About
Garcia Financial

You know your revenue. The harder question is which contracts, which service lines, and which clients are actually making you money. That’s the work.

I’m Mark Garcia. I’m a CPA based in Kitchener-Waterloo, and Garcia Financial is my firm.

Most of my career has been CFO work for owner-managed companies. Not the boardroom version, the version where the owner is in the business every day, payroll is a real date on the calendar, and the decisions carry weight. That experience shapes how I run this practice.

Why the firm is built this way

Accounting firms usually solve growth by hiring more people and getting more general. I went the other way. I picked a small number of industries, learned them properly, and built standardized systems so the routine work runs the same way every time.

That does two things. It keeps quality consistent, because the process doesn’t depend on who’s having a good week. And it frees up my time for the judgment work, which is the part you’re actually paying a CPA for.

What I care about getting right

Reporting that arrives while it’s still useful. Straight answers, including when the answer is that you don’t need what you’re asking for. Knowing enough about your industry that you don’t have to explain it to me every year.

Where I work

Clients across Canada, outside Quebec. I’m in Kitchener-Waterloo and I’m happy to meet in person if you’re nearby, but most of the work happens remotely, which is why the location matters less than it used to.

Credentials

Mark Garcia, CPA. Garcia Financial Corporation is registered with the CRA as an authorized representative, which means I can deal with them directly on your behalf once you authorize it.