Notes from the back office

The Brief

Practice operations, bookkeeping, and tax, written for the clinic owners, business owners, and military families who have to live with the decision.

Latest
Psychotherapy Practice

The Third Path for Ontario Psychotherapists: Why the Solo vs. Group Binary is Outdated

Ontario clinicians are usually offered two options: give a group practice 30–40% of billings, or run everything solo. The Supported Practice Model is a third path: you keep full ownership of your brand, records, and clients while an outsourced team runs the back office.

August 22, 2026
3
min read
Giovanni Serebro
How Small Business Owners Are Adapting to Higher Costs
Small Business

How Small Business Owners Are Adapting to Higher Costs

Small business owners in Canada are facing stubbornly higher operating costs and only modest relief on borrowing, which makes every hiring, leasing, and growth decision feel heavier. Many are quietly adapting by tightening up their bookkeeping, turning tax into a planning input instead of a surprise, and using simple, regular numbers to stress-test decisions. Our work at Serebro Group sits in that space, helping small firms move from gut feel alone to gut feel plus clarity so they can keep growing with eyes open.

November 14, 2025
5
min
What the Bank of Canada’s Interest Rate Outlook Means for Small Businesses Going Forward
Small Business

What the Bank of Canada’s Interest Rate Outlook Means for Small Businesses Going Forward

In 2024, the Bank of Canada is expected to shift from high interest rates (now 5.0%) toward gradual cuts, with some forecasts seeing the policy rate trending toward 2.5% by the end of 2025. For small businesses, this points to cheaper borrowing, stronger consumer spending, and a more supportive environment for investment and growth. By reviewing financing, considering refinancing high-interest debt, and planning strategic investments now, businesses can be ready to take full advantage as rates begin to fall.

May 27, 2024
5
min

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