Bookkeeping, GST/HST filing, payroll compliance, and year-end financials for small businesses — handled by a founder who also teaches financial literacy in the community, not just in a spreadsheet.
No bundled software you don't need, no jargon-heavy invoices — just the essentials, done right and on time.
Monthly reconciliation and clean, current books — so you always know where the business stands.
Accurate filings, on schedule, so remittances never become a scramble.
Payroll set up and run correctly against current CRA requirements.
Year-end statements prepared and organized, ready to hand to your accountant.
Budget & Bloom was founded by Karen J. Rutto to make small-business finances feel manageable — not mysterious. Alongside client work, Karen leads financial literacy sessions for individuals and community groups, including newcomers to Canada.
Founder & Principal Consultant
B.Comm · MBA · MA in Global Leadership, Royal Roads University
Registered accounts, budgeting, and everyday money questions — explained plainly, one-on-one or with your church or community group.
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