Professional Financial/Taxation Consultations over Personal Tax Filing
Why My $50-$60 Personal Tax Filing Service Is Often Misunderstood — And What It Really Includes
Every year, I help hundreds of Canadians file their personal tax returns — the T1 General filing that ensures their income, credits, deductions, and benefits are properly reported to the Canada Revenue Agency (CRA).
I charge between $50 and $60 for this service. It’s affordable, transparent, and professionally managed. But every year, I also notice a recurring misunderstanding among some clients — one that I want to clarify once and for all.
What My $50–$60 Personal Tax Filing Actually Covers
When you work with me to file your taxes, you’re not just paying for a form to be submitted. You’re paying for a complete, compliant, and carefully reviewed tax filing process that includes:
Your complete T1 General Filing – prepared, reviewed, and e-filed directly to CRA.
An annual review of your slips, credits, and deductions – to make sure you claim what you’re eligible for.
365-days of WhatsApp Support – for any questions related to your filed tax return.
This means that even after your return is filed, if you receive a CRA Notice of Assessment, an inquiry, or have a doubt about something that was included in your return, you can simply message me — and you’ll get a professional reply, free of charge, as part of your service.
That’s a tremendous value for $50–$60 — not just because of the work involved, but because it gives you peace of mind all year long that your taxes are in safe hands.
Where the Confusion Begins
Now, here’s where the misunderstanding usually starts.
Because I offer 365 days of WhatsApp support, some clients assume that they can reach out to me for any type of financial question — whether it’s about retirement planning, investments, life insurance, or corporate tax strategy — and that all of this advice is somehow covered under that $50 tax filing fee.
It’s understandable. When you find a professional who’s responsive, knowledgeable, and genuinely cares, it’s natural to want to seek their opinion on other aspects of your finances too.
However, there’s a crucial difference between tax filing and tax planning — and that’s where I want to bring clarity.
Tax Filing vs. Tax Planning — Two Completely Different Services
Let’s break it down clearly.
1. Tax Filing (Included in your $50–$60 Fee)
Tax filing is a compliance service. It’s about reporting your financial year accurately to the CRA:
Preparing and submitting your T1 General
Answering questions related to your T1 General Filing.
Ensuring your documents are properly HIPAA maintained.
Responding to basic CRA queries related to your filed return.
It’s technical, precise, and requires expertise — but it’s limited to one thing: making sure your taxes are correctly filed for the previous year.
2. Tax Planning (A Separate Professional Service)
Tax planning, on the other hand, is a forward-looking advisory service. It involves:
Reviewing your income structure
Strategizing how to reduce next year’s taxes
Evaluating RRSPs, TFSA contributions, or incorporation options
Coordinating tax-efficient investment or insurance plans
Designing personal and business structures that minimize tax exposure over time
This process takes time, expertise, and analysis — and it’s customized for every client. It’s not a quick WhatsApp answer. It’s a full financial strategy.
So when a client says, “Can you tell me how to reduce my taxes next year?”, that’s not a follow-up question about last year’s filing.
That’s a Professional Tax Planning Consultation — and like any professional service, it deserves its own fee.
A Real-Life Example
Recently, one of my personal tax clients — someone whose taxes I filed last year — reached out asking me to “work out a plan” to help him reduce his taxes for next year.
He wanted to know if that service was free, or if the advice would be “adjusted” against the tax filing fee charged last time or for the next filing.
It was a fair question, and one that I appreciate, because it reflects how many clients genuinely don’t realize how much deeper tax planning goes.
Tax filing is about last year.
Tax planning is about the future — and it’s where real wealth preservation begins.
That kind of work takes analysis, research, scenario planning, and strategic thinking — and it’s not something that can be bundled into a $50 filing service.
Why This Distinction Matters — For You
Understanding this difference isn’t just about respecting professional boundaries; it’s about recognizing the value of specialized advice.
If you treat tax planning as “Free advice,” you risk missing the opportunity to implement strategies that could literally save you thousands of dollars every single year.
Let’s put that in perspective:
A simple RRSP timing strategy could save a taxpayer $2,000 or more in one year.
Using a spousal contribution or family income-splitting approach could reduce total household taxes by several thousand dollars.
Incorporating your business or restructuring your income could create long-term, tax-free growth opportunities.
These are not “Free” results — they are the outcomes of informed planning.
So when you invest in professional tax or financial planning, you’re not just paying for advice — you’re buying expert insight that directly impacts your wealth.
How I Serve My Clients Beyond Tax Filing
While my $50–$60 personal tax filing is designed to make tax compliance simple and affordable for everyone, my broader practice focuses on helping individuals and business owners structure their finances efficiently and tax-free over time.
This includes services like:
Personal and corporate tax planning
Retirement and investment planning
Whole life and corporate insurance strategies
Incorporation setup and payroll guidance
Business succession and estate strategies
Each of these requires a dedicated consultation, a discovery process, and customized recommendations.
So when you’re ready to take that next step — beyond just filing — I invite you to book a planning session. That’s where the real value begins.
Setting Clear Boundaries in a Digital World
I love being accessible to my clients. WhatsApp has been a wonderful way to stay connected — quick, informal, and convenient.
But accessibility doesn’t mean every service is free.
Imagine asking your lawyer for ongoing legal advice over text, or your doctor for continuous health consultations after an annual check-up — all for the same small fee. It wouldn’t be fair to them, and it wouldn’t be sustainable either.
Similarly, in my tax and financial practice, accessibility is a bonus convenience, not an unlimited consultation pass.
So yes — if you have a question about your filed return, CRA notice, or tax documentation, you can message me anytime.
But if your query requires analysis, forward-looking advice, or a financial plan — that’s where a professional consultation begins.
My HIPAA Compliant Canadian Tax Filing (T1)
Many clients often ask why my personal tax filing services start at only $50–$60, especially when filing taxes is such an important financial responsibility.
The answer is simple: I believe everyone — students, families, and self-employed professionals — should have access to professional, accurate, and affordable tax filing. My goal is to make sure Canadians can stay compliant and confident about their taxes without financial strain.
However, affordable does not mean cutting corners or undervaluing expertise. My practice operates with HIPAA-level compliance, ensuring your data and privacy are always protected. Backed by over three decades of experience, I provide a depth of knowledge and service that can’t be matched by bank advisors or representatives tied to a single financial institution.
This approach creates a strong financial foundation for every client — one that can grow into comprehensive financial and retirement planning whenever you’re ready to take that next step.
From Tax Filing to Financial Freedom
My goal has always been to guide people beyond compliance and into strategy. Filing your taxes is just the start. True financial growth happens when you:
Understand your tax structure
Plan your investments efficiently
Protect your income through insurance
Build long-term, tax-free wealth
And that’s what I offer through my holistic financial planning practice.
Final Thoughts
If you’ve filed your taxes through me — thank you. You’re part of a growing community of Canadians who value accuracy, transparency, and ongoing support.
But remember: your $50–$60 filing fee covers your tax return and year-round support for questions related to that tax filing only.
If you want to move to the next level — tax planning, financial growth, and wealth preservation — that’s a separate service, tailored specifically & customised for you.
I’m always happy to help you transition from basic filing to proactive planning. All it takes is a simple message or call to start that process.
Because while your tax filing reports your past, your tax planning can shape your future.