Run your business
with absolute
financial confidence.
At Meridian, we unify accounting, tax, and finance into one streamlined experience so that you can make informed financial decisions and maximize profits.Experience peace-of-mind for your business.
Meridian Advantage
Why Meridian?
Imagine your business with every dollar accounted for, every tax opportunity captured, and every financial decision backed by absolute certainty.That’s what we deliver.
Keep More, Stress Less
Our service is designed to reduce tax leakage and optimize financial outcomes, letting you retain more of what you earn, legally and strategically.An aligned accounting, finance, and tax strategy is critical for your business to thrive in today's economy.
No Surprises
No hourly billing. No surprise invoices. One flat monthly fee that covers everything in your plan.This gives you the budget stability and confidence to ask questions throughout the year without worrying about extra charges.
Always Ahead
We plan ahead before year‑end so decisions about compensation, dividends, expenses, investments, and structuring happen before deadlines, not after.This eliminates avoidable tax bills and keeps your financial system always one step ahead.
Structured for Growth
We ensure your entity setup is intentionally designed to reduce taxes, increase flexibility, and protect what you have built.A well-structured company pays less tax, takes fewer risks, and grows with far fewer constraints.
Services
What We Offer
Meridian is a modern, fully-virtual firm offering three complementary subscription-based services designed to give owner–managers confidence and control.
Accounting
Month-to-month financial precision through disciplined bookkeeping, financial reporting, payroll oversight and effective owner compensation structuring. We help clients maintain clarity, compliance, and cash-flow control for their business.
Tax
Proactive tax planning for corporations, owners, and the self-employed. From corporate returns, personal returns, to GST/HST, we ensure clients capture every legitimate advantage available under Canadian tax law.
Finance
Insight-rich financial reporting supported by forward-looking analysis. For clients who require a deeper strategic partner, our higher-tier engagements include CFO-level guidance to sharpen decision making and support long-term expansion.
Clients
Who We Work With
We work with incorporated business owners of established businesses wanting peace of mind, clarity, and proactive insight.
E-commerce brand operators
Consulting firm owners and advisory professionals
Trades, contractors, and technical service operators
Professional practices (medical, dental, legal, engineering)
Real estate investors
Family offices and high-net-worth households
Not-for-profit executives
Early-stage and venture-backed startup founders
Our clients value the timely numbers and tax planning expertise we provide to help them legally minimize taxes and trust that their business is on track.
Pricing
Pricing that’s transparent, predictable, and built for small businesses.Three tiers, each with annual contracts and monthly fees that stay fixed unless your business complexity changes (you always get advance notice, no surprises).
Essentials
Perfect for solo owners, consultants, and lean operators looking for basic accounting and tax help.Pick this if you want predictable monthly accounting, minimal admin, and a clean tax position without complexity.Not included:
Payroll, multiple revenue streams, or catch-up work.
Plus
The Meridian Advantage for growing businesses that need accuracy, speed, and a proactive advisor.Pick this if you want holistic accounting, tax planning, and guidance built to catch risks early and keep your business running clean.Not included:
Complex reorganizations or multi-company structures.
Premium
For established businesses looking for a fully managed finance function and deeper tax minimization.Pick this if you want a finance partner, not just an accountant, and your decisions depend on real-time financial clarity.
Articles
Insights for Business Owners
Our articles gives you clear, practical insights to help you keep more profit, plan your compensation wisely, and protect your wealth as your company grows.
Ways to Maximize Your Take-Home Pay
Paying yourself improperly can quietly drain thousands every year. Discover how the right mix of salary, dividends, and benefits can boost your take-home pay and strengthen your financial foundation.Essential reading for any incorporated owner.
How Canadian Small Businesses Can Keep More Profit
Most Canadian small businesses pay more tax than they need to. Learn the core rules, the incentives you might be missing, and the simple strategies that help you keep more of every dollar your company earns.A must-read if you feel like tax season takes more than it should.
