Clear Path Advisory · clearpathadvisor.ca
We are a boutique CPA practice and licensed Ontario Realtor — serving growing businesses, investors, and high-net-worth individuals who need financial clarity, accounting rigour, and real estate guidance under one roof.
Month-end close, lender reporting, cash flow, and bookkeeper oversight — scaled to your company's stage, not its headcount.
Corporate structuring, owner-manager remuneration, cross-border compliance, and proactive year-round tax strategy.
Residential and commercial acquisitions with CPA-informed deal analysis, HST planning, and full Realtor representation at no cost to buyers.
What We Do
Most clients need an accountant, a controller, and a Realtor. We are all three — coordinated, without gaps.
Senior finance leadership for companies that have outgrown their bookkeeper but aren't ready for a full-time hire.
From bookkeeping cleanup to corporate tax strategy — hands-on support at whatever level your business needs today.
Licensed Realtor services combined with CPA-informed analysis — so the numbers, structure, and transaction all work together.
Fractional Controller
Most growing businesses don't realize they need a controller until the problem is already visible — in a messy year-end, a lender request they can't answer, or cash flow that doesn't match the income statement. We step in before the scramble.
Revenue is growing but you don't have reliable monthly financials to manage by
Your bookkeeper flags issues no one can resolve — and no one is reviewing their work
Lenders, investors, or acquirers are asking for clean, reviewed financials
You're expanding — new provinces, the US, intercompany transactions — and the complexity has grown
How We Engage
One-time engagement to bring accounts current, establish a clean baseline, and set up proper processes going forward.
Ongoing controller support — typically 1–3 days per week depending on your company's size and complexity.
Audit prep, lender financing package, ERP implementation oversight, budget build, or acquisition due diligence.
We cover the role while you search for a full-time hire — and help onboard and transition to the new person seamlessly.
Real Estate
We don't just find the property — we model the numbers, advise on ownership structure, and manage the transaction end-to-end.
Commission (typically 4–5%) is set by the listing brokerage and split between buyer and seller agents.
As your Buyer's Realtor, we represent you at no direct cost to you — commission is paid by the seller out of their proceeds.
On a $1M property, the buyer's side typically receives ~$20,000–$25,000. This compensates us for full representation and advisory.
For seller representation or combined buy/sell engagements, discounted commission arrangements are available.
Investment Planning & Tax Strategy
We coordinate your real estate, corporate holdings, and personal finances into a unified, tax-efficient plan.
Coordinating real estate, equity holdings, and operating businesses into a coherent, tax-efficient wealth plan.
RRSP, TFSA, FHSA, RESP — maximizing contribution room and choosing the right account for each investment type.
Passive income rules, RDTOH, GRIP — managing retained earnings in your corporation strategically.
Timing dispositions, using the LCGE, crystallizing gains, and managing the capital gains inclusion rate.
Salary vs. dividends vs. hybrid — optimizing after-tax income based on your corporate rate, personal bracket, and CPP exposure.
Prescribed rate loans, family trusts, spousal RRSPs, and employment of family members — done legitimately and compliantly.
Coordinating rental income, flips, and property sales with your overall tax picture — including principal residence exemption planning.
Proactive quarterly reviews — managing corporate instalments, personal estimates, and CRA deadlines with no surprises.
Financing Readiness
Lenders don't just want to know you can service a loan — they want a clean, credible package. Clients who walk in with an advisor close faster, get better terms, and face fewer conditions.
Engagement Pricing
All advisory engagements are governed by a written engagement letter. Real estate representation is governed by OREA agreements and is separate from advisory fees.
Ad-hoc advice, document review, short consults
Active projects, acquisitions, new ventures, financing
Fractional controller, ongoing advisory, multi-project
Rates are negotiable for long-term or multi-service engagements. Real estate commission is paid by the seller — buyer representation costs you nothing directly. All engagements begin with a complimentary discovery conversation.
Let's Talk
Start with a 30–60 minute discovery conversation — no charge, no obligation. We'll understand where you are, where you want to go, and whether we're the right fit.