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Advisory &
forecasting
Advisory &
forecasting
Advisory &
forecasting
The conversations that are hard to have without current numbers: whether to incorporate, how to pay yourself, whether the next hire is affordable, and what cash looks like in six months.
The conversations that are hard to have without current numbers: whether to incorporate, how to pay yourself, whether the next hire is affordable, and what cash looks like in six months.
01 The problem
01 The problem
Most owners decide
on instinct because
the numbers are late.
Most owners decide
on instinct because
the numbers are late.
Most owners decide
on instinct because
the numbers are late.
Advisory is not a separate product bolted onto compliance — it is what becomes possible once the books are closed monthly. When the ledger is current, a forecast takes an afternoon and is worth trusting. When it is a year old, any forecast built on it is fiction.
Advisory is not a separate product bolted onto compliance — it is what becomes possible once the books are closed monthly. When the ledger is current, a forecast takes an afternoon and is worth trusting. When it is a year old, any forecast built on it is fiction.
What’s included
What’s included
01
01
Rolling 12-month cash-flow forecast
Rolling 12-month cash-flow forecast
02
02
Compensation mix: salary versus dividends
Compensation mix: salary versus dividends
03
03
Incorporation and structure review
Incorporation and structure review
04
04
Budget versus actual reporting with commentary
Budget versus actual reporting with commentary
05
05
Hiring and capital purchase affordability analysis
Hiring and capital purchase affordability analysis
06
06
Lender and grant application support
Lender and grant application support
02 How it runs
02 How it runs
A quarterly
rhythm.
A quarterly
rhythm.
A quarterly
rhythm.
Advisory works best on a schedule rather than in a crisis. Quarterly suits most owner-managed businesses.
Advisory works best on a schedule rather than in a crisis. Quarterly suits most owner-managed businesses.
Quarter start
Quarter start
Set the question
Set the question
We agree the decision actually being made — a hire, a purchase, a structure change — rather than reviewing numbers generally.
We agree the decision actually being made — a hire, a purchase, a structure change — rather than reviewing numbers generally.
Mid-quarter
Mid-quarter
Model it
Model it
Scenarios built off the current ledger, including the tax consequence of each option.
Scenarios built off the current ledger, including the tax consequence of each option.
Review
Review
Talk it through
Talk it through
A working session, not a presentation. You leave with a decision and the reasoning written down.
A working session, not a presentation. You leave with a decision and the reasoning written down.
Ongoing
Ongoing
Track against it
Track against it
Budget versus actual reporting each month so drift is visible early.
Budget versus actual reporting each month so drift is visible early.
Quarter start
Set the question
We agree the decision actually being made — a hire, a purchase, a structure change — rather than reviewing numbers generally.
Mid-quarter
Model it
Scenarios built off the current ledger, including the tax consequence of each option.
Review
Talk it through
A working session, not a presentation. You leave with a decision and the reasoning written down.
Ongoing
Track against it
Budget versus actual reporting each month so drift is visible early.
03 Questions
03 Questions
Straight answers to the usual questions.
Straight answers to the usual questions.
Straight answers to the usual questions.
The questions owners ask most often about this service.
The questions owners ask most often about this service.
Should I incorporate?
Should I incorporate?
Usually a question of income level, how much you leave in the business, liability exposure and provincial rules for your profession. Incorporation costs money to set up and maintain, so the answer is sometimes no. We will model both.
Usually a question of income level, how much you leave in the business, liability exposure and provincial rules for your profession. Incorporation costs money to set up and maintain, so the answer is sometimes no. We will model both.
Is a forecast worth paying for?
Is a forecast worth paying for?
If your bookkeeping is current, yes — it is the difference between deciding and guessing. If your books are a year behind, fix that first; a forecast built on stale data is worse than none.
If your bookkeeping is current, yes — it is the difference between deciding and guessing. If your books are a year behind, fix that first; a forecast built on stale data is worse than none.
Can you help with a bank or grant application?
Can you help with a bank or grant application?
Yes. Lenders and funders usually want statements, a forecast and a written explanation of the numbers. We prepare the package and can join the call.
Yes. Lenders and funders usually want statements, a forecast and a written explanation of the numbers. We prepare the package and can join the call.
Do I need this every quarter?
Do I need this every quarter?
Not necessarily. Some clients take one annual planning session plus the year-end review. We would rather scope it to what you will actually use.
Not necessarily. Some clients take one annual planning session plus the year-end review. We would rather scope it to what you will actually use.
Book a consultation
Book a consultation
Bring the decision,
not just the numbers.
Bring the decision,
not just the numbers.
Bring the decision,
not just the numbers.
If there is a hire, a purchase or a structure change on your mind, that is the right thing to bring to the first call.
If there is a hire, a purchase or a structure change on your mind, that is the right thing to bring to the first call.
Book a consultation
Call the office
01
Rolling 12-month cash-flow forecast
02
Compensation mix: salary versus dividends
03
Incorporation and structure review
04
Budget versus actual reporting with commentary
05
Hiring and capital purchase affordability analysis
06
Lender and grant application support
Should I incorporate?
Usually a question of income level, how much you leave in the business, liability exposure and provincial rules for your profession. Incorporation costs money to set up and maintain, so the answer is sometimes no. We will model both.
Is a forecast worth paying for?
If your bookkeeping is current, yes — it is the difference between deciding and guessing. If your books are a year behind, fix that first; a forecast built on stale data is worse than none.
Can you help with a bank or grant application?
Yes. Lenders and funders usually want statements, a forecast and a written explanation of the numbers. We prepare the package and can join the call.
Do I need this every quarter?
Not necessarily. Some clients take one annual planning session plus the year-end review. We would rather scope it to what you will actually use.
Ledgerline
Chartered Professional Accountants
Street address · City, Province, Postal code
Firm
Information on this website is general in nature and is not accounting, tax or legal advice. Filing dates vary with your fiscal year-end and move when they fall on a weekend or public holiday. Speak with us about your own circumstances before acting.
© 2026 Ledgerline. All rights reserved.
Registered with CPA Ontario
Ledgerline
Ledgerline
Chartered Professional Accountants
Street address · City, Province, Postal code
Firm
Information on this website is general in nature and is not accounting, tax or legal advice. Filing dates vary with your fiscal year-end and move when they fall on a weekend or public holiday. Speak with us about your own circumstances before acting.
© 2026 Ledgerline. All rights reserved.
Registered with CPA Ontario
Ledgerline
Ledgerline
Chartered Professional Accountants
Street address · City, Province, Postal code
Firm
Information on this website is general in nature and is not accounting, tax or legal advice. Filing dates vary with your fiscal year-end and move when they fall on a weekend or public holiday. Speak with us about your own circumstances before acting.
© 2026 Ledgerline. All rights reserved.
Registered with CPA Ontario
Ledgerline