Jennifer Kapedani CPA

09/30/2026

The cash flow projection you built in January was your best guess. Now you have real numbers, and Q4 is when the big cash decisions land.

Swipe for a quick 4-step re-forecast to help you see what's coming before it hits your bank balance 👉

When did you last update yours? 💭

09/24/2026

Tax instalments trip up more growing businesses than almost anything else — not because they're hard, but because no one explains how to estimate them.

Here's the short version: as your tax bill grows, CRA expects you to pay through the year instead of all at once when you file. The hard part is landing on the right number: pay too little and you're charged interest, pay too much and you're impacting your cash on hand.

Swipe for the two ways to estimate them — and why the Q3 numbers you (hopefully) just reviewed are exactly the data you need to get this right.

09/23/2026

09/16/2026

September always feels like a second January.

Summer's snuck out the back door, calendars are filling back up, and back-to-school energy is officially in full swing.

That same flow and focus is worth bringing into your business too.

We're three quarters into 2026 — now's the time to shape how it ends.

This month we're sharing a few frequently overlooked (but empowering) checks to guide your Q4 strategy:

→ Reviewing your Q3 numbers (not to grade yourself — to see what they're telling you)
→ Getting your tax instalments right
→ Updating your cash flow projections
→ Understanding your real, effective tax rate

No pressure, no judgment — just walking into year-end clear and in control.
Save this, share it, and follow along. Let's finish the year strong 🍁

-Jennifer & your team @ Kapedani Associates

09/14/2026

The CRA’s next quarterly instalment deadlines are fast approaching:

➡ Tuesday September 15th for Individuals (including the self-employed)

➡ Wednesday September 30th for eligible CCPEs with December 31st year-end.

Not sure how either – or both – might apply to you? Here are some points to consider. And, if you still have questions, we’re always here to connect – book a call with us to find out more (https://www.kapedanicpa.ca/contact).

07/30/2026

As a business owner, the questions and decisions can feel overwhelming. One decision I often see people wrestling with is figuring out the right time for a big business purchase ... or second guessing if they should have waited a little longer, instead.

If that sounds familiar, here are 4 questions – and metrics – worth exploring.

And, if you have something big on your radar for the back half of this year, book a call with us to see what the numbers are really telling you. (https://www.kapedanicpa.ca/contact)

07/24/2026

Salary or dividends? I get asked this a lot, and the answer remains the same: It depends on your numbers, not someone else's rule of thumb.

Swipe to learn more about the actual trade-offs — and see why most owners end up picking a mix, not a side.

Besides the fact that the right mix is unique to individual situations, the other big take away is this: It's not a decision that you make once and forget it. This is something to revisit every year. And if you haven't done this in a while, now is the time.

Save it, share it, and remember it. And when you're ready to think about what mix is right for you, give us a call -- we'll be ready. (Book today: https://www.kapedanicpa.ca/contact)

07/21/2026

Since you first opened your business, it's changed. You (and it) have stretched. You've adapted, and you've grown.

But has the way you pay yourself done the same? Keep reading for 4 questions to ask yourself.

And if it's time for a re-think, we're here to help, too. Book a free discovery call with us today.