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514-700-2944

Midtown Montreal's Trusted Financial Experts

Your Numbers.
Our Expertise.
Your Future.

From tax returns to full financial strategy — Services DL delivers precision, integrity, and results for individuals and businesses across Quebec.

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0+Clients Served
EN/FRMultilingual
0%Client Satisfaction
Tax Savings
Avg. client benefit
$4,800
Average annual tax savings per client
100% Compliant
Federal & Quebec
100%
CRA & Revenu Québec compliant filings
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CRA Authorized Rep.
Revenu Québec Compliant
Loi 25 & PIPEDA
500+ Happy Clients
Midtown Montreal
 + In-Person & Remote
100%On-Time Filings
$4,800Avg. Tax Savings
✦Excellence in Every Step
What We Do

Comprehensive Financial Services

From startup to retirement — we handle every financial challenge so you can focus on what matters most.

Corporate Services

Full-service corporate accounting from incorporation to dissolution.

  • Company creation
  • Payroll management
  • GST/QST compliance
  • Year-end services
Learn More
Bookkeeping & Accounting

Accurate, timely financial records to keep your business compliant.

  • Monthly bookkeeping
  • Financial statements
  • Cash flow management
  • Cloud accounting
Learn More
Personal Tax Services

Expert T1 and TP-1 preparation plus year-round tax planning.

  • Federal T1 & Quebec TP-1
  • Tax optimization
  • Self-employed returns
  • Audit support
Learn More
Investment Planning

Portfolio planning tailored to your risk tolerance and goals.

  • Portfolio assessment
  • Retirement planning
  • RRSP/TFSA/FHSA
  • Tax-efficient investing
Learn More
Business Strategy

Strategic guidance to drive growth and navigate complex decisions.

  • Business planning
  • Profitability analysis
  • KPI development
  • Financing support
Learn More
Financial Health Quiz

8-question assessment with a personalized action plan — free.

  • Financial assessment
  • Personalized plan
  • Identify opportunities
  • Free & confidential
Take the Quiz
Why Services DL

The Montreal Firm That Puts You First

Strategic partners committed to your financial well-being, serving clients across Quebec with bilingual expertise.

Bilingual (EN/FR)

We serve Montreal's diverse community fluently in both English and French.

Full Regulatory Compliance

Current with CRA, Revenu Québec, and all provincial regulations — filings always accurate and on time.

Responsive & Accessible

We answer calls and emails promptly. You'll never feel like just another file number.

Our Commitment

Every client receives personalized strategies tailored to their unique financial situation.

  • Transparent, predictable pricing
  • Year-round support, not just tax season
  • Secure, encrypted document handling
  • CRA & Revenu Québec audit support
  • 100% digital — work from anywhere
  • Free 10-minute initial consultation
CRA Authorized
Revenu Québec
Loi 25
PIPEDA
Client Stories

What Our Clients Say

"Services DL saved my small business during a complex GST audit. Their expertise is unmatched."
MP
Marie-Pier Lavoie
Restaurant Owner, Montreal
"They found over $6,000 in deductions I had missed for three years. Transformed my financial situation."
JT
James Thompson
IT Consultant, Westmount
"From incorporation to financial reporting, Services DL has been my business partner from day one. Always right."
SA
Sophie Arsenault
Founder, Boutique Design Studio
"As a new immigrant with complex tax obligations, Services DL made everything clear. Truly bilingual."
AK
Ahmed Khalil
Software Engineer, NDG
Financial Insights

Latest from Our Blog

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Where We Serve

Montréal & Surrounding Areas

Services DL provides in-person and remote accounting services across Greater Montréal and Québec.

Midtown Montréal
Westmount
NDG / Notre-Dame-de-Grâce
Côte-des-Neiges
Plateau-Mont-Royal
Outremont
Ville Mont-Royal (TMR)
Saint-Laurent
Laval
Longueuil
Brossard & South Shore
Remote — All of Québec

Can’t come in? No problem — we serve clients across Québec via secure video call, email, and our online portal.

Industry Updates

Accounting & Financial News

All News
12
Jun
CRA
CRA Extends Multi-Factor Authentication Deadline for Business Users

The CRA extended mandatory MFA for My Account business users to September 2025, citing accessibility concerns raised by tax professionals and smaller businesses.

08
Jun
Bank of Canada
Bank of Canada Holds Policy Rate Amid Global Trade Uncertainty

The Bank of Canada maintained its overnight rate, citing inflation progress while monitoring global trade developments and Canadian housing market conditions.

02
Jun
Revenu Québec
Revenu Québec Launches Unified Digital Business Portal

New portal lets Quebec businesses file GST/QST returns, manage source deductions, and access assessment notices through a single digital dashboard.

