Montreal Financial

What Montreal Financial does

Montreal Financial is a Canadian tax, accounting, and financial-advisory practice based in Montreal, Quebec, founded in 2008 by Ronika Khanna (CPA, CFA), who previously spent 15 years in corporate finance roles at PwC and ING. The company serves unincorporated small business owners, self-employed individuals and freelancers, and incorporated business owners across Canada, with content and services tailored to Canadian and Quebec-specific tax rules (GST/HST, QST, T2125, T5, CRA and Revenu Québec compliance). Its product surface spans a free content layer (blog dating from 2012-2026, YouTube tutorials, calculators, checklists, a biweekly newsletter with 2,200+ subscribers, and the Incorporated Canadian Podcast) and a paid layer sold through the Podia-powered storefront learn.montrealfinancial.ca, including the $149 Small Business Tax Essentials bundle, $127 self-employed and GST/HST courses, $45 masterclasses, $19.97 ebooks, and quote-based one-on-one consulting plus an "Ask Ronika" Q&A service.

The business operates with no proprietary technology platform: the marketing site is built on Squarespace and the course/ebook delivery and community access run on Podia, with no disclosed APIs, SDKs, apps, or patents. Partnerships are functional rather than commercial — QuickBooks Online tutorials, UFile 2025 walkthroughs, and Podia as core infrastructure — and there is no external funding, parent company, or subsidiary structure. The company is structured as a sole proprietorship owned and operated by the founder, with 1-10 employees per firmographic data and content indicating a single-practitioner operation. Go-to-market is content-led: free educational assets build trust and funnel audience into paid courses, books, and consulting, and the founder is positioned as a personal brand with media placements in CBC, Globe & Mail, Toronto Star, and Global News.

Name

Montreal Financial

Legal name

Montreal Financial

Website

https://montrealfinancial.ca

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Montreal Financial is a Montreal-based solo tax, accounting, and financial-advisory practice founded by Ronika Khanna (CPA, CFA), serving Canadian small business owners, freelancers, and incorporated entrepreneurs with educational content, paid courses, and one-on-one consulting.

Ownership category

akta.pro rank

Product category

Tax & Accounting Advisory Services

NAICS

Tax Preparation Services (541213), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Educational Support Services (6117)

SIC

Services-Educational Services (8200), Investment Advice (6282)

akta.pro primary industry

Indirect Tax (VAT/GST/Sales & Use) Services (BPAHABAJ)

akta.pro secondary industries

Accounting, Bookkeeping & Tax Basics (EDAMAHAF), Online Learning Content & Course Publishing Platforms (BPAMAJAL), Workshops, Webinars & Live Masterclasses (MPACALAD)

Keywords

• Small business tax
• Accounting advisory
• Tax education
• Bookkeeping consulting
• Financial planning services

Headquarters

HQ city

Montréal

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Courses and Digital Products: Online courses and downloadable resources sold through learn.montrealfinancial.ca. Products include comprehensive tax courses, masterclasses, ebooks, and bundles targeting specific tax and finance topics for Canadian small business owners. Pricing ranges from $19.97 to $149 per product.
2. Consulting Services: One-on-one paid consulting sessions providing personalized guidance on taxes, finances, and accounting tailored to individual business situations.
3. Books: Physical and digital books on small business tax topics sold through the shop.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Montreal Financial sells paid online tax and accounting education products — including structured courses (e.g., Self-Employed Tax Return Made Simple, GST/HST Made Simple), masterclasses, ebooks, books, and bundles — through its Podia-powered storefront at learn.montrealfinancial.ca. It also delivers one-on-one paid consulting sessions and an Ask Ronika Q&A service providing personalized guidance on Canadian taxes, GST/HST/QST, deductions, and small business finance. A library of free blog posts, YouTube tutorials, calculators, checklists, and a biweekly newsletter underpins the funnel by attracting Canadian small business owners, freelancers, and self-employed professionals.

Product overview

Montreal Financial is a Canadian financial education and advisory firm that offers a layered portfolio of free and paid products. Free offerings include a blog with tax and finance articles, YouTube tutorials, calculators, a free newsletter, and free checklists covering topics like the T2125, car expenses, and dividend filing. Paid products are sold through a digital storefront (learn.montrealfinancial.ca) and include structured courses such as Small Business Tax Essentials (Unincorporated), Self-Employed Tax Return Made Simple, The Small Business Guide to Maximizing Tax Deductions, GST/HST Made Simple (as both a masterclass and a full 45-lesson course with companion e-book), and Small Business Tax Facts (book). The company also offers personalized paid consulting sessions, an Ask Ronika Q&A service, and speaking engagements. All products and content are centered on Canadian small business tax, accounting, and finance education, with QuickBooks Online tutorials as a secondary offering. The founder is Ronika Khanna (CPA, CFA).

