CPA & Business Accountant Kitchener-Waterloo

Accounting that
understands what you
actually do

Most accountants treat every business the same way. That works fine until the details of your industry are the whole problem. Garcia Financial is built around a handful of businesses I know deeply, so you spend less time explaining your own model to the person filing your return.

Who I work With

Six kinds of business. Each one has a page explaining the specific problems I see and what I do about them.

MSPs

Where you margin actually goes, service line by service line.

Travel Advisors

Commission, GST, and host reconciliation done properly.

Real Estate

Rental properties, structure, and what the CRA expects.

Trades and Construction

Job costing, subcontractors, holdbacks, and cash flow.

Professional Services

Incorporated professionals and how to pay yourself.

Owner-Managed Businesses

Everything else, if your business is incorporated.

Depth Beats Breadth

I know your industry's specifics
Not "we serve small business." I know how commission splits work, how MSP contracts get priced, what a construction holdback does to your cash position. That knowledge shows up in your file, not just in conversation.
You get a CPA, not a queue
You deal with me. I use AI and a small team to handle production work, which is why I can go deep on the judgment part instead of drowning in data entry.
The numbers arrive before you need them
Reporting that shows up while you can still act on it. Year-end should confirm what you already knew, not surprise you in April.

HOW IT WORKS

A 20-minute call. You tell me what’s going on. I ask questions. If I’m not the right fit, I’ll say so and point you somewhere useful.
A written proposal. Scope, what’s included, what isn’t, and the fee. No hourly surprises.
Onboarding. I set up CRA authorization, your file structure, and your books. Most clients are fully running within two weeks.

WHO YOU'D BE
WORKING WITH

I’m Mark Garcia. I’m a CPA in Kitchener-Waterloo, and I’ve spent most of my career doing CFO work for owner-managed companies, the kind where the owner is still in the business every day and the decisions are real.

Garcia Financial is built to keep that level of attention while serving more than a handful of clients. That means standardized delivery behind the scenes and a real accountant in front of you.

Accounting thatunderstands what youactually do