Holding Companies Can
Protect Wealth, Reduce Risk
A holding company can protect your wealth, reduce risk, and unlock powerful tax advantages, but only if you structure it the right way.This guide breaks down how they work and when they make sense for growing entrepreneurs.
Common Questions
Frequently Asked Questions
What types of businesses does Meridian work with?
We serve incorporated owner–managed businesses across Canada. We work extensively with clients in e-commerce, consulting, trades and contractors, professional services, real estate and construction, family offices, investment HoldCos, not-for-profits, and early-stage startups.
Are there onboarding fees?
Yes. Each new entity is subject to a one-time onboarding fee. This covers accounting system setup, financial file organization, data room creation, optimization of third-party integrations, and (if required) conversion from cash to accrual accounting. If historical financial records require cleanup or correction, additional fees may apply.
What’s included in the bookkeeping packages?
Our fixed-price bookkeeping plans include accurate transaction reconciliation and categorization, monthly financial statements delivered on time, a monthly review call with your dedicated Accounting Manager, and ongoing support as your business operations evolve.For businesses with more complex needs, we offer custom solutions. Contact us for a precise quote.
What if I’m behind on my books and/or taxes?
Catch-up is common. We will quote you a fixed price before we start.
How does subscription pricing work?
You pay a single fixed monthly fee that covers all services included in your chosen tier. No hourly billing, no surprise invoices, and complete cost predictability.
Do you replace my bookkeeper or tax accountant?
Yes. We become your fully integrated finance, accounting, and tax partner, eliminating the need for multiple external advisors.
Can I upgrade my tier later?
Absolutely, most clients do as they grow. You can upgrade at any time as your needs change.
Accounting-as-a-Service
How It Works
Our proven onboarding process works across dozens of industries and helps identify exactly what your business needs and how quickly you can get there. When all financial functions are unified, you stop feeling overwhelmed and gain control.
Step 1 Book a free consultation
Schedule a short discovery call so we can understand your business, your goals, and the pain points holding you back. You leave the call with clear recommendations, a tier fit, and a simple path forward.
Step 2 Get a tailored onboarding plan
Once you choose your tier, we build a structured onboarding plan that includes systems setup, payroll alignment, tax review, and monthly reporting workflows. Everything is organized for you. No technical prep work required.
Step 3 Start operating with clarity
Within the first 30 days, your books are clean, your reporting is live, and your tax strategy is aligned for the year. From there, you get ongoing support, proactive planning, and a finance function designed to grow with you.
Pricing
Meridian offers integrated monthly subscription plans that are transparent, predictable, and built for Canadian small businesses.
Essentials
Replace stress with structure and reclaim your evenings.Perfect for solo owners, consultants, and lean operations who want a sense of calm and control.
$199/mo
Business Revenues under $500kEssentials includes:
QBO or Xero Subscription
Corporate Tax (T2) Filing
Personal Tax (T1) Filing
Owner Compensation Strategy
Annual Financial Reports
Annual Business Review Video Call
Annual GST/HST/PST Filing
CRA Audit Support
Email support within 3 business days
Best Value
Plus
Built for momentum, and the complexity that comes with it.Ideal for businesses stepping out of “scrappy mode” and into confident, structured growth.
$799/mo
Business Revenues $500k–$1MAll of Essentials, and:
Bookkeeping
Quarterly Financial Reports
Quarterly Business Goals Report
Monthly GST/HST/PST Filing
Year-Round Tax Planning
Payroll Processing (T4, ROE, PD7A)
Benefits & Payroll Deductions Integration (CPP, EI, WCB/WSIB)
Bill Pay / Accounts Payable Automation
Unlimited Video Calls with Dedicated Accounting Manager
Email support within 1 business day
Premium
Finance that lets you see the future and act before others do.Ideal for businesses ready for smarter decisions and a finance partner on the same page.