Differentiator

Problem solved

Functional benefit

Products and services

• Small Business Tax Essentials (Unincorporated) Bundle A bundle of 5 educational items covering everything needed to manage taxes as a Canadian small business or self-employed owner, including claiming business tax deductions, handling GST/HST filings, and T1 tax return requirements; priced at CAD $149 as a one-time purchase.
• Self-Employed Tax Return Made Simple (Course) 23-lesson step-by-step walkthrough of a complete self-employed tax return using UFile 2025 software; covers the T2125 form in full — income, expenses, home office, vehicle, and Capital Cost Allowance — plus how business income flows through the T1, with Quebec-specific guidance; priced at CAD $127 as a one-time purchase.
• The Small Business Guide to Maximizing Tax Deductions (Masterclass) A 4-lesson masterclass teaching small business owners how to reduce their tax bill by confidently claiming business expenses and maximizing deductions; priced at CAD $45 as a one-time purchase.
• Small Business Tax Facts (Book) A practical, easy-to-follow downloadable ebook written by an experienced CPA that helps Canadian small business owners navigate tax rules, stay compliant, and maximize deductions; priced at CAD $19.97 as a one-time purchase.
• GST/HST Made Simple (Masterclass) A masterclass that breaks down the essentials of GST/HST in Canada in a little over an hour, covering registration, charging, and filing; priced at CAD $45 as a one-time purchase.
• GST/HST (and QST) Made Simple (Companion Guide e-book) A comprehensive companion ebook to the GST/HST Made Simple course, providing step-by-step instructions on registering, calculating, and filing sales tax in Canada; priced at CAD $29 as a one-time purchase.
• GST/HST (and QST) Made Simple (Course) A 45-lesson comprehensive course designed to take Canadian small business owners from feeling overwhelmed about GST/HST and QST obligations to confident and in control, covering registration, tax calculation, input tax credits, and filing; priced at CAD $127 as a one-time purchase.
• Small Business and Your Dividends (Course) Course for incorporated Canadian business owners covering owner compensation strategies, including a deep dive into salary vs. dividends, related tax considerations, and step-by-step T5 dividend slip filing instructions.
• Paying Yourself From Your Corporation (Course) Course that explains what every incorporated Canadian business owner should know about paying themselves, dispelling common myths and walking through the math to determine the best compensation strategy.
• One-on-One Consulting Sessions A focused paid one-on-one consulting session providing personalized guidance on taxes, finances, or accounting, tailored to the client's specific Canadian small business situation; pricing is not publicly disclosed and is arranged on a quote/inquiry basis.
• Ask Ronika (Q&A Service) A Q&A service where Canadian small business owners can submit personal tax and finance questions to Ronika Khanna (CPA, CFA) and receive personalized written guidance; accessed via learn.montrealfinancial.ca/ask-ronika.
• Speaking & Media Engagements A service offering for event organizers and media outlets to book Ronika Khanna for speaking engagements or media appearances on topics related to Canadian small business finance, taxes, and accounting.

Quantifiable outcome

• Join 2,200+ Canadian business owners receiving free finance tips

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Podia Labs, Inc.coreTechnology or IntegrationMontreal Financial uses Podia platform for course delivery, digital product sales, and member community access at learn.montrealfinancial.ca. Privacy policy indicates Podia as the underlying platform provider.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• FreshBooks: FreshBooks is an SMB-focused accounting and invoicing platform used by many freelancers and service-based small businesses. It overlaps with Montreal Financial's self-employed and freelancer segment on both the software and educational content sides.
• Bench Accounting: Bench provides online bookkeeping and accounting services tailored to small businesses in North America, combining software with a dedicated team. Like Montreal Financial, it targets SMB owners who need external help with their books and taxes, but Bench focuses on ongoing bookkeeping rather than tax education.
• Wave Accounting: Wave is a Canadian-founded small business accounting, invoicing, and tax software platform, now part of H&R Block. It targets the same Canadian SMB and self-employed segment as Montreal Financial, but competes primarily through software rather than courses and advisory.
• CloudCFO (now Acodei): CloudCFO/Acodei is a Canadian fractional CFO and accounting service for growing small and medium businesses. It serves an overlapping Canadian SMB market with a higher-end advisory offering than Montreal Financial, targeting owner-managers needing strategic financial help.

Broad incumbents

• Xero: Xero is a global cloud accounting platform widely used by Canadian small businesses and accountants. It overlaps with Montreal Financial's QuickBooks-focused content and broader SMB accounting education, though Xero competes at the platform layer.
• Wealthsimple Tax: Wealthsimple Tax (formerly SimpleTax) is a leading Canadian tax preparation product from a major fintech. It competes for the same Canadian small business and self-employed tax filers that Montreal Financial addresses, especially around T1 and self-employment returns.
• QuickBooks Live (Intuit): QuickBooks Live pairs Intuit's dominant SMB accounting software with on-demand bookkeeping and tax help from certified pros. It competes with Montreal Financial's consulting and QuickBooks tutorial offerings, leveraging Intuit's distribution scale.
• H&R Block Canada: H&R Block is a major tax preparation retailer in Canada offering DIY software, in-person filing, and small business tax services. It overlaps directly with Montreal Financial's tax filing and advisory positioning across the Canadian SMB segment.
• Tumeric (formerly TurboTax Canada education content): TurboTax Canada (Intuit) is a major tax preparation product with extensive educational content targeted at Canadian personal and small business filers. It competes with Montreal Financial for the same DIY taxpayer audience that the blog, YouTube, and courses serve.

Emerging players

• The Tax Shelter (Canadian tax education): Independent Canadian tax content and advisory sites serve a similar audience of self-employed Canadians looking for plain-language tax help. They are an emerging content-led competitor to Montreal Financial's blog and course portfolio in the Canadian SMB segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ronika_khanna
• YouTubeyoutube.com/@montrealfinancial
• LinkedInlinkedin.com/company/montreal-financial
• Facebookfacebook.com/montrealfinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Montreal Financial