Your questions answered

Yes. Breakwaters provides bookkeeping, payroll, tax, financial reporting, and outsourced finance support. We tailor the engagement to your business, from a single service to a more complete finance function.

Our partners are Nuwan Liyanage, CPA (Canada), CPA (Australia), ACMA CGMA (UK), and Navodanee Senanayake, ACMA CGMA (UK). Your business has a dedicated contact and support shaped around the work required.

Yes. We review your existing records and accounting systems, identify outstanding issues, and agree a transition process designed to keep disruption to a minimum.

We support Canadian entrepreneurs, small and growing businesses, established companies, non-profits, franchises, and accounting firms. A free consultation helps us understand whether our services fit your priorities.

Bookkeeping offers Foundation (up to 500 transactions), Momentum (up to 1,500), and Navigator (unlimited). Payroll has three tiers for 1 to 10, 11 to 20, and 21 to 30 employees. Personal tax offers Essentials and Advantage; business tax offers Essentials, Advantage, and Strategy. CFO services offer CFO Foundations, CFO Growth, and Strategic CFO Partner, with 4, 8, and 16 dedicated CPA hours per month respectively. Compare the inclusions on our Packages & quotes page, then request a tailored quote.

CFO Foundations includes 4 dedicated CPA hours per month, a CPA-led review of monthly financial statements, a quarterly finance review meeting, and email support for finance questions. CFO Growth includes 8 hours per month, all Foundations services, a 12-week cash-flow forecast updated quarterly, and budgeting and forecasting support. Strategic CFO Partner includes 16 hours per month and builds on Growth with a 20-week forecast updated monthly in place of the 12-week forecast, plus lender and financing support, AI and accounting automation advisory, and board reporting support. Hours are the total included in each package, not cumulative across tiers. We provide a tailored quote before work begins.

We provide a tailored quote before work begins. Your records, workload, employee count, payroll frequency, and additional requirements shape the price. We confirm transaction allowances and the applicable counting period for bookkeeping. Catch-up work and services outside your package are quoted separately.

Tier 1 supports 1 to 10 employees and two pay runs per month. Tier 2 supports 11 to 20 employees and Tier 3 supports 21 to 30, both with unlimited pay runs per month. All tiers include T4 preparation, Records of Employment, tax remittance and compliance support, and direct deposit. For a team of more than 30, contact us to discuss a separate scope.

Yes. The initial consultation, diagnostic review, and clean-up assessment are free. Any bookkeeping clean-up work itself is priced separately after we assess the scope.

There are no onboarding or setup fees and no minimum term. Existing engagements can be ended with one week’s notice, subject to the agreed engagement terms and handover responsibilities.

We provide catch-up and clean-up bookkeeping. We first review how far the records are behind and the work needed, then provide a scoped quote before moving to ongoing support.

We support QuickBooks Online, Xero, and Sage, with integrations including Stripe, PayPal, Hubdoc, and Plooto. We can work in your current systems or discuss a migration. For payroll, we support QuickBooks Payroll and Payworks.

Client documents are shared through a secure cloud portal arranged during onboarding. Please keep SINs, bank details, tax returns, payroll files, and passwords out of the public enquiry form.

The monthly close and reporting target is five working days into the following month. Support is aligned to your business time zone, with response commitments and delivery timing agreed for the assigned work.

Quebec payroll and tax services are not offered at launch. Alberta corporate filing support is available. We confirm province-specific requirements and service scope before accepting an engagement.