Let's talk
Business Revenues $1M+All of Plus, and:
CFO Services Support & Strategy Calls
Custom Management Reporting
KPI Analysis
Annual Budget Creation or Oversight
Budget to Actual Variance Analysis
HoldCo & OpCo Companies Support
Support with bankers, lenders, and CRA escalations
Priority response
Predictable monthly subscription pricing
Compare All Tier Features
| Essentials | Plus | Premium | |
|---|---|---|---|
| Monthly Price | $199 | $799 | Let's Talk |
| Business Revenues | Under $500k | $500k–$1M | $1M+ |
| Core Features | |||
| QBO or Xero Subscription | ✓ | ✓ | ✓ |
| Bookkeeping | — | Monthly | Monthly |
| Corporate Tax (T2) Filing | ✓ | ✓ | ✓ |
| Personal Tax (T1) Filing | ✓ | ✓ | ✓ |
| Owner/Manager Compensation Strategy | ✓ | ✓ | ✓ |
| Financial Reporting | Annually | Quarterly | Monthly |
| Business Goals Report | — | Quarterly | Quarterly |
| Business Review Video Call | Annually | Quarterly | Quarterly |
| GST/HST/PST Filing | Annually | Quarterly or Monthly | Quarterly or Monthly |
| Year-Round Tax Planning | — | ✓ | ✓ |
| Payroll Processing (T4, ROE, PD7A) | — | ✓ | ✓ |
| CRA Audit Support | ✓ | ✓ | ✓ |
| Call with Dedicated Accounting Manager | — | Unlimited | — |
| CFO Strategy Calls | — | — | Unlimited |
| Essentials | Plus | Premium | |
| Detailed Features | |||
| CFO Services Support & Strategy Calls | — | — | ✓ |
| Custom Management Reporting | — | — | ✓ |
| KPI analysis | — | — | ✓ |
| Annual Budget Creation or Oversight | — | — | ✓ |
| Budget to Actual Variance Analysis | — | — | ✓ |
| Benefits & Payroll Deductions Integration | — | ✓ | ✓ |
| Bill Pay / Accounts Payable Automation | — | ✓ | ✓ |
| Class/Location/Project Tracking | — | — | ✓ |
| Holding Companies/Operating Companies Support | — | — | ✓ |
| Inventory & Cost-of-Goods Accounting Support | — | — | ✓ |
| SR&ED Claim Preparation Support | — | — | ✓ |
One-Time Costs
Standard Onboarding
Includes chart of accounts rebuild, system setup/conversion, payroll migration, compliance review, KPI framework design.Cleanup / Catch-Up Work
Includes historical bookkeeping, tax corrections, prior-year adjustments, CRA cleanup.Financial Stack Implementation
Setup of accounting software, payroll systems, AP/AR automation, reporting tools.
10+ Years of CPA-Backed Expertise
Meet Meridian
Meridian is a modern accounting and tax advisory firm built on precision, strategy, and long-term thinking.Where most firms focus narrowly on compliance, we align accounting, tax, and finance into one integrated system, ensuring every dollar, every decision, and every structure works in your favour.Our approach is deliberate and analytical. We take the time to understand how money actually moves through your business, then design a financial architecture that keeps more of it in your hands. With clarity, rigor, and proactive planning at the core of our work, we give business owners the confidence that every decision is grounded in certainty rather than guesswork.In today’s economy, a coordinated accounting, tax, and finance strategy is not optional; it’s essential. When these functions work together instead of in silos, your business becomes stronger, more resilient, and far better positioned for growth.
Our Business
Our philosophy reflects our long-term commitment to clients and the principles that guide our work.We focus on sustainable financial outcomes rather than reactive year-end cleanups. This means planning before deadlines, advising before problems arise, and designing systems that hold up as your business grows. Our operating model is intentionally stable: no hourly billing, no hidden fees, no last-minute panic.We combine three complementary capabilities that work best when managed together:
Our Values
Analytical
Our recommendations are grounded in disciplined analysis, deep technical understanding, and a comprehensive view of accounting, tax, and finance.Every solution is researched, reviewed, and tailored to the client’s long-term interests.
Principled
We treat every client’s financial decisions with the same care we would apply to our own.Integrity is non-negotiable. We tell the truth, even when it’s uncomfortable. This mindset builds long-term relationships rooted in transparency and trust.
