CPA, CMA Designated · Member, CPA Ontario· 15+ Years Experience· Based in Guelph, Serving Waterloo
Small business CPA · Waterloo, Ontario
Trusted CPA for Small Business Owners in Waterloo, Ontario
DVO Financial Consulting is a CPA-led practice founded by Devin O'Brien, CPA, CMA, based in Guelph and serving small business owners throughout Waterloo and the surrounding region. Waterloo's tech and fintech community — anchored by the university's entrepreneurial pipeline — produces a steady stream of founders who need clear advice on incorporation, compensation, and long-term tax planning as their companies scale. Whether you're incorporating, cleaning up bookkeeping, planning for a tax-efficient year, or thinking about selling — the work is done through clear conversation and flat fees, not billable hours.
How I help business owners in Waterloo
Tax planning
Salary vs. dividends, installments, deductions, and year-end strategies.
Business structure
Sole prop vs. corporation vs. holding company — straight advice.
Bookkeeping & compliance
HST registration, clean records, and catch-up filing when needed.
Cash flow & planning
Why profit and cash don't match, and how to fix the gap.
Growth & exit planning
Valuation, succession, and tax-efficient exits.
Ready to talk?
Thirty minutes, no obligation. Bring your questions — I'll bring straight answers.
Book a free call
Written and reviewed by Devin O'Brien, CPA, CMA
Founder, DVO Financial Consulting · Guelph, Ontario
15+ years in financial operations and small business advisory.
Learn more about Devin →