Pricing
Clear scope. Fixed monthly fees.
All prices are in CAD. Monthly fees and onboarding are plus applicable taxes. Your monthly service fee stays the same unless you move tiers; there are no add-ons.
For small businesses that need the books handled
Monthly Books
- Your books done every month, up to 150 transactions
- Up to 2 bank or credit card accounts balanced to the statement
- Income and direct costs organised by line of work, separate from overhead
- Client deposits, advance payments and prepaid expenses put in the right months
- Your numbers in your inbox by the 10th business day
- Kick kept current, so you're not guessing
- Questions on your books by email, answered inside 2 business days
Setting up & catching up from $750, one time, plus applicable taxes
Starts with a 90-day pilot at $500/mo — how it works
Ask about Monthly BooksFor owners making pricing, hiring and cash decisions
Business Insight
- Everything in Monthly Books, with room for 400 transactions and 4 accounts
- Client and project margins, using recorded time and direct costs
- Recurring revenue changes and supplier billing checks, where applicable
- A plan for the year, and a monthly note on where you're off it and why
- A 13-week look ahead at cash, including payroll and supplier commitments
- A 30-minute call each month to walk through the numbers
- Answers inside 1 business day
Setting up & catching up from $1,800, one time, plus applicable taxes
Starts with a 90-day pilot at $1,200/mo — how it works
Ask about Business InsightFor established businesses planning their next move
Fractional CFO
- No cap on transactions or accounts
- Up to 3 companies rolled into one picture
- Everything in Business Insight, with financial plans for a new hire, a major contract change or an acquisition
- A budget for the year, and a quarterly package built for your bank
- Books ready for a lender, or for a buyer's questions if you're selling
- A call every two weeks
- Same-day answers on a direct line
I take this on for businesses I already keep books for, so that I can give it the attention it needs. If you're already a client, ask.
Inquire moreClient margins, project margins and supplier billing checks need usable time, billing and supplier records. I check the exports before you sign and tell you which reports you'll get. The books alone can't supply missing hours.
The setup fee is quoted plus applicable taxes after I've looked at your actual books, not off this list. Two years of catching up costs more than a tidy file, and you should see that number before you commit to anything monthly.
Side by side
What's in each tier.
Swipe the table sideways to compare all three →
| Monthly Books | Business Insight | Fractional CFO Existing clients |
|
|---|---|---|---|
| What it costs | |||
| Monthly fee on the annual plan, plus applicable taxes | $450 | $1,100 | By arrangement |
| 90-day pilot rate, plus applicable taxes | $500 | $1,200 | By arrangement |
| Setting up & catching up, from, plus applicable taxes | $750 | $1,800 | By arrangement |
| How much work it covers | |||
| Transactions a month | 150 | 400 | Unlimited |
| Bank & credit card accounts | 2 | 4 | Unlimited |
| Companies covered | 1 | 1 | Up to 3, combined |
| Built around a small business | |||
| Income & direct costs by line of work | Yes | Yes | Yes |
| Client deposits, advance payments & prepaid expenses | Yes | Yes | Yes |
| Client & project margins from time and cost records | — | Yes | Yes |
| Recurring revenue changes & supplier billing checks, where applicable | — | Yes | Yes |
| Cost per service hour | — | Yes | Yes |
| Financial plans for expansion or acquisition | — | — | By agreement |
| What lands in your inbox | |||
| Your monthly numbers | By business day 10 | By business day 10 | By business day 10 |
| Plan vs what actually happened | — | Monthly | Monthly |
| 13-week cash forecast | — | Yes | Yes |
| Package for your bank | — | — | Quarterly |
| Getting hold of me | |||
| Calls with me | — | Monthly, 30 min | Bi-weekly |
| How fast I get back to you | 2 business days | 1 business day | Same day, direct line |
A “transaction” means one line on your bank or credit card statement, not a time entry, job record or invoice in your business software. Transfers between counted accounts are excluded, and volume is assessed over three months. If you're above a tier's limit, I'll tell you when I look at the books, not after you've signed.