Practical
We embrace technology, systems, and modern financial tools to build efficient, accurate, and scalable processes.Our confidence in data enables us to design creative and compliant solutions for each client’s unique challenges.
The financial foundation your business can rely on.
Accounting
We deliver disciplined monthly bookkeeping, reconciliations, payroll oversight, and owner compensation support so your business can operate with total clarity and control.
What We Do
Monthly bookkeeping and reconciliations
Payroll oversight and compliance
Owner compensation strategies tailored to cash flow and tax efficiency
Month end, quarter end, and year end closings that keep financials clean and audit ready
Support with filings and coordination with tax services
Accounts receivable, accounts payable, and vendor process support when required
Our Approach
We are not a data entry service. We act as a true financial partner. By understanding the operational rhythms of your business, we create consistent financial systems that reduce errors, improve visibility, and strengthen decision making.Our focus on clarity and consistency frees you to run your business without worrying about whether the numbers are accurate, current, or aligned with your goals.
Who We Serve
Small businesses, professional service firms, startups preparing to scale, and established companies that need reliable monthly accounting support to maintain financial discipline and informed operations.
Why Choose Meridian
Integrated bookkeeping and payroll
Strong communication and transparent reporting
Systems designed to scale as your business grows
A forward looking mindset that prioritizes readiness, accuracy, and confidence
Bottom Line
Start with an accounting review and get a clear view of your current financial foundation.
Proactive planning to protect your bottom line
Tax
We deliver corporate and personal tax support designed to minimize tax, eliminate surprises, and ensure full compliance with every obligation.
What We Do
Annual tax optimization planning
Corporate tax planning and compliance
Personal and self employed tax returns
GST and HST registration, planning, and filing
Tax efficient compensation and distribution strategies
Support for multi province operations when applicable
Our Approach
Tax is not a once a year activity for us. We work throughout the year to ensure opportunities are not missed and risks are not left to chance.Our process begins by understanding your business, ownership structure, income patterns, and long term goals. With this information we design a tax strategy that supports better cash flow, fewer surprises, and stronger financial outcomes.
Who We Serve
Business owners, incorporated professionals, self employed individuals, contractors, and growing companies that require proactive tax planning rather than simple compliance.
Why Choose Meridian
Integrated tax and accounting for complete consistency
Year round planning instead of last minute reactions
Clear explanations and actionable recommendations
A strategic approach that protects both business and personal wealth
Bottom Line
Book a tax planning consultation to strengthen your financial position for the coming year.
CFO level guidance for businesses ready to grow
Finance
We go beyond compliance. Our finance services provide clarity, forecasting, and strategic financial leadership that help you make informed decisions with confidence.
What We Do
Financial reporting with clear insights, not just data
Forecasting, budgets, and cash flow modeling
CFO level strategic guidance for higher tier clients
KPI tracking and performance dashboards
Scenario planning for investments, expansion, or restructuring
Coordination with accounting and tax for a unified financial view
Our Approach
We combine detailed accounting knowledge with strategic financial thinking.Our goal is to give business owners the visibility and confidence required to make meaningful decisions. Every report, model, and recommendation is designed to highlight opportunities, quantify risk, and support long term planning.
Who We Serve
Entrepreneurs, growth stage businesses, and companies that need deeper financial visibility without hiring a full time CFO.
Why Choose Meridian
A complete financial suite that combines accounting, tax, and finance
Strategic guidance that evolves as your business grows
Actionable reporting that leads to better decisions
A partner invested in your long term success
Bottom Line
Speak with a finance advisor to get clarity on your next steps.
Last Modified Q2 2025
How Canadian Small Businesses Can Keep More Profit
Running a small business in Canada can be exciting, but taxes are one of the biggest challenges. Many business owners pay more than necessary simply because they do not fully understand the system. Learning how the Canadian small business tax system works can help you keep more of your hard-earned profit and reinvest it into growth.
