What we do
Chartered accounting and insurance guidance for businesses and individuals across Trinidad and Tobago. Engagements range from a one-off consultation to a full monthly relationship — sized to what you actually need.
Bookkeeping & Management Accounts
Monthly books kept properly, reconciled and ready — so you always know where the business stands and never scramble at year end.
- Monthly bookkeeping and bank reconciliations
- Accounts receivable and payable tracking
- Management accounts with commentary you can act on
- Clean-up of neglected or incomplete books
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Financial Statement Preparation
Year-end financial statements prepared to standard, suitable for the bank, the Registrar, investors and the Inland Revenue Division.
- Statement of financial position, income statement and cash flow
- Notes and disclosures prepared to IFRS / IFRS for SMEs
- Prior-year comparatives and ratio commentary
- Support for loan and tender applications
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Tax Compliance & Filing
VAT, corporation tax, business levy, green fund levy and personal returns — computed, filed and paid on time.
- VAT registration and bi-monthly VAT returns
- Corporation tax, business levy and green fund levy computations
- Quarterly instalment planning
- Individual and sole trader income tax returns
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Payroll & Statutory Deductions
PAYE, NIS and health surcharge calculated correctly every pay run, remitted on time, with the annual returns handled for you.
- Payroll processing and payslips
- PAYE, NIS and health surcharge computation and remittance
- TD-4 certificates and annual employer returns
- Guidance on the phased NIS contribution increases
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Business Start-Up & Registration
From choosing a structure to your BIR and VAT numbers — the full set-up, done once and done right.
- Sole trader vs company advice for your situation
- Name reservation and registration with the Companies Registry
- BIR file number, PAYE and VAT registration
- Opening set of books and an accounting system that fits
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Insurance Advisory
Independent guidance on the cover you actually need — motor, property, liability, health and life — without the jargon.
- Review of existing policies and gaps in cover
- Motor: third-party versus comprehensive decisions
- Business property, liability and business interruption cover
- Claims guidance and renewal negotiation support
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Life Cover & Approved Annuities
Protection for your family and retirement savings that also reduces your tax bill, structured within the approved limits.
- Life and critical illness cover sized to real need
- Approved annuity plans and the TT$60,000 deduction cap
- Coordination with NIS and occupational pension contributions
- Retirement income planning
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Business Advisory
A chartered accountant in your corner for pricing, cash flow, financing and the decisions that don't fit neatly in a spreadsheet.
- Cash flow forecasting and working capital planning
- Pricing and margin analysis
- Loan and investor readiness
- Budgeting and performance review
Not sure which one you need?
Most people aren't, and that's a perfectly good reason to call. Describe the situation and we'll tell you plainly what it requires — including if the answer is nothing.