S & M Tax Services

Do you pay personal income tax by instalments?

For most individuals required to pay instalments in 2026, the next CRA due date is September 15. Check your CRA instalment reminder and account rather than assuming the amount. Late or insufficient instalments may result in interest and penalties.

This is a reminder, not individualized advice. If you are unsure how the notice applies to you, review your situation before the deadline.

Official CRA due dates: https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/individual-payments/income-tax-instalments/due-dates.html

You do not need to live in Oshawa to receive personal tax support.

S & M Tax Services works with clients across Canada, excluding Quebec. After the right service is confirmed, engaged clients receive secure TaxDome portal access for document exchange. Questions are resolved and the result is explained before filing.

Book a consultation: https://cal.com/taxconsultation/calendar

Self-employed and operating as a sole proprietor?

S & M Tax Services is offering eligible prospective clients a complimentary 15-minute high-level tax accuracy check. We’ll review selected areas of up to two previously filed T1 returns, including T2125 business statements, for possible errors, inconsistencies, or items that may need closer review.

This is not a comprehensive verification and does not guarantee savings, a refund, or accuracy. Incorporated businesses are not included. Secure TaxDome upload is provided only after eligibility is confirmed.

Call our AI intake assistant at 647-800-6769 for eligibility and booking.

https://smtaxservices.ca/

Self-employed? Separate business spending from personal spending before tax season.

Use a consistent system to record the date, supplier, business purpose, amount and payment method for each expense. Keep the supporting receipt or invoice with the record. Clear bookkeeping helps you explain your numbers and reduces the year-end scramble.

Need practical filing support for a sole proprietorship or small business? Start here: https://smtaxservices.ca/business-tax

Forgot a slip or expense on a return that has already been filed?

Don’t file the same return again. The CRA says you must wait until you receive your Notice of Assessment before requesting a change. A return may be adjusted for missing income, deductions, credits or expenses.

If you are unsure what changed or what documents support the correction, get organized before submitting an adjustment.

CRA support and adjustments: https://smtaxservices.ca/cra-support

Tax support is not only for April.

S & M Tax Services helps with:

• Personal and family tax returns
• Self-employed and small-business filings
• T2125 business reporting and GST/HST support
• CRA reviews, notices and adjustments

Based in Oshawa and available remotely across Canada, excluding Quebec. Clear questions, organized documents and an explained result—before filing.

Explore our services: https://smtaxservices.ca/services

Pause before you click a message claiming to be from the CRA.

The CRA says it will not send refunds by text or e-transfer, demand payment by gift card or cryptocurrency, or threaten arrest. If a message creates panic and asks for money or personal information, stop and verify it through an official Canada.ca channel.

When in doubt: don’t click the link, don’t reply and don’t share personal information.

Official CRA guidance: https://www.canada.ca/en/revenue-agency/corporate/scams-fraud/recognize-scam.html

Tax season feels easier when your records are already organized.

A simple monthly habit can help: keep income slips, expense receipts, donation receipts, medical receipts and CRA notices in one secure place. The CRA generally advises keeping tax records and supporting documents for at least six years—even when a return was filed online.

Need help understanding what belongs in your file? S & M Tax Services supports personal, self-employed and small-business clients in Oshawa, across Durham Region and remotely across Canada (excluding Quebec).

Learn more: https://smtaxservices.ca/tax-faqs

Missing old tax returns? It’s never too late to start getting back on track.

Whether one year or several years are unfiled, S & M Tax Services can help you identify the missing returns, organize the available slips and CRA correspondence, and understand the appropriate next step.

Book a confidential consultation: https://cal.com/taxconsultation/calendar