Welcome to Harding Financial
At Harding Financial we start by understanding what your true entrepreneurial drive is and how that motivates you to grow your business. As entrepreneurs ourselves it’s important to us to understand your goals and motivators so we can really add value where it counts.
New Subscription-based Cloud Accounting Service
Pivot Bookkeeping is a subscription-based cloud platform helping business owners navigate their finances and year-round tax reporting.
Our Mission Statement
Harding Financial provides individuals, partnerships, and corporations with high-quality accounting and consulting services in Nova Scotia and across Canada while maximizing integrity, professionalism, and value to the customer by excelling in accounting standards, high-quality accounting practices, and customer service.
Accounting
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Professional accounting services for businesses large and small. Our team has you covered.
Taxation
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Our taxation services provide custom reports while maximizing your return.
Bookkeeping
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Our bookkeeping services provide detailed reports of income and expenses.
Testimonials
“Harding Financial has been my accountant for a little less than a year and they have helped me and my business tremendously. They’re patient, knowledgeable and very good at what they do. I recommend Harding & Associates to for any business big or small.”
“Excellent company with timely service and very friendly staff.”
“Very professional, easy to work with! Highly recommend tax professionals!”
Frequently Asked Questions
When are my personal taxes due to be filed?
Normally, Canadian individual tax returns for any specific year must be filed by April 30 of the following year. There is no provision for generally extending this deadline, but there are a few exceptions. Tax returns for self-employed individuals and their spouses must be filed by June 15 of the following year.
Does my accountant need to be designated or certified?
Yes. We understand saving money is appealing, but if you don’t use a designated or certified accountant, you may be losing more money if you have to overpay on your taxes. Most small business owners try to save money by using so-called accountant firms where none of the staff are designated or certified accountants. These companies usually mean well, but haven’t been properly trained. It takes years of study in this industry to be properly trained and the smallest mistakes could result in you either overpaying taxes or underpaying. This could lead to eventual issues with the CRA and attract some of the highest interest rates and penalties in Canada.
What is a TFSA?
The Tax-Free Savings Account (TFSA) program began in 2009. It is a way for individuals who are 18 and older and who have a valid social insurance number to set money aside tax-free throughout their lifetime. Contributions to a TFSA are not deductible for income tax purposes. Any amount contributed as well as any income earned in the account (for example, investment income and capital gains) is generally tax-free, even when it is withdrawn. Administrative or other fees in relation to TFSA and any interest or money borrowed to contribute to a TFSA are not deductible.
What is an RRSP?
A Registered Retirement Savings Plan, or RRSP, is a special type of investment account designed to help Canadians save for retirement. The main advantage of an RRSP account, as compared to a regular investment account, is the tax benefits it offers.