. We quote a fixed fee after a free consultation, and that quote is what you pay.
Yes. If you have a CRA My Account, you can authorize us from your phone and we can see your past filings without contacting your previous accountant. Bring bank statements and any past returns you have, and we will tell you what else we need.
Yes. Late filings are common and fixable. We work out what is outstanding, file the back years and deal with the CRA on penalties and interest where there is a case to make. Filing late is always better than not filing at all.
Contact us before you reply. Most letters are routine reviews that ask for supporting documents, but the wording is often alarming. We check what it asks for and handle the response on your behalf.
By email is best. WhatsApp or text is fine if that is easier for you, and you can always bring paper copies to the office. Documents that need a signature are sent to you for e-signature.
Let's get started.
Tell us a little about your situation. The first consultation is free, by phone or in person.
Office69 Lebovic Ave, Suite D207
Toronto, ON M1L 0H2Our temporary office while 777 Warden Avenue is under construction. Parking on site.
Toronto, ON M1L 0H2Our temporary office while 777 Warden Avenue is under construction. Parking on site.
Phone(416) 573-3652
Emailinfo@rmacpacga.com
HoursMonday to Friday, 10:30am to 6:30pmOther times by arrangement.