Integrated Accounting, Tax, Wealth & Insurance
Measurable financial outcomes across four synchronized pillars—engineered to reduce tax drag, accelerate reporting clarity, and compound corporate wealth.
Corporate Accounting, Cloud Bookkeeping & Payroll
Clean, real-time numbers are the foundation for every tax and wealth decision. We automate your daily bank feeds, receipt capture, GST/HST/PST filings, and employee payroll so your ledger is perpetually audit-ready.
Proactive Corporate & Founder Tax Architecture
Your personal tax return (T1) and corporate tax return (T2) should never be prepared in isolation. We model the exact mathematical blend of salary, eligible/non-eligible dividends, and corporate retention to minimize your combined lifetime tax bill.
Wealth Advisory & Corporate Surplus Strategy
Once your business generates surplus cash, passive investment income above $50,000 can claw back your Small Business Deduction and face a 50.17%+ corporate tax rate. We structure your corporate and personal portfolios to compound without triggering passive tax grind.
Corporate & Personal Insurance Solutions
In Canada, corporate-owned insurance is both a vital risk shield and an unmatched tax-sheltered asset class. We design policies funded with low-taxed corporate dollars (12.2%) rather than high-taxed personal dollars (50%+), unlocking tax-free payouts via the Capital Dividend Account.
Precision Advisory Meets Family-Office Architecture
Every client engagement combines real-time cloud financial engineering with private-wealth estate and insurance stewardship.
Interactive Corporate Tax & Wealth Estimator
Select your Canadian province, adjust your annual operating profit, and see how much capital Blocta's 4-pillar integration can retain and compound for your corporation.
Transparent Engagement & Fee Architecture
No surprise hourly billing or opaque retainers. Every pillar is structured with upfront clarity so you know exactly how we work.
Accounting, Bookkeeping & Tax
Scoped to your monthly transaction volume, payroll headcount, and corporate entities. Includes year-end T2 corporate returns, Notice to Reader statements, GST/HST filings, and unlimited year-round CPA email/call support.
Wealth Advisory & Surplus Strategy
Transparent, tiered fee-based management for corporate surplus accounts, Holding Companies, IPPs, and family trusts—with tax-loss harvesting and corporate T2 coordination built in at no extra cost.
Corporate & Personal Insurance
Our insurance architecture, actuarial modeling, and Capital Dividend Account (CDA) structuring require zero out-of-pocket consulting fees—underwritten across Canada's top institutional life and living-benefits carriers.
Frequently Asked Corporate Tax, Wealth & Advisory Questions
Direct answers on how our 4-pillar integration protects your Small Business Deduction, compounds surplus, and simplifies your accounting transition.
Instead of preparing your corporate T2 and personal T1 returns in isolation after fiscal year-end, we dynamically calibrate your salary vs. eligible/non-eligible dividend mix, maximize Small Business Deduction (10.0%–12.2%) retention inside an operating or holding company, and extract tax-free capital dividends via the Capital Dividend Account (CDA).
In Canada, every $1 of Adjusted Aggregate Investment Income (AAII) above $50,000 claws back $5 of your $500,000 Small Business Deduction. We shield your corporate surplus by reallocating high-taxed fixed income into capital-gains-focused corporate portfolios, Individual Pension Plans (IPPs), and tax-exempt corporate-owned Participating Whole Life insurance.
When your corporation owns and funds a Participating Whole Life or Universal Life policy using 11%–12.2% corporate dollars, the cash value compounds tax-exempt. Upon payout, the death benefit minus the policy's Adjusted Cost Basis (ACB) credits your corporation's Capital Dividend Account (CDA), allowing 88% to 94% of the proceeds to be distributed to your family or estate at 0% personal dividend tax.
Our Zero-Friction Accountant Switching Protocol completes the handover in 48 hours. You sign a single 10-minute digital authorization, and our CPAs contact your outgoing firm directly to retrieve prior T2 tax returns, trial balances, minute books, and Xero/QuickBooks ledgers—while simultaneously auditing your past 3 years of filings for missed tax refunds.