Zachary Cummings, CPABookkeeping & Accounting
Your books done properly every month. Reconciled, categorized and ready before CRA ever asks for anything.
View service →Accountant and CPA for trades and small businesses in Canada
You run the jobs. I'll handle the books.
I'm Zachary Cummings, a CPA. I handle your bookkeeping, HST returns, payroll, T5018s and tax returns, then go a step further with cash flow forecasting and custom dashboards so you know where your business stands and what's coming next. When you call or text, you get me, and I get back to you the same business day.
Free, with no obligation. I don't bill by the hour.
- 5.0 on Google · 26 reviews
Registered firm
What I take care of
- Subcontractor payments tracked all year and T5018s filed on time
- HST tracked every month, so the remittance isn't a surprise
- Workers' comp premiums (WSIB in Ontario) tracked as part of your labour cost
- Snap a photo of a receipt in the truck and send it to Dext. I categorize it and publish it to QuickBooks
- Books reconciled monthly, with statements ready by the same date every month
- You deal with me directly by phone, text or email
Based in Ontario, working remotely with clients across Canada
Who I work with
Most of my clients are in the trades
A trades business comes with its own headaches: subs, payroll, workers' comp (WSIB in Ontario), HST on every invoice, and a truck that doubles as your office. A general accountant doesn't always deal with that stuff. I deal with it every month.
Contractors & builders
I track what you pay your subs, file your T5018s and keep an eye on WSIB and holdbacks. A lot of accountants miss the construction side.
Electricians
Supplier bills, van costs and your helper's wages get sorted every month, so you're not digging through a shoebox in April.
Plumbers
Service calls, parts runs and after-hours jobs go into the books the same month, and I keep track of the HST as we go.
HVAC contractors
Busy in summer and winter and quiet in between? I can forecast your cash flow so the slow months don't catch you short.
Landscapers
Most of your money comes in between spring and fall. I'll forecast your cash flow so the HST and tax bills don't sneak up on you in the winter.
Don't see your trade?
A lot of the same rules apply across the trades. Book a free call and ask me.
Book a free call →
Services
What I can help with
Pick what you need now. You can add more later as the business grows.
Corporate Tax Returns (T2)
T2 returns for incorporated small businesses, built on books that actually reconcile.
View service →Payroll
Simple payroll for a small crew, set up properly and run on schedule.
View service →Business Advisory
Help with the money decisions most owners don't have anyone to ask about, like incorporating, salary or dividends, hiring, equipment and budgeting.
View service →Trades & Subcontractors
The trades-specific stuff a general accountant can miss: subcontractor tracking, T5018s, WSIB and HST on construction work.
View service →Personal Tax Returns (T1)
T1 returns for individuals and owner-operators. I file it and explain it in plain English.
View service →How it works
It starts with a free call
1
Free 20-minute call
Tell me what's going on. Maybe it's a shoebox of receipts, a letter from CRA, or books that are a year behind. There's no sales pitch.
2
A quote for your situation
After the call I'll give you an actual number for your business, instead of a vague "starting at" price.
3
Answers the same day
Once we're working together, you can text me a question from the job site and I'll answer it the same business day.
Reviews
What my clients say
Copied word for word from client reviews.
Personal tax returns
Not a business owner? I do personal taxes too.
Maybe you've got a T4 job, you're doing an apprenticeship, you do some side work on weekends, or you just haven't filed in a few years. I'll do your return and walk you through it.
- Basic returns cost $80 to $120. Rental or self-employment income costs more
- Upload your slips to my secure client hub. No office visit and nothing to print
- If you're employed in a trade and buy your own tools, ask me about the tradesperson's tools deduction
- I'll help you set up your CRA My Account, so your slips and notices are online
- Claiming employment expenses? I'll fill out the T777 form
- Behind on filing? I'll file the back years, starting with the oldest
Where I work
Barrie, Innisfil, Bradford and East Gwillimbury
I work remotely, so I can also help you anywhere in Canada.
- BarrieBarrie, Ontario
- Innisfil & South SimcoeInnisfil, Simcoe County
- Bradford West GwillimburyBradford West Gwillimbury, Simcoe County
- East GwillimburyEast Gwillimbury, York Region
Common questions
Things people usually ask me
You're a newer practice. Why should I trust you with my books?
That's a fair thing to ask. My practice is newer and I'm not going to pretend it's a 30-year firm. What you get is me on every file. I'm a CPA, my firm is registered with CPA Ontario, nobody junior touches your work, and I reply the same business day. That's hard for a busy established firm to do.
My books are a mess. Like a year behind. Is that a problem?
No, that's pretty common. I'll look at what you've got and quote the catch-up work first. Once your books are current, I start on the monthly work.
How fast do you get back to people?
The same business day. I keep my client list to a size I can handle so I'm able to do that.
How much does an accountant cost?
It depends on what you need. A basic personal return is $80 to $120. Corporate returns (T2) usually start around $700, or $400 for a nil or very simple return. Monthly plans start at $400, $750 or $1,050 a month depending on the plan, and I fit the price to your business. The pricing page has the details, or book a call and I'll give you a number.
Do I need an accountant for my small business?
Most small businesses aren't required to have one, and plenty of owners do their own books at first. It usually starts paying for itself once you have HST to file, people to pay, subs to track, or you're thinking about incorporating. The free 20-minute call is an easy way to find out if you're there yet.
What's the difference between an accountant and a CPA?
Anyone can call themselves an accountant. There's no exam or licence behind the word. CPA (Chartered Professional Accountant) is Canada's regulated accounting designation. To earn it you need a university degree, the CPA professional education program, a three-day final exam and 30 months of supervised work experience. After that, a CPA has to keep training (120 hours every three years), follow a code of professional conduct and answer to a regulator. In Ontario that's CPA Ontario, which can investigate complaints. I'm a CPA and my firm is registered with CPA Ontario. If you're not sure whether your current accountant is a CPA, it's a fair question to ask them.
Do you work with businesses outside Ontario?
Yes. My firm is registered in Ontario and I work remotely, so most clients never need to meet in person, wherever they are in Canada. The exception is Quebec, which runs its own provincial tax and payroll system: for Quebec businesses I can do the bookkeeping, but not the tax returns or payroll.
Want the books off your plate?
Book a free 20-minute call. There's no obligation, and I'll get back to you the same business day.
- 5.0 on Google · 26 reviews
- Registered firm