Clean books for the businesses that keep the GTA running.
RM Financial is a one-person bookkeeping practice serving small and growing service businesses across the Greater Toronto Area. I keep your numbers clean and current so you can focus on running the business.
QuickBooks Certified ProAdvisor · CPA candidate · Serving small businesses across the Greater Toronto Area
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The numbers, handled — start to finish.
You hand me the receipts, statements and access. I give you back clean books, filed-ready records, and reports you can actually read.
Monthly bookkeeping
Every transaction categorized and your accounts reconciled, on a steady monthly rhythm so nothing piles up at year-end.
HST & compliance
HST tracking and filing prep, plus clean records your accountant can drop straight into a tax return without the scramble.
Reporting you'll use
Plain-language monthly statements — what came in, what went out, and what's actually left — built so you can make decisions.
Payroll support
Run your team without the headache. Payroll setup and processing support so people get paid right and on time.
Profit by project or location
See where you actually make money — by project, client or location — not just one lump monthly figure. Useful for anyone running more than one revenue stream.
Catch-up & cleanup
Behind by months — or a year? I'll get your books current and accurate, then keep them that way going forward.
Built for service businesses across the GTA.
My background is in corporate accounting and operations — I've led accounts payable and managed over $35 million in payables, and I currently keep the books across eight-to-ten properties for a TSX-listed company. I know how a real business actually flows, so your books reflect how you run, whatever you do.
- IND·01Professional services & agenciesConsulting, design, marketing, legal
- IND·02Restaurants, cafés & foodDaily sales, tips, cost of goods
- IND·03Health, wellness & personal careClinics, salons, studios
- IND·04Retail & e-commerceInventory, multi-channel sales
- IND·05Trades & contractorsJob costing, deposits, materials
- IND·06Sole proprietors & freelancersSimple, clean, compliant
"Most small-business owners aren't behind because they're careless. They're behind because they're busy doing the work. My job is to take the books off your plate entirely."
— Razaq Malam, Principal · RM Financial
From first call to clean books.
A simple, predictable process. No jargon, no surprise invoices.
Free consultation
A short call to understand your business, your volume, and where things stand today.
Scope & quote
I recommend a plan and give you a clear, fixed monthly price. No hourly mystery.
Setup & cleanup
I get QuickBooks dialed in and bring any backlog current before we start the monthly rhythm.
Monthly delivery
Reconciled books and clear reports, every month — plus a person who answers when you ask.
Not sure which plan fits?
Answer six quick questions and I'll point you to the right starting tier — no email required.
ProAdvisor
TSX-listed company
AP leadership
Hi, I'm Razaq. I keep the books so you don't have to.
I came up through finance the practical way — starting in accounting roles, then leading accounts payable, where I managed over $35 million in payables for a busy, operating business. That's where I learned that good bookkeeping isn't about software. It's about understanding how a business actually runs.
Today I'm an accountant at a publicly traded company listed on the TSX, where I manage the books across eight to ten properties nationwide. I'm also a CPA candidate and a QuickBooks Certified ProAdvisor — so the standards I hold your books to are the same ones I work to every day.
RM Financial is where I bring that same discipline to small and growing businesses across the GTA — from professional services and restaurants to retail, personal care and the trades. I've worked with enough different kinds of businesses to know what clean books should look like for each one.
I keep it simple: fixed monthly pricing, clean books on a steady schedule, and a real person who picks up the phone. You stay focused on the work. I'll make sure the numbers hold up.
Three things I promise.
Fixed, honest pricing
You'll know your monthly cost up front. No surprise hourly invoices, no nickel-and-diming for a quick question.
Plain English
I don't hide behind accounting jargon. You'll always understand what your numbers are telling you.
One point of contact
You work directly with me — not a rotating call centre. I know your business and I answer when you reach out.
Simple monthly plans. No hourly guesswork.
Every plan is a flat monthly fee. Pick a starting point below, or take the questionnaire and I'll recommend one. The right fit gets confirmed on a free consultation.
Core
For sole proprietors and very small businesses with steady, low transaction volume.
- Monthly bookkeeping
- Bank & credit-card reconciliation
- QuickBooks Online setup & upkeep
- Monthly financial statements
- Year-end records ready for tax
Standard
For growing businesses with more volume that want to actually understand their numbers.
- Everything in Core
- Higher transaction volume
- Accounts payable & receivable tracking
- HST tracking & filing prep
- Quarterly review call
Plus
For established businesses that need payroll, project-level reporting, or a hands-on finance partner.
- Everything in Standard
- Payroll setup & processing support
- Project- or location-level profitability
- Custom reporting & dashboards
- Monthly strategy call + priority support
Plus is scoped to your business on a free consultation — final price depends on volume, payroll size and reporting needs. Not sure where you land?
Direct access to me
You're never handed off. The person doing your books is the person you talk to.
Cloud-based & remote
Everything runs on QuickBooks Online — secure, paperless, and accessible from anywhere.
Across the GTA
Serving small businesses throughout the Greater Toronto Area — from the downtown core out to the surrounding regions.
Questions, answered straight.
If something isn't here, just ask on a quick call — no pressure, no sales script.
Which plan fits your business?
Six quick questions — no email, no sign-up. I'll recommend a starting tier and tell you why.
Let's get your books squared away.
Book a free, no-obligation consultation. Tell me a bit about your business and I'll come back with a clear recommendation and price.
A 20-minute call to understand your business. No script, no pressure. You'll leave knowing exactly what I'd recommend and what it would cost.
Send a message
This opens your email pre-filled — or just call the number on the left.
SENDS TO R.M.FINANCIAL@OUTLOOK.COM