Two women sitting at a kitchen table, looking at a laptop, with notebooks, pens, and cups on the table in a bright, spacious room with large windows and a vaulted ceiling.

MONTHLY ACCOUNTING & TAX

Monthly accounting and tax support, from two dedicated CPAs.

Bookkeeping, HST, WSIB, payroll, corporate and personal tax. One firm, one monthly fee, and a CPA who picks up the phone.

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WHO THIS IS BUILT FOR

Established small business owners who are done doing it themselves.

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This service is for the business owner whose company has grown past managing its own books. Your revenue is somewhere between $300,000 and $10 million. Your compliance obligations are real and recurring. Decisions are being made now that have tax consequences later. And you would rather hand the whole picture to a CPA than keep stitching it together yourself.

Most of our monthly clients are in Muskoka and across Ontario. They run service based businesses, trades, professional services, realtors, healthcare practices, and creative companies. They’re solo operators, and they’re leading teams. What they share is the instinct to invest in getting it right instead of trying to save by getting it wrong.

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THE FULL SCOPE

Everything your business needs to stay compliant, current, and clear-eyed.

One monthly fee. One team. The whole accounting side of your business handled in-house.

    • Bank, credit card, and supplier accounts reconciled every month, in-house, by our team.

    • All bookkeeping overseen by a Chartered Professional Accountant.

    • Run inside QuickBooks Online, so you have visibility into your numbers between meetings.

    • Monthly or quarterly financial reports prepared as a polished PDF and accompanied by a recorded Loom walkthrough, so you can watch us explain your numbers on your schedule rather than scheduling a meeting around them.

    • Monthly, quarterly, or annual HST returns prepared and filed on time, every time.

    • HST position tracked all year so the filing is never a surprise.

    • Full payroll processing for owner-managers and small teams.

    • Source deductions remitted to CRA on schedule.

    • Taxable benefit calculations included.

    • T4s, T4As, T5s, and T5018s prepared at year end. ROEs prepared whenever an employee leaves, so your team members can access their benefits without delay.

    • WSIB registration support and ongoing quarterly reporting.

    • Annual reconciliation prepared and submitted.

    • Corporate (T2) tax returns prepared and filed at year end.

    • Personal (T1) tax returns prepared and filed for owners of monthly client companies.

    • Tax estimates throughout the year so year end never blindsides you.

    • Strategy conversations about how to structure compensation, dividends, and reinvestment.

    • Email or phone access to your CPA year-round, not just at tax time.

    • Formal touch points scheduled quarterly or semi-annually, depending on the engagement, so we’re intentional about the big-picture conversations.

    • Questions on a new lease, a hire, a new revenue stream, incorporating from a sole proprietorship. We’re here for those calls before the decision gets made.

Two women sitting at a wooden table working on laptops. The table has a vase of white and peach flowers. They are in a bright living room with a gray sofa, white cushions, and a plant in the background.
A white calculator, a pair of glasses, and a closed notebook placed on a black book on a table covered with a white embroidered tablecloth.

THE PROCESS

A clear path from behind, to up to date, to in control.

  • Fill out our intake form. It takes about five minutes. We use it to learn about your business and decide together whether monthly services are the right fit. Not every applicant becomes a client. That’s the point.

  • Once we’re a fit, we’ll get you set up inside QuickBooks Online, take over the books, and bring anything overdue current. We’ll also walk you through our cloud receipt app, where you’ll snap a photo of every receipt on the go and have it land in our system automatically. No more shoebox at year end. No judgement about how things got behind. Just a clean baseline to build from.

  • Every month, your books are reconciled. Filings are prepared on the schedule they’re due (HST quarterly or monthly, payroll ongoing, WSIB annually, corporate tax at year end). Tax position is updated as the year unfolds. You stop chasing paper. We stop chasing you. Sunday nights stop being for guessing what you owe.

  • We send the reminders. We send the checklists. We send the tax estimates. You make business decisions with current numbers and a CPA in the room.

THE INVESTMENT

Starting at $1,500 per month.

Pricing reflects the size of your business, the complexity of your file, and the scope of work. Our smallest monthly engagements start at $1,500. Larger or more complex businesses scale from there. Every fee is fixed monthly so there are no surprise invoices.

What you’re paying for is two Chartered Professional Accountants, a deliberately limited client roster so we have capacity to serve you well, and a contract that almost always renews.

Contract term: three years.

Renewal rate: almost always.

INQUIRE WITH US
Two women sitting at a table working on laptops, with notebooks and sunglasses, in a bright room.

HONESTLY

This service isn’t for everyone. Here’s who it’s not for.

  • Pre-revenue or very early-stage businesses. We work best with companies past the first $300K, though we make exceptions for early businesses we can see heading there quickly.

  • Business owners shopping primarily on price. We are not the cheapest, and we are upfront about that.

  • Anyone looking for a once-a-year tax filer. Our model is monthly, integrated, and full-service.

If any of these apply, the intake form will help us figure out together whether we’re the right fit. We’d rather have that clarity early than discover the misalignment six months in.

FAQ - BEFORE YOU INQUIRE

A few questions we hear before the intake form.

  • Most new clients are fully onboarded within four to six weeks from signed engagement. That includes setting up your QuickBooks Online file, taking over your bank feeds, setting up cloud receipt capture, cleaning up the current year to date, and getting your first monthly close on the books.

