Anchor & WaveAccounting
Sui Qu, CPA, CA, in Wolfville, Nova Scotia

How we can
work together

At Anchor & Wave, ongoing accounting, regular reporting, and financial guidance help you understand your results and plan ahead. I also prepare corporate, personal, and GST/HST returns, and take on one-time setup or catch-up projects to bring overdue records up to date.

Sui Qu, CPA, CAFounder & Principal

Accounting that fits your business

Ongoing accounting starts with keeping your records and GST/HST filings current, with the option to add monthly reporting, tax planning, and forecasting as you need them.

Core

From $350 per month

For businesses that want their monthly accounting and GST/HST filings completed on schedule and ready for year-end tax filing.

Every engagement includes

  • Monthly accounting, with bank and credit card reconciliations
  • Monthly financial reports showing your revenue, expenses, and account balances
  • GST/HST return preparation and filing, including responses to related CRA notices
  • Receipt capture and document processing
  • Year-end accounting adjustments and supporting records ready for tax filing
  • Payroll accounting using reports from your payroll platform

Lower-volume businesses can start on a quarterly schedule from $250 per month.

Ask about Core

Growth

From $900 per month

For businesses that want to understand what is affecting their profit and cash flow, with monthly discussions on upcoming decisions.

Everything in Core, plus

  • Monthly performance reporting with key metrics, prior-period comparisons, and explanations of significant changes
  • Cash-flow reporting on what customers owe, bills to pay, and where cash is tied up
  • Monthly call with me to review your results and discuss upcoming decisions
  • Year-round tax and owner-compensation planning to structure how you pay yourself and set aside funds
  • Project, job, or client profitability tracking to guide decisions about the work you take on

Your annual income tax return (T2 corporate or T1 sole-proprietor) is included after 12 paid months.

Ask about Growth

Strategic

From $1,900 per month

For businesses that want forward-looking financial planning, budgeting, and hands-on guidance as their operations grow or change.

Everything in Growth, plus

  • Cash-flow forecasts and working-capital analysis to help plan payments and identify potential shortfalls
  • Annual budget preparation and regular updates, with monthly comparisons against actual results
  • Pricing and cost analysis to track margins across your products or services and identify where adjustments are needed
  • Scenario analysis to evaluate the financial impact before you commit to new hires, major purchases, or expansion
  • Ongoing working sessions to review your forecasts and adjust your financial plan as priorities shift
  • Recommendations to improve your accounting processes, systems, and internal controls

If you already have a bookkeeper or accounting team, I can work alongside them to provide financial planning and oversight.

Ask about Strategic

Fixed monthly pricing

Monthly fees are fixed based on your transaction volume, payroll, and the number of accounts and entities. You'll receive a written proposal with the included work and exact monthly price before we start, and if your records need catch-up first, I will review and price that separately.

Included annual tax return

In Growth and Strategic, each paid month covers one-twelfth of your annual tax return, so the filing is included in full after 12 months, or you pay only the remaining balance if it's due sooner. This applies to a corporate return (T2) in one province or a personal return (T1) with one business schedule (T2125).

Switching accountants

With your permission, I'll request your prior filings and records from your current accountant, review completed and outstanding work, and check upcoming deadlines. We'll confirm what I am taking over and when it will start, and if your current software works well for your business, we can continue using it.

Tax filings and starting prices

Tax returns are priced upfront based on the schedules required and whether your records are ready for filing.

Ask about tax filings

Corporate income tax return (T2)

From $1,100

Year-end tax preparation and filing for a private corporation operating in one province, based on your completed annual accounting records.

Standalone GST/HST return

From $125 per return

Annual, quarterly, or monthly GST/HST filing prepared from your reconciled sales and expense totals. Ongoing filings are already included in Core, Growth, and Strategic.

Personal income tax return (T1)

From $200

Personal tax preparation and filing, including employment, investment, and retirement slips, common deductions, and tax credits.

Added to a personal return

Self-employment income (T2125)

Add $250

Income and expenses from one sole proprietorship or partnership.

Rental income (T776)

Add $200

Rental revenue and expenses for one property.

Prior-year and overdue returns

Overdue filings start with a review of the outstanding years, available records, and any CRA notices. I will confirm the filing fee before we start, and if your records need catch-up accounting first, I will price that separately.

Review and filing

Before anything is filed, you receive the draft return with a walkthrough of the numbers, including any balance owing, instalments, or expected refund. Once we've gone over your questions and you approve the return, I'll submit it and outline the next steps.

Accounting setup & catch-up

One-time projects to set up accounting software, bring overdue records up to date, or resolve a specific tax or reporting issue.

Ask about a project

Software setup or migration

$125 per hour

I set up new software or move your data from spreadsheets or another system, including your chart of accounts, opening balances, bank feeds, and tax and payroll settings.

Catch-up accounting and corrections

$125 per hour

If your records have fallen behind, I reconcile bank and credit card accounts, correct errors from earlier periods, and align payroll and GST/HST balances so you're ready for tax filing.

Systems and workflow review

$125 per hour

I examine how your accounting software, payment processors, and receipt tools connect, with recommendations on what to simplify or change first so recurring work takes less effort.

Focused diagnostic

$300 fixed fee

A two-hour review of a specific accounting or tax question, or of past periods before a full catch-up. You receive a written summary of findings, information gaps, and next steps.

Fixed or hourly project pricing

Projects are billed hourly or priced as a fixed fee upfront when the work is straightforward to define. When older records are harder to estimate at a glance, we can begin with the $300 diagnostic and set the fee from there.

Working with your records

You won't need to reorganize spreadsheets or summarize transactions before reaching out. I can start directly from your existing software, bank statements, and sales reports, and let you know if anything is missing.

Wave hello

I work remotely with small businesses across Nova Scotia and Ontario. If you have a specific service in mind or want to discuss what your business needs, use the form or email me at sui@anchorandwave.ca, and you'll hear back within one business day!

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Sui Qu kneeling beside Atlas on the Nova Scotia coast
Atlas · Unofficial office supervisor