About UsPricingReviewsContact UsClient Portal loginBook a Free 30-Min Call
About UsPricingReviewsContact UsClient Portal loginBook a Free 30-Min Call
Services
Get caught up
Catch-Up BookkeepingFrom $1,800Books & payroll
BookkeepingFrom $350/monthPayrollGet a quoteSR&ED ClaimsEnd-to-end SR&ED claims, quoted after consultationSR&ED for Software CompaniesQuoted after consultationSR&ED-Ready BookkeepingBooks + T2 for SR&ED claimsTax filing
Corporate Tax (T2)From $800 · nil T2 from $249GST/HST Filing$150 per returnPersonal Tax (T1)From $110 · students from $49Sole Proprietor Tax (T1 + T2125)From $300Start & grow
IncorporationFrom $499 + gov feesVirtual CFOFrom $2,500/monthAI Consulting & AutomationFor small businessesIndustries
Construction & tradesConsultantsTech startupsReal estateHealthcareSee all industries →More
PricingService areasAll services →Accounting and Tax for Ontario Immigration Consultants (RCICs)
Client account records, HST for clients inside and outside Canada and practice finances, handled by a CPA-led accounting firm.
24/7 receptionist, a real person answers.
- Every return is reviewed by a CPA
- No surprise bills
- Reply within one business day
- 24/7 receptionist: a real person answers
- QuickBooks Online, Xero and Dext
- Rated 5.0 stars from 29 Google reviews (read our reviews)
T-Ledgers is a CPA-led accounting firm working with Ontario Regulated Canadian Immigration Consultants and immigration consulting firms, from solo practitioners to practices with several licensees and support staff. Wajahat Ajmal, CPA, FCCA, has been practising since 2020. We handle bookkeeping, HST, payroll and corporate and personal tax, and every return is reviewed by a CPA.
Immigration consulting has its own record-keeping rules. Advance payments go into a client account, government fees are often paid on a client’s behalf, and many clients live outside Canada, which changes how HST applies.
Immigration consulting tax and bookkeeping issues we handle
Rules, rates and thresholds change. We confirm the current figure for your situation on the call before relying on it.
Client account records
The College’s Code of Professional Conduct requires advance payments to be held in a client account at an approved financial institution, with receipts, separate records for each client and no other funds mixed in. We keep your client account ledger reconciled so your records are ready if the College asks.
Law: Code of Professional Conduct for College of Immigration and Citizenship Consultants Licensees s.32 (advance payments held in a client account); College of Immigration and Citizenship Consultants Act.
Fees, disbursements and government fees
Your professional fees are revenue. Government processing fees and other amounts you pay on a client’s behalf need to be recorded consistently so they aren’t mistaken for your income or expenses. We set up your books to keep these separate.
HST for clients in and outside Canada
HST generally applies to your services for clients in Canada. Some services supplied to non-residents can be zero-rated, but there are exceptions, including services rendered to an individual while they’re in Canada. We review where your clients are and when the work is done.
Law: Excise Tax Act s.165 (GST/HST imposed); Excise Tax Act Schedule VI, Part V, s.7 (services supplied to non-residents); Excise Tax Act s.148(1) (small supplier, $30,000).
Foreign currency payments
Clients abroad often pay in US dollars or other currencies. Amounts have to be reported in Canadian dollars, and we record the exchange gains and losses.
Sole practice or corporation
We look at whether practising through a corporation makes sense for you, and at owner pay, instalments and the small business deduction.
Law: Income Tax Act s.125(1) and 125(7) (small business deduction; “personal services business”); Income Tax Act s.156.1(1) (instalment threshold).
Records and reviews
Keep client files, receipts and bank records for at least six years for tax purposes. Clean books also make College reviews and any CRA questions much simpler.
Law: Income Tax Act s.230(1) and 230(4) (books and records, six years); Excise Tax Act s.286(1) and 286(3) (records, six years).
Key rules at a glance
← Swipe to compare →
| Rule | What it means for you | Law |
|---|---|---|
| Advance payments in a client account | Hold advance payments in trust at an approved institution | Code of Professional Conduct for College of Immigration and Citizenship Consultants Licensees s.32 (advance payments held in a client account) |
| College oversight | Licensing and professional conduct for consultants | College of Immigration and Citizenship Consultants Act |
| HST on services | HST generally applies to services for clients in Canada | Excise Tax Act s.165 (GST/HST imposed) |
| Services to non-residents | Some can be zero-rated, with exceptions | Excise Tax Act Schedule VI, Part V, s.7 (services supplied to non-residents) |
| Canadian currency | Report foreign currency in Canadian dollars | Income Tax Act s.261(2) (Canadian currency) |
| Books and records | Keep records for six years | Income Tax Act s.230(1) and 230(4) (books and records, six years) |
Who we work with
- Solo Regulated Canadian Immigration Consultants
- Immigration consulting firms with several licensees
- Practices with many clients outside Canada
- Consultants also offering study permit services
- New RCICs setting up their practice
- Practices with support staff on payroll
T-Ledgers services for immigration consulting businesses
- Client account reconciliations. Monthly reconciliation of your client account to each client’s ledger.
- Monthly bookkeeping. From $500/month (Scale), with books closed by the 10th; quarterly bookkeeping from $350/month (Growth). Your fixed fee is confirmed after a free call (see bookkeeping).
- Catch-up bookkeeping, from $1,800 per year. We rebuild past years and file what’s overdue (see catch-up bookkeeping).
- Bookkeeping Review, $195/month or $295/quarter. For owners who keep their own books.
- GST/HST returns, $150 per return. (see GST/HST services).
- Payroll. Quoted after a free call (see payroll services).
