Brochu & Associates Ltd.

10/22/2026

🏡🧡 BUYING YOUR FIRST HOME? YOU COULD BE MISSING OUT ON THOUSANDS!

Big tax news for Ontario homebuyers in 2026! 🍁

At Brochu & Associates Ltd., we believe buying your first home should be an exciting milestone, not an overwhelming financial experience.

With mortgage payments, legal fees, moving expenses, and everything else that comes with homeownership, every dollar matters.

That’s why we want to share a new tax break that many Ontarians may not know about!

💰 NEW FIRST-TIME HOME BUYERS’ GST/HST REBATE!

Eligible first-time buyers purchasing a newly built or substantially renovated home could qualify for:

🏠 Up to $50,000 back from the federal portion of HST!

🏠 Up to $80,000 back from the Ontario portion of HST!

That’s potentially up to $130,000 in combined HST relief, depending on your purchase and eligibility!

Let’s make it simple.

Imagine you’re buying your very first newly built home for $800,000 before HST.

Normally, the 13% HST would amount to $104,000.

Under the new rebate rules, an eligible first-time buyer could potentially receive relief for that entire $104,000!

That’s money that could make a tremendous difference to a young family starting out.

❤️ BUT HERE’S WHAT YOU NEED TO KNOW!

This rebate isn’t available to everyone.

Generally:

* You must qualify as a first-time homebuyer.
* The property must be newly built or substantially renovated, not simply an ordinary resale home.
* The home must be intended as your primary residence.
* Your purchase agreement generally must have been signed on or after March 20, 2025.
* The rebate begins reducing for homes valued over $1 million, and other conditions apply.

⏰ DON’T WAIT UNTIL TAX SEASON!

These rebates have application deadlines, and the paperwork matters.

Whether you’ve already purchased a qualifying home in 2025 or 2026, or you’re planning to buy, now is a great time to understand your options.

At Brochu & Associates Ltd., we can help you review your situation, understand the tax implications, and determine which rebate rules may apply.

Don’t leave money on the table simply because you didn’t know what was available!

📅 Book your consultation today!

🔗 https://shorturl.at/juPZO

📚 Want to read the official CRA information yourself?

https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses/gst-hst-rebates/first-time-home-buyers-gst-hst-rebate.html

Brochu & Associates Ltd.
Your Superior Tax Solutions
🧡 Proudly serving our community for 15 years!

10/22/2026

🧡 GOOD NEWS FOR OUR HARDWORKING PERSONAL SUPPORT WORKERS! 🧡

At Brochu & Associates Ltd., we believe the people who spend their days caring for others deserve a little care themselves, too!

Whether you’re helping seniors remain comfortable in their homes, supporting residents in long-term care, or simply making someone’s day brighter, the work you do matters! ❤️

🍁 NEW FOR THE 2026 TAX YEAR!

Eligible Personal Support Workers (PSWs) may qualify for a refundable federal tax credit of up to $1,100!

💰 Here’s how it works:

* 5% of eligible employment earnings.
* A maximum credit of $1,100 per year.
* Eligible earnings are reported under Code 96 on your 2026 T4 slip.
* Eligibility depends on your duties, employer, and work setting.

Not every caregiver will qualify, but our team can help you understand the requirements.

❤️ You spend your days looking after everyone else. Let us help look after your taxes!

📚 Want to read more?

We’ve included the official Canada Revenue Agency information so you can review the details yourself:

🔗 https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/completing-filing-information-returns/t4-information-employers/t4-slip.html

Look for Code 96 – Eligible PSW income.

At Brochu & Associates Ltd., we’re proud to support the hardworking people who care for our families and communities.

Brochu & Associates Ltd.
Your Superior Tax Solutions
🧡 Proudly serving our community for 15 years!

Information on T4 slips for employers; how and when to complete and distribute the slips, box 45, how to amend, cancel, add, or replace T4 slips; how to correct CPP, EI and salary overpayment errors; and approval of customized forms.

10/16/2026

☀️ Happy Friday, Everyone!

I thought I’d take a moment to reintroduce myself to some of our new followers and share a little about the person behind the numbers!