Business day 10 runs from having what I need. If your feeds, receipts or payroll haven't come in, you'll hear from me that day rather than at the end of the month.
Want the accounting detail?
Everything above in technical terms: how each balance is treated, what's counted, what gets delivered and when. Written for your accountant or your lender.
How it works
Start with a 90-day pilot.
Signing a year with someone new is a big ask. So every engagement starts the same way: a 90-day pilot at the full monthly rate, under one agreement that covers the pilot and the year that follows. At day 75 we sit down and I show you exactly what changed in your numbers. Happy? You roll into the annual plan at the lower rate. Not happy? You walk away — nothing more owed.
01
Onboard
One-time setup fee — from $750 for Monthly Books, from $1,800 for Business Insight, quoted after I've seen your books. Cleanup, chart of accounts, integrations: the full six-phase onboarding below.
02
90-day pilot
Full service at the monthly pilot rate. Day-75 review call: your books before and after, in plain numbers, and an honest read on whether we're a fit.
03
Annual plan
Rolls over automatically at the annual rate — about 10% less than the pilot rate. Opt out any time before day 90 and you owe nothing further.
The setup fee is non-refundable: it's earned doing the onboarding work. Pilot months are billed for work performed. The guarantee covers the future, not the past — you can always walk away from what's next, never from what's done.
Onboarding · six phases, run in order
What the first-month fee actually buys.
Onboarding is the real work of taking over a file. It runs in a fixed order because each phase depends on the one before it, and you get the checklist for your tier so you can see what's on you and what's on me.
01
Win the work
The engagement letter, confidentiality and security terms, and the deposit.
02
Get the keys
Access to Kick, bank and card records, receipts, tax accounts where needed, and exports from your billing and service systems.
03
Read the history
Last year's returns, a handoff from your accountant, a look at the state of the file, and getting sales tax and payroll to agree.
04
Fix the books
Accounts organised around your services, direct delivery costs and overhead. Opening balances, the backlog, who owes what, advance payments and prepaid costs, then your sign-off.
05
Build the cadence
The monthly checklist and reports for your tier. For Business Insight and up, the cash forecast, annual plan and dates for our calls.
06
Go live
Kickoff, what stays on your plate, the first month's close done together, and a check-in after 30 days.
Straight answers
Before you ask.
Do you replace my accountant?
No, and that's the point. This practice is bookkeeping and advisory only. No audit, review or other assurance work. Your accountant keeps doing your year-end and your filings; I hand them a file that doesn't need fixing first, which is usually cheaper for you at both ends.
Do you file my GST or my corporate return?
No. The sales tax accounts are reconciled monthly so the numbers your filer needs are right and on time, but the filing itself isn't in scope.
Do you run payroll?
Running payroll stays with you or whoever does it now. What comes out of it gets recorded and split into service delivery, sales and administration. If what you remitted doesn't line up with what the payroll run says you owed, you'll hear about it from me.
Can you work in the software we already use?
Books are kept in Kick. For time, projects and billing, I'll look at the systems you already use and the exports they can provide. You don't need to switch those systems just to have a conversation. Before you sign, I'll check whether the records support the reports you want and explain any gaps.
Are the prices negotiable?
The monthly fees are published, plus applicable taxes, and the same for everyone. Onboarding is quoted from your actual file, so that number moves with the state of the books.
What if my books are two years behind?
That's a catch-up quote, and it's normal. The monthly work can't start until the history is right, so I look at the books first and the catch-up gets its own price and timeline before anything monthly begins.
Where are you, and does it matter?
The work is remote, with small businesses across Canada. I'll ask where your business operates and where your clients are, including any work outside Canada, so the scope reflects the business you actually run.
Not sure where you'd land? Send me a month of books.
One month of books and the last two years of statements. You'll get back what your numbers can and can't tell you right now, what the catch-up would cost, and where I'd start you, in writing.