Business Advisory Services
in Surrey, BC

An Advisor Who Understands Your Numbers

Running a business in Surrey means making decisions every day with incomplete information and real consequences. Should you incorporate? Can you afford to hire? Is your pricing sustainable? What's your business actually worth? These are questions that deserve thoughtful, experienced answers — not generic advice pulled from a website.

As your business advisor, Roxana Moghadam combines 30+ years of accounting expertise with genuine care for the businesses she serves. She's seen startups scale, family businesses transfer between generations, and profitable companies collapse from poor financial decisions. That experience informs every conversation.

Should You Incorporate? We'll Help You Decide.

Incorporation is one of the most consequential decisions a small business owner makes. It affects your tax rate, your personal liability, your ability to split income with family members, your access to the Lifetime Capital Gains Exemption, and the credibility of your business in the eyes of clients and lenders.

It's also not always the right move — especially early on. A sole proprietorship or partnership may be simpler and more cost-effective until your net income reaches the threshold where the corporate tax advantage outweighs the complexity and cost.

We walk through the numbers with you — your current and projected income, your personal tax rate, your plans for the business — and give you a clear recommendation. If incorporation makes sense, we coordinate with a BC lawyer to make it happen efficiently.

Business Startup Advisory

Starting a business in Surrey? The first financial decisions you make set the tone for everything that follows. Getting your business structure, chart of accounts, GST registration, and bookkeeping system set up correctly from day one avoids costly corrections later.

• Choosing the right business structure (sole prop, partnership, corporation)
• BC and federal business registration guidance
• GST/HST registration and first remittance setup
• Opening the right business bank accounts
• Setting up your accounting software correctly
• Building a simple cash flow forecast for your first 12 months
• Understanding what records CRA expects you to keep

Financial Analysis and Performance Review

Many business owners know their revenue but have little visibility into what's actually driving profit — or eroding it. We conduct detailed financial analyses that go beyond the surface numbers: gross margin by product or service line, overhead as a percentage of revenue, break-even analysis, and trend comparison across periods.

These analyses often reveal opportunities and problems that wouldn't otherwise be visible. A single product line running at a loss, a customer segment that costs more to serve than they pay, a rent or payroll ratio that's quietly squeezing your margins — we find these things and help you act on them before they become crises.

Business Sale and Succession Planning

Whether you're planning to sell your business in two years or hand it off to a family member in ten, the steps you take today determine how much you walk away with. The Lifetime Capital Gains Exemption (currently over $1 million for qualifying small business shares) is one of the most valuable tax provisions available to Canadian business owners — but accessing it requires careful advance planning and the right corporate structure. We help you structure ownership, timing, and the sale process to preserve as much of that value as possible.

Cash Flow Planning and Forecasting

Cash flow problems kill profitable businesses. We build rolling 12-month cash flow forecasts tailored to your business model — incorporating seasonal patterns, known obligations like tax remittances and loan payments, and planned investments. With a clear forecast in hand, you make hiring and expansion decisions with confidence instead of anxiety.

Get Practical Advice Built on Real Numbers

Good business advice is grounded in your actual numbers — not generic templates. Book a free consultation and tell us where you are and where you're trying to go. We'll give you honest, actionable guidance based on what the numbers actually show.