  • Yes, and we do it regularly. We handle the file transfer, request your prior year financials, and pick up from where they left off. Your previous accountant doesn’t need to be involved beyond providing the closing documents.

  • QuickBooks Online is our standard for every monthly client and what we set up during onboarding. It gives us a single source of truth and lets us move faster than a firm running on paper. The only exception we make is for non-profit organizations whose compliance requirements call for other software. If you’re a small business, we’ll migrate you to QuickBooks Online as part of onboarding.

  • Our engagement is a three-year term, but our engagement letter allows you to terminate the agreement at any time with 60 days’ written notice. No penalty. You’re committed to the model, not locked into the term. The flexibility is there if you need it.

  • Roughly the difference between knowing where you stand all year and finding out in April. A monthly cadence means tax estimates are current, decisions get made with real numbers, and year end is a wrap-up, not a reckoning.

  • Start with a Clarity Call. Fifty minutes with one of us, your questions, your numbers. Leave with a clear next step.

YOUR NEXT STEP

Hand off the numbers. Get your time back.

Inquire to work with us. We’ll review your intake, learn about your business, and decide together whether monthly services are the right fit. No pressure, no hard sell, just a clear conversation between business owners.

INQUIRE TO WORK WITH US

THE KIND OF WORK THAT EARNS THE KIND OF WORDS THAT FOLLOW.

  • "Working with Grow CPA has taken a lot of the accounting and tax side of the business off our plate."

    “They’ve helped us put the right systems in place, keep our bookkeeping and CRA filings up to date, and provide regular reporting with clear explanations of what the numbers are telling us. 

    We have current financial information we can understand and rely on, which makes it much easier to make informed decisions and focus on running and growing the business.”

    Luke Howell & Stu Young, Rally Electric Inc.

  • "Grow CPA has been a great partner to our organization. They’ve helped make our financial reporting and compliance requirements more manageable and have given us greater confidence in the financial information we rely on to make decisions."

    “What I appreciate most is their responsiveness, practical approach and understanding of the non-profit environment. 

    I would tell another non-profit that Grow CPA feels like an extension of your team. They are accessible, supportive and there when you need them.”

    Suzanne Willett, Community Living Huntsville

  • "As a small business owner, having Grow CPA take care of my bookkeeping and accounting has been such a relief!"

    “Martina and Ashli take so much off my plate and give me back valuable time to focus on what I do best and what I love most about running my business. They’re always happy to answer my questions, no matter how big or small, and make everything feel so much easier. They’re knowledgeable, approachable, and genuinely great to work with. 

    I also love knowing I’m supporting another local, women-owned business. I highly recommend Grow CPA!”

    Leigh Diggles, Comfort Bakeshop

  • “Working with Grow CPA has been one of the best decisions we’ve made for our business."

    “Martina’s expertise and guidance have helped us streamline our bookkeeping, payroll, and tax preparation, alleviating so much stress and allowing us to refocus our energy on the parts of the business we’re most passionate about. We truly can’t imagine running our company without their assistance and highly recommend Grow CPA to any business owner looking to take their business to the next level.”

    dancED Inc.

  • "We have had an excellent experience working with Grow CPA. They are incredibly easy to work with—friendly, responsive, professional, and always willing to help. They provide valuable insights into our agency’s financials, helping us better understand our numbers and make informed decisions."

    “Their work is consistently excellent, thorough, and completed in a timely manner. We also really appreciate their strong communication and the innovative technology they use to make working together seamless and efficient. The customized checklists are a particular favourite—they help keep everything organized and ensure we know exactly what is needed.

    Most importantly, Grow CPA is genuinely a joy to work with. Their expertise, professionalism, and approachable nature make what can sometimes feel like a complicated area of business much easier to navigate. We would highly recommend Grow CPA to any organization looking for knowledgeable, responsive, and forward-thinking accounting professionals.”

    Brad Horne & Carly Barnes, Community Living Parry Sound

  • "Ashli is very patient, approachable, and available to answer questions at any time. She works to find solutions and is willing to meet in person or via Zoom at Board meetings. We find it very informative to have Grow prepare our monthly financial reports, along with a video and explanation of the results."

    “Grow CPA is in tune with our business and provides suggestions for saving funds and identifying areas where additional funding could be applied. They work alongside other agencies to complete reports, including audits, required by the government. They are very knowledgeable about government reporting, HST, and annual charity tax returns.

    I would highly recommend Grow CPA for your financial needs.”

    Heather Conwath, Huntsville Co-operative Nursery School

  • "They were kind, non-judgmental, and knowledgeable, which gave me the confidence I needed."

    “Being a small business owner is not easy. Not only are you responsible for your job, but all the behind-the-scenes work that is necessary to make things run smoothly. It was clear early on that I was going to need to outsource my accounting.

    Enter Grow. By far the best business decision I have ever made.”

    Alyssa Rowley, A.R. Editing Company

  • “Entrusting Grow CPA with my business's accounting was a no-brainer from the first call I had with them."

    “Knowledgeable, warm, efficient, and professional are just a few of the words I'd use to describe this firm and the feeling of ease they give me. They have alleviated a massive burden of work off my shoulders, and their virtual processes save me time and energy.”

    Kattie Thorndyke