Cathleen Rulli, CPA

Cathleen Rulli, CPA Offering accounting services with a focus on small business, personal taxes and trusts. Making the DTC less overwhelming—and easier to understand.

Specializing in assisting families in the disability commmnity navigate DTC, RDSP and Henson Trusts. Canadian CPA specializing in small business accounting, personal tax returns, and DTC. I’m passionate about financial literacy and making finances easier to understand.

05/28/2026

There are so many ways to spend our money and saving money isn’t fun but it serves a purpose. Naming the purpose helps. Nobody needs to save just because. We need to save because life happens, because we want to travel and retire.

What are you saving money for right now?Be specific.When savings has a purpose, it’s easier to stick to.Are you saving f...
05/27/2026

What are you saving money for right now?

Be specific.
When savings has a purpose, it’s easier to stick to.

Are you saving for:
• A tax bill?
• A home?
• A buffer for slow business months?
• Retirement?
• Something fun?

Drop it below 👇 to let me know what you're saving for?

Yes, your business should have more than 1 bank account.The purpose of multiple accounts to have the money set aside to ...
05/23/2026

Yes, your business should have more than 1 bank account.

The purpose of multiple accounts to have the money set aside to pay CRA and to ensure you keep getting paid if your business income drops.

CRA sends refunds/benefits via direct deposit or cheque. Etransfer is not an option.
05/22/2026

CRA sends refunds/benefits via direct deposit or cheque. Etransfer is not an option.

If you can't pay off the debt in 1 year CRA, you can be considered for financial hardship but CRA will require quite a b...
05/20/2026

If you can't pay off the debt in 1 year CRA, you can be considered for financial hardship but CRA will require quite a bit of paperwork to be considered, including a detailed budget.

Never ignore CRA debt

GST/HST eligiblity is automatically calculated when you file your tax returns, you do not need to apply.
05/17/2026

GST/HST eligiblity is automatically calculated when you file your tax returns, you do not need to apply.

I see the stress at tax time. How am I going to pay HST AND my personal taxes.If your business doesn't have the money se...
05/16/2026

I see the stress at tax time. How am I going to pay HST AND my personal taxes.

If your business doesn't have the money set aside to pay CRA you're only adding stress to your life.

CRA does not message you to say there is an error with your account, which will need to be updated. You are asked to tex...
05/15/2026

CRA does not message you to say there is an error with your account, which will need to be updated. You are asked to text back “HELP”, then may be asked to provide personal information. If you have trouble logging into your CRA account, contact CRA directly via phone.

Whether you should amend a return or not is a personal decision but know it can end up being a lot more work than expect...
05/13/2026

Whether you should amend a return or not is a personal decision but know it can end up being a lot more work than expected.

CRA does not email you links or payment threats. When you're signed up for CRA mail, you will receive an email notificat...
05/10/2026

CRA does not email you links or payment threats. When you're signed up for CRA mail, you will receive an email notification telling you, you have mail and to sign into your CRA account. The email does not provide a link.

When your business has success it's easy to feel like the money will keep coming in like this forever but for many busin...
05/09/2026

When your business has success it's easy to feel like the money will keep coming in like this forever but for many businesses income will fluctuate.

Is your business cashflow set up to handle the lows?

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Virtual Options
Richmond Hill, ON

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm

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