- Corporate (T2) and personal (T1) tax. Corporate returns quoted after a free call; personal tax returns from $110 + HST/GST, with your final price confirmed after a free call. Owner T1s can be prepared alongside the T2 (see corporate tax and personal tax).
- Virtual CFO, from $2,500/month. Cash flow, margins and growth decisions (see Virtual CFO).
Prices are + HST/GST. Anything without a listed price is quoted after a free call, and you get the price in writing before any work starts.
How we work with immigration consulting businesses
- Free call. We ask about your practice, where your clients are and how client funds are handled.
- Written price. Scope and price in writing before any work starts.
- Setup. Client account ledger, HST codes by client location and currency accounts set up.
- Monthly rhythm. Books and client account reconciled monthly, HST filed on time.
- Year-end. T2 and T1, reviewed by a CPA.
Why immigration consulting businesses choose T-Ledgers
- We know client account rules. Advance payments, government fees and clients outside Canada are part of our normal conversation.
- CPA-led, start to finish. T-Ledgers was founded by Wajahat Ajmal, CPA, FCCA. Every return is reviewed by a CPA before it's filed.
- No surprise bills. You get the scope and the price in writing before we start. If the work changes, we agree the new price with you first.
- Price matching, agreed up front. Have a comparable written quote? Bring it to us before you sign your proposal. We can only match a price when it's agreed before the proposal is signed.
- Fast, human answers. We reply within one business day, and our 24/7 receptionist means a real person answers when you call 866-254-5368.
- In person or online. Meet us in person, by appointment only, at our Etobicoke office (102-89 Skyway Ave, Etobicoke, ON M9W 6R4) or our Mississauga office (100 Matheson Blvd E #204, Mississauga, ON L4Z 3P8), or work with us entirely online.
- Your software, set up properly. We work in QuickBooks Online and Xero, and use Dext so receipts go in with a photo.
Meet your CPA
Wajahat Ajmal, CPA, FCCA, Founder, T-Ledgers Accounting. Verify my CPA Ontario membership.
I started my career as an audit associate at KPMG. Since then I’ve worked as an independent contractor for a tax filing company, preparing returns and handling client questions. I hold a BSc in Applied Accounting from Oxford Brookes University and an MSc in Professional Accountancy from University College London. I’m a Chartered Professional Accountant in Ontario and a Fellow of the ACCA. I started taking on my own clients in 2020 and founded T-Ledgers in 2023.
Every return the firm files is reviewed by a CPA. You can read more about the firm on our About page.
What our clients say
Read more on our client reviews page.
DIY vs a generalist firm vs T-Ledgers
← Swipe to compare →
| DIY | Generalist firm | T-Ledgers BEST VALUE | |
|---|---|---|---|
| Client account ledger | Spreadsheet | Bank reconciliation only | ✓Reconciled to each client monthly |
| HST on clients abroad | Charged on everyone or no one | Varies | ✓Reviewed by client location and service |
| Government fees | Mixed into expenses | Often mixed | ✓Kept separate from your income |
| Who checks the return before it's filed | You do | Depends on the firm and who's assigned | ✓Every return is reviewed by a CPA |
| How you're billed | Software fees plus your own time | Often hourly; the final bill can vary | ✓Scope and price in writing up front. No surprise bills |
| Getting an answer | Search online or wait on CRA phone lines | Varies by firm | ✓Reply within one business day; 24/7 receptionist, a real person answers |
| Software | Whatever you set up yourself | May ask you to switch to their system | ✓QuickBooks Online, Xero and Dext |
| Meeting face to face | Not applicable | Varies | ✓In person by appointment in Etobicoke or Mississauga, or fully online |
| Price matching | Not applicable | Rare | ✓Available if agreed before you sign your proposal |
Frequently asked questions: Immigration consulting
In a client account at a financial institution approved by the College, with receipts and separate records for each client.
Yes, monthly, to each client’s ledger.
Kept separate from your own revenue and expenses. We set up the accounts.
Some services supplied to non-residents can be zero-rated, but there are exceptions, for example services to an individual while in Canada. We review your situation.
Once your taxable revenue is over the $30,000 small supplier threshold, yes.
Yes, as input tax credits on business purchases when registered.
In Canadian dollars, with exchange gains and losses recorded.
It can make sense once profits are steady. We look at your numbers first.
If your net tax owing is over the CRA’s threshold, generally yes.
Yes, including your client account ledger and HST registration.
At least six years for tax purposes.
Yes, fully online, or in person by appointment.
GST/HST returns are $150 per return, catch-up bookkeeping starts from $1,800 per year, the Bookkeeping Review is $195/month or $295/quarter (from $450 per review for complex books). Payroll and corporate (T2) returns are quoted after a free call. Personal tax returns from $110 + HST/GST, with your final price confirmed after a free call. Prices are + HST/GST. You get the price in writing before any work starts.
Yes, if you have a comparable written quote and bring it to us before you sign your proposal. We can only match a price when it’s agreed before the proposal is signed.
Yes. Snap receipts with Dext, share documents through our client portal and talk by phone or video. You can also meet us in Etobicoke or Mississauga by appointment.
Book a free call through our contact page or call 866-254-5368. We reply within one business day.
Keep your practice’s books College-ready
Book a free call to talk about client accounts, HST and your practice. We reply within one business day, and a real person answers 24/7 at 866-254-5368.
Reviewed by Wajahat Ajmal, CPA, FCCA. Updated October 15, 2026.
Related services: Bookkeeping · Catch-up bookkeeping · Corporate taxes · Personal tax · Payroll · Virtual CFO · Contact us
Related industries: Consultants · Lawyers · All industries
Rates and thresholds change, so we link to the official sources for current figures.