Tax Services

Sapere works with your company bookkeeper throughout the year to build a personal tax planner ahead of December 31. We engage business owners to pre-plan year-end personal and corporate taxes together, surfacing synergies between the two filings that create tax savings.

Tax compliance is the work of accurately preparing and filing returns to meet legal obligations: T1, T2, HST, T4, T5, etc. It's reactive and backward-looking: you report what already happened. Tax planning is the work of structuring transactions and decisions before they occur to legally minimize tax: choosing the right business structure, timing dispositions, designing remuneration, using lifetime capital gains exemption, structuring family income splits within TOSI rules, and so on. Compliance keeps you out of trouble; planning keeps money in your pocket. Most cost-effective tax savings come from planning decisions made months or years before the relevant return is filed.

As a business owner, you should connect with your accountant at least once a month. Typical monthly topics include reviewing the bookkeeping, GST/HST filings, and payroll remittances. This cadence keeps the books current and surfaces issues before they escalate.

Yes. Sapere handles CRA disputes, Notices of Objection, and Voluntary Disclosure Program (VDP) submissions. A dispute or objection challenges a CRA position you disagree with; a VDP filing is for proactively disclosing under-reported income or unfiled returns in exchange for reduced penalties.