Personal Tax Services
Strategic Personal Tax.
Maximized for You.
CPA-led T1 returns for real estate investors, landlords, realtors, business owners, and all individual filers — delivered with the same structured, careful approach regardless of complexity.
Begin 2025 Tax Intake$125 deposit required to reserve your file
Who We Serve
Designed for complex returns.
Accessible to all filers.
Realtors & Property Managers
Commission income, HST obligations, vehicle deductions, and home office expenses — reviewed to ensure nothing is left on the table.
Real Estate Investors
Rental income and expense reporting for each property, strategic CCA review, and capital gains planning for individual investors.
Business Owners & Self-Employed
Self-employment income reporting, HST filings, and tax strategy for unincorporated sole proprietors and independent contractors.
Also accepting: Salaried employees, students, and straightforward T1 filers. All clients receive the same structured, careful approach — regardless of complexity.
The Process
Six steps. Fully virtual.
Done right.
Every new client file follows the same structured sequence — from intake to final CPA review call. Nothing falls through the cracks.
Complete the Intake Form
Start on your phone or desktop. Your 2025 T1 intake questionnaire via Typeform identifies your income sources, life changes, and documents needed — in minutes.
Sign the Engagement Letter
A formal engagement letter is sent electronically via DocuSign. Review, sign, and return from any device. Work does not begin until signed.
Pay Your $125 Deposit
A non-refundable $125 deposit by credit card reserves your file and is applied toward your final fee. Invoiced securely through QuickBooks Online.
Upload All Required Documents
Upload your T4s, T5s, receipts, and supporting documents to your secure Google Drive folder. Everything stays organized in one place.
Complete Required Worksheets
Based on your intake responses, you may be assigned one or more templated worksheets — such as a rental income worksheet or business income worksheet. Each template guides you step by step through exactly what we need.
CPA Review Call
Once your return is prepared, we schedule a final call with your CPA to walk through your results, review current and future tax strategies, and discuss how we can work together — across our full ecosystem — to make next tax season even more beneficial. We cover tax efficiency, wealth building goals, and answer any questions you have.
The Experience
The most organized tax process
you've ever been through.
Everything is virtual, electronic, and built around your life. No office visits. No printing. No chasing down paperwork. Just a clear, guided process from start to finish — on your schedule.
Everything on Your Terms
Complete your intake form on your phone or desktop. All worksheets are pre-built templates that guide you through exactly what we need — no guesswork.
Fully Paperless
Sign your engagement letter electronically. Pay your deposit online. Upload your documents to a secure folder. Nothing gets lost, nothing needs to be printed.
One Final Call
After your return is prepared, a CPA connects with you virtually to review your results, answer your questions, and discuss strategies for the year ahead.
Built for Next Year Too
We use your CPA call to look forward — identifying opportunities for tax efficiency and wealth building within our full ecosystem so each year gets better.
How It Comes Together
Intake on your phone. Signatures online. Payments processed. Documents uploaded. Return prepared. Final call with your CPA.
That's the full picture. Modern technology and a structured process working together so the most important financial task of your year gets done properly — without the friction.
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Led by a Realtor-CPA
Terrence Marshall leads the SYNERGY Real Estate Team — bringing the same client-first approach from real estate to every tax file at Marshall CPA.
View SYNERGY Team ReviewsAbout the Firm
Built From Both Sides of the Table.
Terrence Marshall, CPA
Founder & Lead CPA
Chartered Professional Accountant — Ontario
Marshall CPA was built from firsthand experience inside tax, business, and real estate.
Terrence Marshall attended the Lazaridis School of Business and Economics at Wilfrid Laurier University in Waterloo, completing multiple co-op placements with the Canada Revenue Agency in both income tax and GST/HST audit divisions. He later trained in public accounting at firms including BDO and Crowe, earning his CPA designation.
But the real foundation was built outside traditional accounting paths.
As the son of immigrants, Terrence was introduced to real estate investing early. His first insight into property as an asset came when his father converted their family's first freehold home in Canada into a rental property after moving to another residence. He took interest in managing that rental, shaping how he would later think about leverage, structure, and long-term wealth building.
At 19 years old, before becoming a CPA, he set out to start a business. The only skill he had at the time was lifeguarding and swim instruction — so he built a swim school around it, learning early what it means to manage payroll, expenses, tax obligations, and cash flow as an operator.
Alongside his professional path, he continued building in real estate — completing duplex conversions, developing an Airbnb property, building out a commercial office, and ultimately obtaining his real estate licence. That experience allows him to approach real estate decisions from both sides of the table — as an operator managing risk and cash flow, and as a CPA structuring for tax efficiency.
After earning his CPA designation, he built and now leads Synergy Real Estate, a team that has served hundreds of families, landlords, and investors in buying, selling, and scaling property portfolios.
Through that combined experience, one pattern became clear:
Most people were making major real estate and business decisions without integrated tax strategy, while operators struggled to find accountants who understood real estate beyond surface-level reporting.
Transactions were happening. Properties were being acquired. Rental income was being generated. But structure was missing.
Marshall CPA was built to close that gap.
Today, the firm advises:
- Owner-managed private corporations
- Incorporated and self-employed business owners
- Real estate investors and portfolio landlords
- Realtors earning commission income
Clients rely on an integrated ecosystem of real estate execution and tax structuring to:
- Plan first home purchases
- Structure rental acquisitions
- Optimize rental income reporting
- Minimize tax on disposition
- Strategically deploy retained earnings into real estate investments
- Maximize long-term tax efficiency
Marshall CPA integrates tax strategy with real-world business and real estate execution.
Here, tax preparation is structured around how you actually earn, invest, and scale.
2025 Pricing
2025 Personal Tax Fees
Base fees reflect the scope of your return. Capacity adjustments are applied on top of the total engagement fee.
Final fee depends on overall complexity and document completeness. The $125 deposit is required to open your file and is applied toward the final fee.
Policy
What "Fully Submitted" means.
A file is only considered Fully Submitted when all six requirements below are confirmed complete. Your Fully Submitted date — not your intake date — determines your capacity adjustment fee.
$125 Deposit Paid
Credit card payment processed via QuickBooks Online
Engagement Letter Signed
DocuSign completion required before any work begins
Intake Form Submitted
2025 T1 Typeform questionnaire fully completed
All Documents Uploaded
T4s, T3s, T5s, receipts, and all supporting slips
Required Worksheets Completed
Rental, business, vehicle, or home office worksheets as applicable
Prior-Year Balance Cleared
Any outstanding balance from a prior engagement must be paid in full
All six items above must be complete before your file enters the preparation queue. Completing the intake form or paying the deposit alone does not lock in your pricing tier.
Capacity & Priority Filing
Your Fully Submitted date sets your fee.
Tax season capacity is limited and managed based on Fully Submitted date. Earlier submissions receive standard pricing and priority scheduling.
Fully Submitted Before April 1
April 1 – 15
April 16 – 22
After April 22
Subject to availability
Ready to get started?
Begin your 2025 T1 intake. The questionnaire takes approximately 10–15 minutes.
Begin Your 2025 T1 Intake