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Consulting CPA, CGA - Business & Practice Advisor
Balbir Singh Saini publishes independent briefings for founders, families, and operators across Canada. Articles, services, and updates live here
Cover note
The TFSA is a powerful tool for tax-free growth, but exceeding your limit triggers stiff penalties. Here is how over-contributions happen and how to fix them.
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Practice
Mississauga · Canada-wide · CPA, CGA
This is Balbir’s owned channel for clients, colleagues, and anyone who wants a clearer read on Canadian tax and finance. No algorithm. No rented audience. Essays, service notes, and practice updates are published here and in the mobile app from the same source of truth.
Services
Cloud books
Paperless bookkeeping, payroll, and financial statements that operators can actually use.
Open
Bank-ready files
Business plans and projections written for credit committees, not for a slide deck.
Open
Buy-side
Read the books, the tax positions, and the deal math before you sign.
Open
Representation
HST, income tax, and WSIB audit support with a calm, documented response.
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Before year-end
Structure, timing, and compensation decisions made while there is still a year left to act.
Open
Personal & corporate
Accurate T1, T2, and GST/HST filings with a paper trail that survives review.
Open
From the desk
For incorporated business owners, deciding how to pay yourself is an important part of proactive tax planning. The choice between salary and dividends affects more than your personal tax bill. It can also influence Canada Pension Plan contributions, RRSP room, corporate cash flow, financing applications, and long-term wealth building.
Business
Social networks rent the audience. A personal site and app keep the writing, the list, and the record.
Tax
Salary, dividends, and HST elections only help if they are decided while the year is open.
