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Business Advisory Services for Canadian Founders & Owner-Managers
Strategic Financial Guidance Beyond the Tax Return
A licensed CPA who only sees you once a year at tax time cannot help you run your business. Fullstake CPA provides ongoing business advisory services for Canadian founders, owner-managers, and growing companies — combining hands-on financial expertise with practical operational insight. We are licensed Canadian CPAs based in Toronto, serving advisory clients across Canada remotely. Top Rated on Upwork since 2017.
We work with you the way an outsourced CFO would: helping you set financial direction, build the dashboards that actually matter, plan for growth, navigate funding rounds, and structure your business to minimize tax over the long term.
Our Business Advisory Services
Outsourced CFO & Fractional Finance Leadership
For businesses that need senior financial leadership but cannot justify a full-time CFO. We sit in on your leadership meetings, help you make capital allocation decisions, build investor-ready financials, and translate the numbers into strategy.
Cash Flow Forecasting & Working Capital Management
13-week and 12-month rolling cash flow models. We identify the months where you will be tight, give you the lead time to act, and structure receivables, inventory, and payables to maximize available cash.
Pricing & Margin Analysis
Most businesses are leaving 5–15% margin on the table because their pricing is set by gut feel. We analyze your unit economics, customer profitability, and competitive position to find pricing levers that improve profitability without losing customers.
Investment Round & Lender Preparation
Preparing for a seed round, bank loan, or BDC application? We build the financial model, prepare the Notice to Reader (NTR) statements investors and lenders require, and rehearse you for the financial questions that will come up.
Owner-Manager Compensation Planning
Salary versus dividends versus shareholder loan repayments — the optimal mix depends on your income level, family situation, RRSP room, and corporate tax position. We build a year-by-year remuneration plan that legally minimizes total tax across personal and corporate.
Business Structure & Holding Company Planning
Should you incorporate? Use a holding company? Set up a family trust? Restructure for the lifetime capital gains exemption? We model the alternatives and recommend the structure that matches your goals.
Growth Strategy & KPI Dashboards
We help you identify the three to five metrics that actually predict the health of your business, then build the reporting that makes those numbers visible every week — not at year-end when it is too late to act.
Industries We Advise
Crypto and Web3 businesses, SaaS and technology startups, e-commerce brands, professional services firms, healthcare practices, and incorporated consultants. We work with founders from pre-revenue through to exit.
How Our Advisory Engagements Work
Discovery & Diagnostic
We start with a free 30-minute consultation, then a paid one-month diagnostic where we get under the hood of your finances, tax position, and operations. You get a written report identifying the highest-leverage opportunities.
Ongoing Advisory Retainer
If you decide to continue, we move into a monthly retainer covering ongoing financial leadership, monthly review meetings, ad-hoc decision support, and quarterly deeper-dive planning sessions. Pricing is flat-fee and transparent.
Project-Based Engagements
For specific one-off projects — investment round prep, an exit, a major restructuring — we work on a project basis with defined deliverables and a fixed fee.
Frequently Asked Questions
What is the difference between business advisory and bookkeeping?
Bookkeeping is recording what happened. Advisory is helping you decide what to do next. We offer both — many clients use us for bookkeeping and tax, then layer advisory on top once they need higher-level financial leadership.
Do I need a CFO if I have a CPA?
Most CPAs file your taxes and prepare year-end statements. A CFO (or fractional advisor) helps you make forward-looking decisions: capital allocation, hiring, pricing, fundraising. We do both — same team, same continuity.
How much does business advisory cost?
Project work typically ranges from $3,000 to $15,000 depending on scope. Ongoing advisory retainers start around $1,500 per month for early-stage businesses and scale up with complexity. We always quote a fixed fee after the discovery conversation.
Do you work with crypto and Web3 companies?
Yes — this is a specialty area for us. We understand on-chain accounting, token treasury management, contributor compensation, and the unique tax and reporting challenges of Web3 businesses. Learn more about our crypto tax and accounting services.
Can you help me prepare for an investment round?
Absolutely. We have helped Canadian founders prepare for angel rounds, seed rounds, BDC applications, and bank financing. We build the model, prepare the financials, and coach you through the financial diligence questions investors and lenders will ask.
Ready to Bring Senior Financial Thinking to Your Business?
Whether you need an outsourced CFO, a one-time strategic project, or just a sounding board for a major decision, we would love to help. Book a free 30-minute consultation or explore our tax preparation, bookkeeping, and compilation engagement services.
Get in Touch
Serving clients across Canada with expert accounting, advisory, and crypto tax services.
Contact Information
Phone: +1 (647) 366-4827
Email: info@fullstakecpa.com
Hours: Monday to Friday, 8:30 AM – 5:00 PM ET
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