06 · Owner's guides
What we'd tell you in the first meeting, written down.
These are the two questions we answer most, published in full so you can arrive at any accountant's office — ours or someone else's — already understanding the shape of the decision. They're education, not advice: the right answer depends on numbers these pages can't see.
All guides
G01 · Guide
Incorporated vs. sole proprietor: when it's actually worth it
The honest version of the incorporation decision — what changes, what it costs, and the break-even question nobody asks you.
9-minute read · updated May 2026
G02 · Guide
Paying yourself: salary vs. dividends, without the folklore
How owner pay really works in a Canadian corporation, why “dividends save tax” is mostly folklore, and the factors that actually decide it.
11-minute read · updated June 2026
Why only two guides?
Because these two decisions — whether to incorporate, and how to pay yourself once you have — cover most of the real money for most owner-run businesses. We'd rather publish two guides worth reading twice than forty rewrites of a CRA page. More are drafted; they'll appear when they're good.
99 · Next step
The guides frame the decision. Your numbers decide it.
Read first if you like — then bring the specifics to a consultation and we'll run your actual math, in writing, before you commit to anything.