28
May
CPA Canada
CPA Canada Issues Updated Capital Gains Reporting Guidance

Following the 2024 inclusion rate changes, CPA Canada published revised practitioner guidance on reporting the two-thirds inclusion rate for corporations and individuals.

Get Started Today

Ready to Take Control of Your Finances?

Book your free 10-minute phone consultation. No obligation — just honest financial guidance.

Book Free Consultation514-700-2944
HomeServices

Our Services

Comprehensive accounting, tax, and financial solutions for corporate and personal clients across Quebec.

Need Help?

Book a Call

Corporate Services

Running a business in Quebec means navigating federal and provincial requirements at every stage. Services DL provides end-to-end corporate financial services ensuring compliance, efficiency, and financial clarity — from incorporation to dissolution.

Company Creation: Full incorporation services, shareholder agreements, registered with federal or Quebec registry (REQ). Includes NUANS name search, Articles of Incorporation, and initial organizational resolutions.
Payroll (2026): Full payroll processing including 2026 CPP2/QPP2 enhanced contributions, EI remittances, T4/RL-1 preparation, Records of Employment, and year-end summaries.
Sales Tax GST/QST: Registration, quarterly/annual filing, input tax credits, input tax refunds, and handling of CRA/Revenu Québec notices and audits.
Year-End Services (T2 & CO-17): Federal T2 and Quebec CO-17 corporate return preparation, financial statements, tax optimization, and the complete annual reporting package your business needs.
Financial Reporting: Monthly management reports, comparative analysis, budget vs. actuals, and KPI dashboards for informed decision-making.
Business Guidance & Consulting: Strategic advice on corporate structure, growth, financing, succession planning, and operational efficiency tailored to your industry.
2026 Compliance: All corporate filings comply with the Canada Business Corporations Act, Quebec Business Corporations Act (LSAQ), Income Tax Act, Excise Tax Act, and Revenu Québec requirements. Payroll includes 2026 enhanced CPP2/QPP2 rates and updated EI premiums.
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Bookkeeping & Accounting

Clean books are the foundation of every sound business decision. Our bookkeeping services deliver accurate, real-time financial visibility and peace of mind for businesses of all sizes.

Monthly Bookkeeping: Transaction recording, categorization, and reconciliation using QuickBooks Online, Xero, Sage, or Wave — whichever platform you prefer.
Financial Statements: Balance sheets, income statements, and cash flow statements prepared to Canadian ASPE standards or IFRS as applicable.
Bank Reconciliation: Complete reconciliation of all bank and credit card accounts monthly to ensure accuracy and detect discrepancies early.
AP/AR Management: Invoice processing, payment tracking, and accounts receivable aging reports to improve your cash flow cycle.
Catch-Up Bookkeeping: We can take over and clean up years of disorganized records quickly and accurately — no judgment, just solutions.
Cloud Integration: Setup and management of modern cloud accounting platforms for real-time, anywhere access to your financials.
Professional Standard: Financial statements comply with Canadian ASPE or IFRS. All records maintained per Income Tax Act minimum 6-year retention requirements. Digital records accepted by CRA per current e-records policy.
Book Consultation

Personal Tax Services

Quebec residents navigate two sets of rules — federal CRA and provincial Revenu Québec. For the 2025 tax year (filed in 2026), our professionals ensure you claim every eligible deduction and credit while remaining fully compliant.

Federal T1 Return (2025): Complete individual return with updated 2025 brackets, enhanced Basic Personal Amount ($16,129), and full deduction optimization for your situation.
Quebec TP-1 Return (2025): Provincial return with all Quebec credits including updated Solidarity Tax Credit, housing component, and all RL slips.
Tax Planning: Year-round strategies — RRSP maximization ($32,490 limit for 2025), TFSA planning ($7,000/yr), FHSA optimization ($8,000/yr).
Self-Employed Returns: T2125 business income, home office deduction, vehicle log compliance, GST/QST filing, and quarterly installment planning.
CRA/RQ Correspondence: We handle all communications with tax authorities on your behalf — reassessments, T1 adjustments (T1-ADJ), objections, and audits.
Foreign Income Reporting: US, international, and foreign investment income reporting including Foreign Income Verification (T1135) for foreign assets over $100K.
Legal Compliance: All returns comply with the Income Tax Act (Canada) and Taxation Act (Quebec). We are CRA and Revenu Québec authorized representatives. Client data is protected under PIPEDA and Quebec's Loi 25 (as amended by Law 25).
Book Consultation

Investment & Portfolio Planning

We provide objective portfolio planning guidance to help you build lasting wealth through every life stage with a tax-efficient, sustainable approach. Updated for 2026 registered account rules and current market conditions.