Small Business Deduction (SBD)
The Small Business Deduction reduces the federal corporate tax rate on the first $500,000 of active business income. This means more money stays in your company instead of going to taxes. Qualifying for the SBD can significantly lower your tax bill each year. Proper planning ensures you maximize this deduction while staying fully compliant with CRA rules.
Provincial Tax Incentives
Each province offers unique tax incentives for small businesses. These can include credits for hiring employees, investing in technology, or conducting research and development. Leveraging these incentives reduces taxes owed at the provincial level and can free up capital to invest in growth. Many business owners miss these opportunities simply because they are not aware of what is available.
Expense Optimization
Properly categorizing and tracking business expenses can reduce your taxable income. Common deductible expenses include home office costs, vehicle expenses, professional fees, and software subscriptions. Careful bookkeeping ensures every eligible expense is claimed and supports accurate reporting for audits or CRA reviews.
Income Deferral Strategies
Holding some income inside your corporation rather than taking it all as personal income allows you to control the timing of taxes. Deferring income can be particularly effective if you anticipate lower personal tax rates in future years or want to reinvest in business growth.
Bottom Line
At Meridian, we help small business owners navigate these strategies, ensuring they keep more profit safely and efficiently.Do not leave profits on the table. Book a free consultation today to discover how your business can save on taxes and maximize retained earnings.
Last Modified Q3 2025
Ways to Maximize Your
Take-Home Pay
Paying yourself the right way can make a huge difference to your personal finances. Business owners often overpay taxes or miss opportunities to grow wealth simply because they do not have a clear strategy. The key is balancing salary, dividends, and benefits to maximize take-home pay while keeping your business healthy.
Salary versus Dividends
Salaries reduce corporate taxes because they are deductible, but they are taxed personally at standard income rates. Dividends, on the other hand, are taxed differently and can sometimes reduce your overall tax burden. The ideal strategy depends on your income, personal tax rate, and business goals. At Meridian, we help owners determine the right mix for maximum efficiency.
Retirement Contributions
Taking a salary allows you to contribute to retirement accounts like RRSPs or pension plans, which reduces personal taxable income. Planning compensation with retirement in mind ensures you save for the future while reducing taxes today.
Employee Benefits
Benefits such as health coverage, dental, life insurance, and professional development enhance your total compensation without increasing taxable income significantly. Choosing the right combination can improve your financial security and provide non-taxable value for you and your family.
Holistic Tax and Financial Planning
The most effective compensation strategies integrate corporate and personal tax planning. By looking at the full picture, including your business growth plans and personal financial goals, you can optimize take-home pay while maintaining compliance and preparing for the future.
Bottom Line
At Meridian, we design owner compensation strategies that match your unique business and personal goals, ensuring you take home more money safely.Pay yourself smarter. Book a free consultation today and learn how to optimize your compensation for maximum take-home pay.
Last Modified Q3 2025
Holding Companies Can
Protect Wealth and Reduce Risk
If your business is growing beyond a single company, a holding company can be a powerful tool. Holding companies offer protection, tax efficiency, and flexibility for future investments. Understanding how they work and when to use them can safeguard your wealth and create opportunities for long-term growth.
Asset Protection
A holding company separates operational assets from investments. This means if the operating company faces financial issues or creditor claims, critical assets held by the holding company remain protected. This structure provides peace of mind and reduces personal risk.
Tax Advantages
Holding companies can facilitate tax-efficient income splitting, dividend flow, and deferral strategies. This allows you to move profits in ways that reduce personal tax exposure and give your business flexibility in distributing income over time.
Investment Flexibility
Profits retained in a holding company can be reinvested in other businesses, real estate, or passive income streams without triggering immediate personal taxes. This creates opportunities for growth while keeping funds legally sheltered.
Succession and Estate Planning
Holding companies simplify ownership transfer and succession planning. They make it easier to pass the business to the next generation or plan for retirement, reducing potential legal complications and tax consequences.
Bottom Line
At Meridian, we guide business owners through holding company structures to maximize protection, reduce tax risk, and support long-term growth and wealth management.Protect your wealth and plan for the future. Book a free consultation to see if utilizing a holding company is right for you.
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