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.