# Vargstone > Vargstone: Bringing Institutional-Grade Financial Expertise to SMBs and Real Estate Investors/Property Managers Across Canada and the U.S. Vargstone is a Canadian CPA-led firm specializing in real estate and property accounting, bookkeeping, and fractional CFO services for small to medium-sized businesses (SMBs), property managers, and real estate investors across Canada and the United States. Our Mission Our mission is simple yet powerful — to deliver institutional-level financial precision, transparency, and reporting standards to SMBs and real estate clients, empowering them to operate with the same clarity and confidence as large real estate funds and businesses. Our Expertise With proven expertise in property accounting, real estate investment management, and bookkeeping for SMBs, our CPA-led team provides the kind of rigor and reliability trusted by institutional investors/funds, private equity firms, and successful start-ups — but tailored and priced for smaller organizations. How We Deliver Value We combine advanced automation with hands-on CPA oversight to deliver financial statements, forecasts, and investor reports that are accurate, audit/tax ready, and decision-focused. Our unique business model allows us to offer this premium quality at a fraction of the cost, starting at just $300* per month. Whether you manage a portfolio of properties or run a growing business, Vargstone gives you the same tools, processes, and insights used by the biggest players — helping you stay compliant, gain transparency, and grow profitably. What Sets Us Apart Institutional-grade reporting quality CPA-led oversight for every client Affordable, scalable financial management > OUR SERVICES Choose the service that best fits your needs Property Accounting and Financial Reporting (Real Estate) Complete real estate finance and accounting partner, providing full-service accounting and fractional CFO solutions for real estate investors and property managers across Canada and the USA. Bookkeeping for SMBs At Vargstone, we are your complete real estate finance and accounting partner, providing full-service accounting and fractional CFO solutions for real estate investors and property managers across Canada and the USA. Our mission is simple: we manage your finances so you can focus on growing your portfolio and maximizing returns. We deliver professional, cost-efficient real estate accounting and bookkeeping services designed to fit the unique needs of Investors and Property Managers. From acquisition support and financial analysis to bookkeeping, cash management, transaction processing, and full financial statement preparation, our CPA-led team delivers accurate, timely, and investor-grade reporting, at a very reasonable cost. Our unique, streamlined structure, allow us to integrate seamlessly with your property management systems or operate independently - giving you real-time visibility, financial control, and confidence in every property's performance. 👉 Experience expert real estate accounting at a fraction of the cost - partner with Vargstone today. Our Services Include: Core Accounting Services Property Accounting for Residential and Commercial Assets Fractional CFO Services Corporate Accounting Accounts Payable and Receivable Bank Reconciliation Cash Management and Forecasting Financial Reporting Monthly and Quarterly Financial Reporting Packages (Compliant with IFRS, US GAAP, or ASPE) Consolidated Financial Reporting for Funds and Portfolios Supporting Schedules for Financial Reporting Budgeting, Forecasting, and Variance Analysis CAM and Property Tax Reconciliation Custom Investor and Management Reports Fund and Investor Services Limited Partnership Accounting with Detailed Investor Equity Tracking Waterfall calculations per Limited Partnership Agreement Capital Call and Distribution Management Management and Performance Fee Calculations (Small and Medium-Sized Businesses) Your outsourced finance department for small and medium-sized businesses across Canada and the US. Professional, affordable, and reliable financial support without the cost of hiring full-time staff. We go beyond basic bookkeeping - we are your outsourced finance department for small and medium-sized businesses across Canada and the US. Our goal is simple: to give business owners the clarity, accuracy, and financial confidence needed to make smarter decisions and accelerate growth. Our CPA-led bookkeeping and fractional CFO services are built specifically for SMBs that want professional, affordable, and reliable financial support—without the cost of hiring full-time staff or large accounting firms. Whether you run a retail business, professional service firm, or growing startup, we'll keep your books accurate, compliant, and tax-ready all year round. 