January 15, 2025•5 min read
2025 Tax Planning Strategies for Small Businesses
Salary vs. dividend, SBD optimisation, immediate expensing, shareholder loans and SR&ED — seven moves to make before year-end closes the window.
Read MoreOur Services
Three connected practices. One trusted firm.
01
Private Client
Discreet tax and wealth services for individuals, families and high-net-worth households.
- Personal Tax
- Wealth Planning
- Estate & Succession
- Cross-Border
Explore Practice
02
Corporate
Full-spectrum corporate accounting, tax and compliance for growing businesses.
- Corporate Tax
- Bookkeeping
- Payroll
- HST / GST
Explore Practice
03
Advisory
Forward-looking strategic advisory — virtual CFO, forecasting, valuations and M&A.
- Virtual CFO
- Forecasting
- Valuation
- M&A Support
Explore Practice
About Us
About PAG Financial CPA.
A CPA Ontario professional corporation based in Oakville — partnering with founders, professionals and families across the GTA on everything from monthly bookkeeping and T2 returns to SR&ED claims, succession planning and CRA representation.
30+
Years Combined Industry Experience
1,000+
Clients Served
$100M+
Saved for Our Clients to Date
Our Values
We Listen, Think Independently,
Advise & Take Action
The principles that guide every decision and interaction at PAG Financial CPA.
Integrity
We file what's defensible, document what's claimed, and tell you when something doesn't pass review — even when the answer isn't the one you wanted.
Client Focus
One senior CPA owns your file from onboarding through year-end — no rotating juniors, no re-explaining your business each season.
Expertise
Cross-industry depth — professional services, healthcare, law firms, real estate and construction, startups and technology, e-commerce, hospitality, manufacturing, logistics and nonprofits — so the playbook fits your situation, not a template.
Transparency
Fixed scopes, written quarterly recaps, and a single point of contact who can explain what changed in your numbers and why it matters.
"Clarity, Compliance, and Strategy — Your Partner in Financial Growth"
Our Team
Meet Our Team.
Decades of combined experience in Canadian tax, finance, and compliance.
BH
Basit Hameed
CPA, CEO & Founder
Thirty-plus years across public accounting, banking and corporate finance — leading PAG's complex T2, restructuring, succession and CRA-representation files for owner-operated businesses across the GTA.
Insights
Insights & Articles.
Stay informed with our latest insights on tax planning, accounting best practices, and financial strategies.
January 10, 2025•7 min read
Understanding CRA's New Digital Services Tax
The 3% DST is now in force. Who's caught, how to source Canadian revenue, the €750M group threshold, and the June 30 filing deadline — explained.
Read More
January 5, 2025•4 min read
HST Changes: Impact on Your Business in 2025
The GST/HST holiday, NRRPR rebate expansion, short-term-rental platform rules, ITC gaps and the $30,000 registration trap — six HST updates to action now.
Read MoreFAQ
Accounting & Tax FAQ's
Straight answers on credentials, fees, remote work and CRA representation — what most clients ask before their first call.
24/7
Expert Support
Secure portal access · year-round
A Chartered Professional Accountant (CPA) has completed rigorous education, practical experience, and examination requirements. CPAs are licensed professionals who can provide a full range of accounting services, including audits, tax planning, and financial advisory services. Regular bookkeepers or accountants may not have these credentials or be able to provide the same level of expertise and professional assurance.