Portfolio Review: Objective analysis identifying inefficiencies, high MER drag, tax issues, and misaligned asset allocation relative to your goals and timeline.
Account Optimization (2026): Strategic allocation between RRSP ($32,490 limit), TFSA ($102,000+ cumulative room by 2026), FHSA ($8,000/yr), RESP (CESG + QESI), and non-registered accounts.
Retirement Projections: Comprehensive income modeling integrating updated CPP/QPP enhanced benefits, OAS/GIS, RRIF drawdown strategies, and longevity planning.
Tax-Efficient Investing: Asset location strategy (what to hold where), tax-loss harvesting, capital gains timing given 2024+ inclusion rate changes.
Corporate Investments: Retained earnings investment strategies for incorporated business owners, passive income planning under CCPC rules.
Education Savings: RESP strategies maximizing $500/year CESG plus $250/year QESI (Quebec) — free government money for your children's future.
Important Disclosure: Services DL provides financial planning guidance only — we do not sell investment products or manage portfolios directly. All guidance is educational and strategic, complying with applicable Canadian securities and financial planning regulations. For portfolio execution, we recommend working with a licensed investment dealer or portfolio manager.
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Business Strategy & Consulting

Numbers tell a story — we help you write the next chapter. Our consulting goes beyond numbers to provide actionable insights driving sustainable growth and profitability in today's economic environment.

Business Planning: Comprehensive business plans, detailed financial projections, and feasibility analysis for startups, expansions, and financing applications.
Profitability Analysis: Deep-dive into your cost structure, gross margins, pricing strategy, and contribution analysis to identify hidden profit opportunities.
Cash Flow Management: 13-week rolling cash flow models, working capital optimization, and liquidity stress-testing for your business.
Business Structure: Corporate structure optimization for tax efficiency, liability protection, income splitting, and succession planning.
Financing Support: Financial package preparation for bank loans, government grants (CDAP, NRC IRAP, CSBFP), and investor presentations.
KPI Dashboards: Custom performance indicators and monthly management reporting tailored to your industry and business model.
Book Consultation

Business Dissolution

Closing a business requires careful attention to legal and tax obligations. We guide you through every step ensuring all obligations are properly resolved with federal and provincial authorities before you close the chapter.

Final Tax Returns: Final T2 corporate return, T4 summaries and RL-1 amendments, GST/QST final returns with proper cessation designations.
Asset Distribution: Tax-efficient distribution of corporate assets and retained earnings to shareholders — maximizing after-tax proceeds upon wind-up.
Government Filings: Articles of dissolution with Corporations Canada or MERN (Quebec), deregistration with the Quebec Enterprise Registrar (REQ).
Clearance Certificates: Obtaining CRA and Revenu Québec clearance certificates — legally required before final asset distribution to shareholders.
Employee Obligations: Final payroll processing, Records of Employment (ROE), T4/RL-1 issuance, and statutory notice compliance under Quebec labor law.
Record Retention: Post-dissolution record-keeping guidance — minimum 6 years per Income Tax Act, longer for certain Quebec requirements.
Legal Compliance: Dissolution services comply with the Canada Business Corporations Act, Quebec Business Corporations Act (LSAQ), Income Tax Act, and Revenu Québec requirements. We recommend coordinating with a Quebec notary or business lawyer for complex situations involving litigation, contested matters, or significant liabilities.
Book Consultation
HomeAbout

About Services DL

A trusted financial partner for individuals and businesses in Midtown Montreal and across Quebec.

Our Story

Built on Trust, Driven by Excellence

Services DL was founded with a clear mission: to provide Montreal's individuals and businesses with sophisticated financial expertise once reserved for large corporations — at accessible, transparent pricing.

Based in Midtown Montreal, we serve a diverse clientele from first-time tax filers to multi-entity corporations. Our bilingual team navigates both CRA and Revenu Québec with equal proficiency, serving all of Montreal's linguistic communities.

Every client relationship rests on three pillars: accuracy (we get the numbers right), compliance (we keep you legally protected), and strategy (we help you keep more of what you earn).

Book ConsultationOur Services

Mission & Values

  • Integrity: Transparent, honest advice — always in your best interest
  • Precision: Zero tolerance for errors in filings and reporting
  • Accessibility: Bilingual, clear explanations, no jargon
  • Confidentiality: Your data protected by law and professional ethics
  • Partnership: We grow with you — not just seasonal partners
📍 Midtown Montreal
🇨🇦 QC & Canada
🔒 Loi 25
🌐 EN/FR
Core Values

Principles That Guide Everything We Do

Ethical Standards

We adhere to the highest ethical standards in all client engagements — full compliance with Canadian and Quebec professional conduct requirements.

