Insights

Insights from our team.

Strategic financial, tax, and IT guidance designed to simplify complexity, ensure compliance, and empower your business to grow with confidence.

Sapere Acquires Glober & Preer LLP, Expanding Into Edson, Alberta

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Firm NewsJanuary 20, 2026

Sapere Acquires Glober & Preer LLP, Expanding Into Edson, Alberta

In January 2026, Sapere acquired Glober & Preer LLP in Edson, Alberta. The team and office continue uninterrupted, now backed by Sapere's full-service CPA bench.

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Firm NewsOctober 17, 2026

Sapere Partners with Smile Welfare Canada, a Registered Canadian Charity

Smile Welfare Canada received its CRA charitable registration effective January 1, 2026 (Reg No. 77513 6229 RR0001). Our Managing Partner Sarosh Zafar serves as a director; Sapere handles the charity's finances pro bono; our team volunteers; and we are helping with community fundraising for the Mississauga-based nonprofit.

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Firm NewsOctober 8, 2026

Sapere Sponsors SickKids VS Charity Car Show 2026

On October 4, 2026, Sapere co-sponsored the SickKids VS Charity Car Show at the Porsche Experience Centre Toronto. The event raised $6,767 for the SickKids Foundation, 35 percent above its $5,000 goal.

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TaxSeptember 23, 2026

Bare Trust T3 Filing 2026: Who Must File, What's Exempt, and the March 31, 2027 Deadline

Bill C-15 rewrote Canada's bare trust reporting rules in March 2026. For the first time, real T3 filings are due for the 2026 taxation year with a hard March 31, 2027 deadline. Who's caught, what's exempt under the new $50,000 threshold, and what owner-managers should do before December 31.

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Business AdvisorySeptember 11, 2026

Your Bank Denied Your Business Loan. Here's What It Actually Means.

A commercial loan decline is rarely a judgment on your business. Four reasons Canadian Schedule I banks say no, ranked by how common each one is, and the three moves that turn a decline into an approval with a different lender or a repaired file.

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LegalSeptember 1, 2026

Law Firm Accounting in Canada 2026: Trust Rules, PC Law, LSO Form 1 & Costs

How Canadian law firms close the books in 2026 without triggering an LSO spot audit: trust accounting under By-Law 9, monthly reconciliations, Form 1, PC Law versus Clio versus CosmoLex, and bookkeeper fees by firm size.

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PayrollAugust 20, 2026

Calgary Payroll Services 2026: Costs, WCB, CRA Remittances & When to Outsource

What Calgary business owners pay for payroll in 2026, how WCB Alberta and CRA source deductions actually work, and the point where DIY payroll stops being cheaper than outsourcing.

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TaxAugust 11, 2026

Alberta Small Business Tax Guide 2026: Rates, GST & the $500K Limit

2026 Alberta small business tax rates, the $500,000 small business limit, GST filing thresholds, personal tax brackets, and the planning moves that lower a CCPC's total tax bill in Alberta.

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Expert AdviceAugust 3, 2026

How Much Does a CPA Cost for a Small Business in Canada? (2026 Guide)

Real 2026 fee ranges for CPA services in Canada — bookkeeping, T2 corporate returns, GST/HST filings, payroll, and full-service engagements. Plus when a CPA pays for itself, when you can safely skip one, and how to spot a quote that's fair.

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Business GrowthMarch 2, 2026

10 Small Business Growth Strategies for Canadian Owners in 2026

Ten proven growth moves for Canadian small business owners in 2026: spotting cash flow leaks, claiming missed tax credits, scaling payroll without penalties, and the tax planning that converts revenue into retained profit.

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Tax ServicesFebruary 26, 2026

Small Business Tax Planning in Canada for 2026

Year-round tax planning for Canadian SMBs in 2026: protect the Small Business Deduction, time capital purchases for CCA, claim SR&ED, and manage TOSI.

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Industry GuidesMay 26, 2026

Restaurant Accounting in Canada: The Owner's Guide for 2026

How Canadian restaurant owners handle GST/HST on tips, payroll for tipped staff, food cost ratios that survive a CRA audit, and the categories most likely to get flagged. From Sapere CPA.

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Expert AdviceMay 26, 2026

Small Business Accountant in Toronto: Fees & Red Flags

A practical 2026 guide for Toronto small business owners on choosing the right accountant: CPA designation, industry fit, actual fee ranges, cloud accounting fluency, and the red flags that mean walk away.

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