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Accounting for health practitioners · Canada-wide

The numbers, handled. So you can stay in the treatment room.

Most accountants don't know that physiotherapy is HST-exempt and massage therapy isn't. We built our whole practice around the people who care for yours.

Working with physiotherapists, registered massage therapists, chiropractors, dental hygienists, doulas, and multi-practitioner clinics across the country.
Marsha Cosman, CPA, CA
Marsha Cosman, CPA, CA Partner · The person behind your numbers
Physiotherapists Massage Therapists Chiropractors Naturopaths Dietitians Psychologists Dental Hygienists Doulas Clinics
The one detail most accountants miss

Two professions. Opposite tax rules.

Get this backwards and you either collect tax you never owed, or overpay all year on tax you could have claimed back. This is the heart of what we do.

Physiotherapy

HST-exempt

  • You don't charge HST on treatment, ever.
  • You can't claim it back, so your books are built tax-included.
  • ! Charge it by mistake and you've collected tax you have to hand over and explain.
vs
Massage therapy (RMT)

Taxable

  • Once you pass $30k, you register and charge HST.
  • You claim it back on rent, supplies, and equipment.
  • ! Skip those credits and you're leaving real money on the table every month.

We build your books around the rules that actually apply to you.

Who we help

Built for the whole clinic floor.

Whether you run your own practice, rent a room, or staff a busy multi-practitioner clinic, the tax picture changes by profession. We know each one.

Physiotherapists Registered Massage Therapists Chiropractors Naturopaths Dietitians & Nutritionists Psychologists & Therapists Dental Hygienists Doulas & Midwives Multi-practitioner clinics + and the clinics that employ them
What we handle

Everything between you and tax season.

One firm for the whole money side of your practice, so nothing falls through the cracks and nothing surprises you in April.

📒
01

Bookkeeping that runs itself

Clean monthly books, reconciled and ready, so you always know where you stand without lifting a finger.

🧾
02

HST done the right way

Exempt or registered, we set you up correctly and recover every input tax credit you're entitled to.

🏠
03

Home office & deductions

Every dollar you're allowed to claim, and none you aren't. We give you a tracker that does the math.

🏛️
04

Incorporation, when it pays

We run the numbers and tell you honestly when incorporating saves you money, and when it doesn't yet.

📆
05

Tax filing, no surprises

Personal or corporate, filed on time and planned ahead, so the bill is one you already saw coming.

👥
06

Payroll for clinics

Staff and associates paid right, with CPP, source deductions, and remittances handled for you.

Simple, upfront pricing

Know the price before you email.

No quotes to chase. Pick the level that fits where your books are at, and we take it from there.

Free template
$0
Track it yourself
  • A simple Google Sheet for income, expenses, and home office
  • Built for clinicians, not a generic spreadsheet
  • Yours to keep, no strings
Get the template
Power hour
$299
One hour on Zoom
  • A full hour one on one with Marsha
  • Bring anything: HST, deductions, incorporation, your setup
  • Leave with clear answers and a plan
Book your hour
Done for you
from $1,200
Hand us your statements
  • Send us your bank and credit card statements for the year
  • We do the full bookkeeping and file your return
  • Includes an enhanced tracker built around your practice
Get started

Registered massage therapist, or otherwise HST-registered? Add HST filing for $250.

Marsha Cosman, CPA, CA, Partner at ClinicCPA
Meet your accountant

Hi, I'm Marsha.

"You spend your day taking care of people. I take care of the part you'd rather not think about."

I'm a CPA, CA and a partner at the firm, with a career spent everywhere from a Big Four practice to managing billions in assets for a bank. These days I'd rather use that experience to make a clinician's life simpler.

You'll have one person who knows your file, answers the phone, and tells you in plain language what to do next. No jargon, no last-minute scramble for receipts, and no generic advice that ignores how your profession is actually taxed.

Marsha Cosman
Free for sole proprietors

An easy Google Sheet to track your income, expenses, and home office.

If you run your practice on your own, we'll set you up with a simple Google Sheet template built for clinicians. You just fill it in as you go, and it does the math for tax time. Yours free.

Straight answers

The questions clinicians ask us first.

Usually yes. Massage therapy isn't on the government's exempt list, so once your revenue passes $30,000 in a rolling year you have to register and charge HST. The upside is you also get to claim the HST back on your rent, supplies, and equipment, which most RMTs never do.

No. Physiotherapy is HST-exempt, so you never charge it on treatment. The flip side is that you can't claim it back either, so we record your expenses tax-included. If you're currently charging HST, talk to us, because that needs fixing.

Often, yes. If your home is where you handle your admin and billing, or you regularly see clients there, you can deduct a share of your rent or mortgage interest, utilities, insurance, and more, based on the size of your work space. We give you a tracker that works it out month by month.

Only when the math says so. Incorporating can lower your tax bill and let you keep more inside the business, but it isn't free and it isn't right for everyone yet. We'll look at your actual numbers and tell you honestly when it's worth it.

Both. We look after independent practitioners who rent a room or work for themselves, and we handle the full books and payroll for multi-practitioner clinics.

Yes. We set you up with an easy-to-use Google Sheet for your income, expenses, and home-office claim. You fill it in as you go and it adds everything up for tax time, so there's no shoebox of receipts in April.

Yes. Alongside physios, RMTs, and chiropractors, we look after dental hygienists, doulas, midwives, naturopaths, dietitians, and more. The tax treatment changes by profession, and we make sure yours is set up correctly.

Keep your receipts and statements for six years. A tidy digital folder, or a photo of each receipt, is enough. Our tracker keeps the totals organized so nothing slips through.

As a rough guide, many self-employed practitioners set aside 25 to 30 percent of their profit for income tax and CPP. We'll give you a number based on your real situation so the bill is never a shock.

Yes. Plenty of clinicians come to us behind rather than ahead. We'll get you caught up and back in control, without the lecture.

We work with clinicians across Canada. Everything runs securely online, so your books and filing happen wherever you are.

From the blog

Plain-English answers for clinicians.

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Let's talk

Spend less time on your books, and keep more of what you earn.

Tell us a little about your practice and we'll point you in the right direction. Sole proprietors get our easy tracking template to keep things simple.