Data Privacy

Your financial information is protected under PIPEDA and Quebec's Loi 25. Encrypted transmission and secure cloud storage for all client documents.

Client-First

Every recommendation is guided by what's truly best for you — not what generates the highest fee. We are your advocates.

Let's Build Your Financial Future Together

Start with a free 10-minute phone consultation — no commitment required.

Book Free Consultation514-700-2944
HomeBlog

Financial Insights & Resources

Expert articles on tax planning, investing, personal finance, and business management for Canadians — updated for 2026.

HomeNews

Accounting & Financial News

Latest 2026 developments in Canadian and Quebec tax, accounting, and financial regulation.

Editorial Note: News summaries are curated from CRA, Revenu Québec, CPA Canada, Bank of Canada, and Finance Canada. Always consult official sources for regulatory matters. Click any item to visit the official source.
12
Jun
CRA
CRA Extends Multi-Factor Authentication Deadline for Business Users

The CRA extended mandatory MFA for My Account business users to September 2025, citing accessibility concerns raised by tax professionals and smaller businesses.

08
Jun
Bank of Canada
Bank of Canada Holds Policy Rate Amid Global Trade Uncertainty

The Bank of Canada maintained its overnight rate, citing inflation progress while monitoring global trade developments and Canadian housing market conditions.

02
Jun
Revenu Québec
Revenu Québec Launches Unified Digital Business Portal

New portal lets Quebec businesses file GST/QST returns, manage source deductions, and access assessment notices through a single digital dashboard.

28
May
CPA Canada
CPA Canada Issues Updated Capital Gains Reporting Guidance

Following the 2024 inclusion rate changes, CPA Canada published revised practitioner guidance on reporting the two-thirds inclusion rate for corporations and individuals.

20
May
Finance Canada
Federal Budget 2025: Key Changes for Individuals and Businesses

The 2025 Federal Budget enhanced the Canadian Entrepreneurs' Incentive, expanded the Carbon Rebate for Small Businesses, and proposed AMT rule changes for high earners.

14
May
Revenu Québec
2025–2026 Solidarity Tax Credit Amounts Published

Updated Solidarity Tax Credit amounts for July 2025–June 2026 released. Maximum annual benefit reaches $2,160 for eligible single-person households qualifying for all three components.

05
May
CRA
FHSA 2024 Reporting Requirements Clarified

CRA clarified First Home Savings Account reporting for 2024 — institutions must issue T4FHSA slips and taxpayers must report transfers on Schedule 15.

29
Apr
CPA Canada
67% of SMEs Plan to Increase Accounting Technology Investment

A CPA Canada survey of 1,200 SMEs reveals doubling adoption of AI-assisted bookkeeping year-over-year among businesses with 5–20 employees.

HomeQuiz

Financial Health Assessment

8 questions. 5 minutes. A personalized financial action plan — completely free.

HomeBook

Book Your Free 10-Minute Consultation

Select a date and time. We'll call you to discuss your financial goals — no obligation, completely free.

Select a Time (EST)

What to Expect

  • →10-minute phone call with a financial professional
  • →Brief review of your financial situation & goals
  • →Preliminary recommendations and clear next steps
  • →Completely free — zero sales pressure

Your Details

Fill in your information. We'll confirm your appointment within 1 business hour.

Your information is protected under PIPEDA and Quebec's Loi 25. We will never sell or share your data. Privacy Policy.

Booking Confirmed!

We've received your request. A confirmation will be sent to your email within 1 business hour.

HomeResources

Free Financial Guides

Download our expert guides — updated for 2026 and crafted by Services DL professionals.

📊
Complete Tax Planning Guide
Free PDF — 2025/2026 Edition
  • 2025/2026 Federal & Quebec tax brackets
  • RRSP ($32,490), TFSA & FHSA optimization
  • Year-end tax planning checklist
  • Business tax deduction guide
  • Quebec-specific credits & programs

We respect your privacy. Privacy Policy.

Guide ready for download!
Click to Download PDF
📈
How to Invest Wisely
Free PDF — 2026 Edition
  • Canadian accounts guide (TFSA ~$102K room by 2026)
  • Risk tolerance & asset allocation models
  • Low-cost ETF investing strategies
  • Tax-efficient portfolio construction
  • Common investing mistakes to avoid

We respect your privacy. Privacy Policy.

Guide ready for download!
Click to Download PDF
HomeContact

Contact Us

We're here to help. Reach out by phone, email, or form — we respond within 1 business day.