👋 I’m Derek Brochu, Founder & Principal Accountant at Brochu & Associates Ltd.

For the past 15 years, I’ve had the pleasure of helping individuals, families, and business owners navigate the world of taxes, accounting, and everything in between.

But there’s a lot more to me than tax returns and spreadsheets!

❤️ I’ve been happily married to my wonderful wife, for 13 years, and we’re proud parents of 11-year-old twins.

🏈 When I’m not at the office, you’ll often find me on the football field coaching youth football and watching our son develop his love for the game.

🐎 When I’m not on the sidelines, I’m cheering on our daughter at her horseback riding competitions. Nothing beats watching your kids work hard at something they love!

🏒 And yes, I still lace up my own skates and play hockey a few times a week. Apparently, I’m not quite ready to hang them up yet!

At the end of the day, I’m a husband, a dad, a coach, a hockey player, and a small business owner just like many of you.

I’ve always believed that accounting is about more than just numbers. It’s about people, relationships, trust, and helping families and businesses succeed.

To our longtime clients, thank you for being part of our journey over the past 15 years. And to our new followers, welcome! I look forward to getting to know you.

Have a fantastic Friday and a wonderful weekend! 🍁

Derek Brochu, CTP
Founder & Principal
Brochu & Associates Ltd.
Your Superior Tax Solutions

10/14/2026

Call now to connect with business.

10/09/2026

Tossing business receipts into a vehicle console or clearing out your wallet without tracking them quietly drains cash. Every paper receipt that goes missing turns into an expense you cannot claim on your tax return. Setting aside five minutes to log deductions keeps your hard-earned revenue right where it belongs. What is your go-to system for organizing paperwork throughout the month?

10/05/2026

You Don’t Have to Do It Alone

Doing your own bookkeeping can be daunting, time-consuming, and frustrating—and sometimes trying to save money by doing it yourself can actually cost you more in the long run.

As a business owner, your time has value. The hours you spend sorting receipts, entering transactions, balancing accounts, and worrying about HST or payroll are hours you could be spending selling, growing your business, and taking care of your customers.

That’s where we come in.

At Brochu & Associates Ltd., we can take care of the paperwork so you can focus on what you do best—running your business.

Bookkeeping • Payroll • HST • Cash Flow • Year-End Services

☕ Leave the receipts, calculator, and paperwork to us. Your time is better spent building your busines

10/04/2026

A shoe box full of paper receipts will not hold up well during a CRA review.

The biggest mistake business owners make with tax audits is assuming bank statements are enough proof. The CRA wants to see the actual itemized bill showing what was purchased, the date, and the HST paid. If you cannot produce that exact piece of paper or clear digital image, they can simply disallow the expense and send you a reassessment bill with interest.

Setting up a simple, weekly routine to snap and store clean copies of those slips takes five minutes. It saves weeks of panic later.

How do you currently track your business expenses? Let us know in the comments.

Protect your enterprise with smart CRA audit preparation. Organize your records, verify deductions, and maintain steady Ontario tax compliance with confidence.

09/30/2026

09/25/2026

Ever notice how much smoother things run when your business finances are actually organized? There’s something satisfying about knowing your books are in order and your tax questions have real answers (not just guesses). Whether you’re self-employed or running a growing business, having a reliable system makes a difference.

How do you keep your financial paperwork from piling up? Any tips that help you stay on top of things during the busy months? Drop your best ideas below, let’s help each other out!

09/25/2026

Plan Before Year-End — Don’t Leave Money on the Table

Before your business year-end arrives, now is the time to take a good look at your numbers and start planning.

Good tax planning isn’t something you should wait until tax time to think about. By then, many of your planning opportunities may already be gone.

At Brochu & Associates Ltd., we can sit down with you before year-end and review your:

Budgeting • Cash Flow • Tax Planning

The goal is simple: understand where your business stands today, identify opportunities before the year closes, and help you prepare for what’s ahead.

Don’t leave money on the table. Plan today for a stronger tomorrow.

📅 Book your year-end planning meeting today.
226.663.8291
book online at https://tinyurl.com/yr94e9nv
[email protected]