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Zachary Cummings, CPA

Business advice for small business owners

Owners with a decision coming up: incorporating, hiring a first employee, buying equipment or working out how to pay yourself.

Two renovators cutting trim on a mitre saw inside a house

What's included

  • ✓ Incorporation advice (whether to, and when)
  • ✓ Salary and dividend planning for your own pay
  • ✓ Cash flow forecasts for a hiring or purchase decision
  • ✓ Projections and budgeting for the year ahead
  • ✓ Dashboards showing the numbers that matter for your business

How it works

  1. 1

    Free 20-minute call

    Tell me what you're trying to decide, and I'll tell you what I need to see, like your books, quotes or projections.

  2. 2

    Your numbers

    I build a model from your actual numbers instead of using a general rule of thumb.

  3. 3

    Decision call

    We go through the options and trade-offs together before you commit to anything.

Common questions

I only have one question. Do I need to sign up for something ongoing?

No. That's what the free 20-minute call is for. Lots of those calls never turn into ongoing work, and that's fine.

When should I incorporate?

There isn't one income number where it always makes sense. It depends on how much the business earns, how much you need to take out to live on, and the extra cost of running a corporation. That's exactly the kind of decision I run the numbers on with you.