Get in Touch

We respond to all inquiries within 1 business day.

  • Phone
    514-700-2944
  • Email
    servicesdl2000@gmail.com
  • Location
    Midtown Montreal, Quebec, Canada
  • Languages
    English & French (Bilingual)

Office Hours

Monday – Friday9:00 AM – 5:00 PM
SaturdayBy appointment
SundayClosed
Tax Season (Feb–May)Extended hours available

Send Us a Message

All information is confidential. We respond within 1 business day.

Your information is protected under PIPEDA and Quebec's Loi 25. Privacy Policy.

Message Received!

Thank you. We'll respond within 1 business day.

HomePrivacy Policy

Privacy Policy

How Services DL collects, uses, and protects your personal information in 2026.

Last Updated: June 1, 2026
Summary: Services DL is committed to protecting your privacy in accordance with Quebec's Act Respecting the Protection of Personal Information in the Private Sector (Loi 25, as fully in force since September 2023), the Personal Information Protection and Electronic Documents Act (PIPEDA), and the Income Tax Act's confidentiality provisions. We collect only what is necessary, protect it rigorously, and never sell it.

1. Who We Are

Services DL is an accounting and financial services firm based in Midtown Montreal, Quebec, Canada. We are the data controller responsible for personal information collected through our website and professional engagements. Contact for privacy matters: servicesdl2000@gmail.com | 514-700-2944.

2. Information We Collect

We collect identity information (name, SIN for tax services), contact information (email, phone, address), financial information (income, tax documents — only as needed for services), business information (for corporate clients), and with consent, website usage data through analytics cookies.

3. Legal Basis for Processing

We process personal information based on: (a) performance of contract for professional services; (b) legal obligations under the Income Tax Act, Excise Tax Act, and Quebec tax legislation; (c) your explicit consent (marketing communications and non-essential cookies per Loi 25); (d) legitimate interests (fraud prevention, security).

4. Data Retention

We retain client tax and financial records for a minimum of 7 years as required by the Income Tax Act and Quebec legislation. Marketing data is retained until consent is withdrawn. Website analytics data: maximum 24 months.

5. Your Rights Under Loi 25 & PIPEDA

  • Access: Request a copy of personal information we hold
  • Correction: Request correction of inaccurate information
  • Withdrawal of Consent: Withdraw consent for non-essential processing at any time
  • Deletion: Request deletion subject to legal retention obligations
  • Portability: Request transfer in a structured format (Loi 25 right)
  • Complaint: File with the Commission d'accès à l'information (cai.gouv.qc.ca) or OPC (priv.gc.ca)

6. Security

We implement SSL/TLS encryption, password-protected client portals, limited need-to-know employee access, regular security assessments, and secure document disposal — in compliance with Loi 25 security requirements.

To Exercise Your Rights: Contact us at servicesdl2000@gmail.com or 514-700-2944. We will respond within 30 days as required by law.
HomeCookie Policy

Cookie Policy

How and why we use cookies on dlfinancials.ca, and your control over them.

Last Updated: June 1, 2026

This Cookie Policy applies in compliance with Quebec's Loi 25 (fully in force since September 2023), which requires explicit opt-in consent for non-essential cookies — one of the strictest cookie consent regimes in Canada.

Types of Cookies We Use

1. Strictly Necessary (No consent required)

Essential for website function: session management, security tokens, language preference storage. Cannot be disabled without affecting core functionality.

2. Analytics (Consent required)

Help us understand website usage — popular pages, visitor sources, session duration. Data is aggregated and anonymized. Only placed after you consent.

3. Preference (Consent required)

Remember your settings (language, accessibility preferences) for an improved experience. Only placed after you consent.

Managing Preferences

You may manage preferences via the cookie banner that appears on first visit, your browser's privacy settings, or by contacting us directly. Declining non-essential cookies does not affect core service access.

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Professional accounting, tax planning, and financial services for individuals and businesses across Quebec. Based in Midtown Montreal.

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  • Personal Tax
  • Investment Planning
  • Business Strategy
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Contact

514-700-2944
servicesdl2000@gmail.com
Midtown Montreal, Quebec
Mon–Fri: 9 AM – 5 PM
Book Free Consultation
Services DL provides accounting and financial advisory services. We are authorized representatives with the Canada Revenue Agency and Revenu Québec. All services comply with the Income Tax Act (Canada), Taxation Act (Quebec), and applicable professional standards. Financial planning guidance does not constitute investment advice. Client information is protected under PIPEDA and Quebec's Loi 25. © 2026 Services DL. All rights reserved.
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