Second Banana - Bookkeeping & Advisory

05/15/2026

"I'm thinking of incorporating"

It's a sentence I hear frequently from clinic owners.

It sounds simple. Revenue goes up → I'm growing → I'm going to incorporate.

But, it's really important to talk to your accountant AND bookkeeper before you move forward. There are a lot of things to consider (new HST account, new QuickBooks account, new bank accounts, possibly new Stripe account, extra monthly costs, new insurance policy, asset rollover, update contract with your subcontractors, ...)

I'm currently writing an article / e-book about what to do and what to know when you incorporate from a sole proprietorship, specifically for therapy, chiro, and wellness clinics.

Stay tuned. Although it can take another while 😏

(PS. Feel free to share questions you have about this topic.)

05/13/2026

Nothing puts me more in my element than a rainy day (no kidding!) and starting the morning with a lovely Google review.

Very grateful for the kind people I get to work with every day! Rain or shine 😁

05/08/2026

How many software subscriptions do you have? 🧐

I recently wrote a short blogpost on how to avoid paying too much for them.

A simple 20-minutes-per-year check can easily save you lots of money.

Read it here:

Are you paying for software you no longer use? Many business owners have more subscriptions than they realise. This simple 10-minute check helps you spot unused tools, reduce costs, and bring clarity to your finances without giving up what you actually need.

03/02/2026

Many clinic owners choose subcontractors because it feels easier than hiring employees.

And it is... if you do it the right way.

I wrote a new blog for coaches, therapists and other clinic owners on how to properly work with subcontractors and avoid stress at tax time.

👉 Read it here:

Hiring subcontractors can be a beautiful thing. For coaches, therapists, and other health professionals running a clinic, subcontractors often mean: • A VA who keeps things moving • A marketing specialist • Another practitioner • An IT professional • A bookkeeperIt feels strategic and flex...

02/17/2026

If you’re a coach or therapist and your revenue has picked up lately, this is for you.

I often hear, “I’m under 30K this year, so I don’t need to worry about HST.” But the 30K rule is based on four consecutive calendar quarters, not your fiscal year.

If your growth pushes you over the threshold and you don’t register in time, you still owe the CRA the HST from that date, even if you never charged it to your clients.

One 10K month without charging 13% means $1'300 coming 𝗼𝘂𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗽𝗼𝗰𝗸𝗲𝘁, plus possible interest and penalties.

If you’re close to 30K, make sure you understand how the rule works or get proper advice.

Growth is exciting. Tax surprises are not 😏

01/24/2026

We often expect bookkeeping to deliver constant insights and big “aha” moments.

In reality, when it’s done well, it feels boring in the best possible way: calm, predictable, and reliable 🧘‍♂️

I wrote a new blog about what that should feel like for business owners who don’t love admin.

Read it here 👇

Good bookkeeping doesn’t create excitement. It creates calm, confidence, and predictable numbers you can trust, without needing to be an admin person.

01/16/2026

If you’re a coach or therapist working with subcontractors, make sure to have them invoice you for their sessions.

Some practices only use compensation reports to support the payouts to their subcontractors, but the CRA prefers invoices.

Two reasons:
1. Invoices clearly support the payout expense.
2. They help show that the subcontractor is working as a self-employed and not as an employee.

A small step that keeps your books clean and defensible.

12/15/2025

A common frustration I hear from business owners is this:
“I feel like I’m always the one chasing my bookkeeper.”

And that is not really what you were hoping for, right?

You probably hired a bookkeeper to take something OFF your plate.
Not to ADD another mental to do item.

This is exactly where my role with Second Banana comes in.

I take the lead on the bookkeeping.
I keep things moving.
And when I need something from my client, I tap them on the shoulder.
Sometimes once. Sometimes twice. Sometimes a friendly third time 😉

My clients do not have to manage their bookkeeping.
They get to trust that it is being handled.

Proactive, not reactive.
That is what a support service should feel like.
So you can focus on the parts of your business that really need you.

12/09/2025

Earlier this year, the lovely owners of a therapy practice came to me for bookkeeping help.

→ We streamlined their process so they can follow their numbers monthly.
→ We fixed duplicate income in their books that would have increased their taxes.
→ We stopped unnecessary credit card interest.

They’re now able to pay themselves confidently and set money aside for taxes. And, they use their monthly reports to actually plan ahead.

Below is part of their 5-star Google review 🤩

I’m grateful every day that my work supports people who spend their days supporting others.

12/05/2025

Most people have something in their business that feels overwhelming. For me, that’s cybersecurity (amongst other things 😅).

So I outsource it. I invest in IT experts (real people, not only software) who monitor things behind the scenes, make sure my systems stay secure, and step in when needed.

And cybersecurity is not something I take lightly.

My clients trust me with their most confidential information and that trust deserves a reliable security setup.

Just like my clients trust me with their numbers, I trust the experts who keep those numbers safe 🙏