J & S Tax and Finance

Welcome, 2026.

A new year means a fresh chapter, new goals, new lessons, and new chances to grow. May this year bring clarity where there was doubt, strength where there was challenge, and peace in the moments that matter most.

Here’s to moving forward with intention, gratitude for how far we’ve come, and confidence in what’s ahead. May 2026 be a year of progress, meaningful connections, good health, and quiet wins that turn into big milestones.

Let’s step into this year with hope, courage, and an open heart.

Happy New Year everyone!
🤍🩵💙

Wishing you a peaceful holiday season filled with rest, laughter, and meaningful time with the people you love. May these days give you a chance to slow down, recharge, and enjoy the moments that matter most 🤍

However you celebrate, hoping this season brings comfort, joy, and a fresh start for the year ahead. 🩷

Here’s to finishing the year strong and stepping into the next one with purpose, peace, and a plan 💙

Wishing you and yours a joyful holiday season! 🎄✨

#🎄 #❤︎

Financial Wins to Complete Before Dec 31

3 financial wins to complete BEFORE Dec. 31st (that aren’t just RRSPs). 🏆
Let’s go beyond the obvious and optimize your financial position for 2025.

1. Review Your Will & Power of Attorney: Life changes. Ensure your documents reflect your current wishes and beneficiaries. This is financial wellness.

2. Prepay Property Tax or January Rent: If you itemize deductions (less common now), this can sometimes help. For business owners, prepaying expenses can be a smart move.

3. Maximize Your Health Spending Account (HSA): If you have a private health plan or one through your corporation, use those funds for dental, vision, or paramedical services before they reset.

Which of these will you tackle first? Let me know below!



Disclaimer: This is general information. Consult a professional for your specific situation.

Year-End Bookkeeping Checklist

Entrepreneurs: Don’t let messy books cost you next year.

✅ Follow this year-end bookkeeping checklist to avoid surprises with CRA:

1️⃣ Reconcile bank & credit card statements
2️⃣ Verify accounts receivable & payable
3️⃣ Review expense categories for accuracy
4️⃣ Back up accounting data securely
5️⃣ Schedule an accountant review or consultation

💡 A clean ledger now = smooth tax filing in 2026.
Tag a business buddy who needs this reminder!

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This is general information only. Consult a tax professional for your specific situation.

Q4 Tax Tips for Self-Employed Canadians

Self-employed? Q4 is the time to get your tax house in order. Many freelancers overpay or miss deductions because they wait until year-end.

Here’s your quick Q4 checklist:

✅ Organize receipts for home office, software, and mileage
✅ Estimate quarterly taxes to avoid CRA penalties
✅ Contribute to RRSP or TFSA if applicable
✅ Review past invoices & unpaid payments
✅ Schedule a tax consultation before December

💡 Taking 1 hour now could save you hundreds or even thousands in April.

Save & share for your fellow freelancers!

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