👉 Focus on running your business—we'll handle the numbers. Our services include: Core Bookkeeping Monthly Bookkeeping with Tax-Ready Financial Statements Accounts Receivable (AR) and Accounts Payable (AP) Management Book Cleanup and Historical Catch-Up Services Multi-Entity and Departmental Tracking Cash Flow and Operations Cash Management and Forecasting Payroll Processing HST / GST Filing Support Advisory and Coordination Fractional CFO Support, Including Monthly CPA Review Meetings Coordination with Tax Accountants, CRA, Lenders, and Auditors --- ## Pages - [Blog](https://vargstone.com/blog/) - [Sample Page](https://vargstone.com/sample-page/): This is an example page. It’s different from a blog post because it will stay in one place and will... - [Home](https://vargstone.com/) - [Our Services](https://vargstone.com/our-services/) - [About Us](https://vargstone.com/about-us/) --- ## Posts - [Bookkeeping Done Right: How to Build a Financial System That Delivers Real-Time, Decision-Ready Insights](https://vargstone.com/bookkeeping-in-the-modern-day/): For many small and mid-sized businesses (SMBs), bookkeeping is treated as a compliance exercise, something done after the fact to... - [Bookkeeping Mistakes That Cost Canadian Real Estate Investors Thousands](https://vargstone.com/bookkeeping-mistakes-that-cost-canadian-real-estate-investors-thousands/): Avoid these common bookkeeping pitfalls that can significantly impact your real estate investment returns in Canada. --- # # Detailed Content ## Pages - Published: 2025-11-22 - Modified: 2025-11-22 - URL: https://vargstone.com/sample-page/ This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I'm a bike messenger by day, aspiring actor by night, and this is my website. I live in Los Angeles, have a great dog named Jack, and I like piña coladas. (And gettin' caught in the rain. ) ... or something like this: The XYZ Doohickey Company was founded in 1971, and has been providing quality doohickeys to the public ever since. Located in Gotham City, XYZ employs over 2,000 people and does all kinds of awesome things for the Gotham community. As a new WordPress user, you should go to your dashboard to delete this page and create new pages for your content. Have fun! --- --- ## Posts - Published: 2026-01-18 - Modified: 2026-01-19 - URL: https://vargstone.com/bookkeeping-in-the-modern-day/ For many small and mid-sized businesses (SMBs), bookkeeping is treated as a compliance exercise, something done after the fact to file taxes, satisfy lenders, or keep the CRA/IRS satisfied. Unfortunately, this mindset is one of the biggest barriers to growth. High-performing businesses treat bookkeeping very differently. They design their financial systems to deliver live, accurate, and decision-ready information, the same way institutional investors and well-run companies do. This article explains what a “successful” SMB bookkeeping system actually looks like, why most businesses fail to achieve it, and how to structure your financial operations to support better, faster, and more confident decision-making. The Core Problem: Most SMB Financials Are Backward-Looking Traditional SMB bookkeeping has three common flaws: Delayed reportingFinancials are completed weeks or months after period-end. Low confidence in accuracyOwners often “don’t fully trust the numbers,” especially around cash, profitability, or liabilities. No operational relevanceReports are produced, but they do not answer real business questions like: Can I afford to hire? Which product, customer, or property is actually profitable? How long can we operate at current cash burn? When financial data is stale or unreliable, decision-making defaults to intuition. That may work early on but it breaks as complexity grows. What “Institutional-Grade” Bookkeeping Really Means for SMBs Institutional-grade does not mean overcomplicated or expensive. It means your system meets four core criteria: 1. Timeliness: Monthly Is the Minimum Standard A functional SMB bookkeeping system delivers closed, reviewed financials every month, typically within 10–15 business days. This includes: Reconciled bank and credit... --- - Published: 2025-12-01 - Modified: 2025-12-01 - URL: https://vargstone.com/bookkeeping-mistakes-that-cost-canadian-real-estate-investors-thousands/ Avoid these common bookkeeping pitfalls that can significantly impact your real estate investment returns in Canada. Avoid these common bookkeeping pitfalls that can significantly impact your real estate investment returns in Canada. Introduction As a real estate investor in Canada, maintaining accurate financial records isn't just about compliance—it's about maximizing your investment returns. At Vargstone, we've seen how proper bookkeeping can transform a struggling property portfolio into a thriving investment. In this post, we'll explore five common bookkeeping mistakes that could be costing you thousands. 1. Mixing Personal and Business Expenses One of the most common errors we encounter is the commingling of personal and business expenses. This practice not only complicates tax preparation but can trigger audits and limit your ability to claim legitimate deductions. Solution: Open separate bank accounts and credit cards specifically for your real estate business. This simple step creates a clear paper trail and simplifies expense tracking. 2. Inconsistent Expense Tracking Many investors track expenses sporadically, leading to missed deductions and inaccurate financial reporting. This inconsistency makes it impossible to gauge the true performance of your properties. Solution: Implement a digital expense tracking system that allows you to capture receipts on the go. Modern property management software can integrate with your accounting system to automate much of this process. 3. Ignoring Seasonal Expense Variations Canadian real estate has distinct seasonal patterns that affect expenses—heating costs in winter, landscaping in summer, and maintenance throughout the year. Failing to account for these variations can lead to budget shortfalls. **Solution:** Analyze at least two years of expense data to identify seasonal patterns. Create a... --- --- > Contact Us We'd love to hear from you! 📞 Phone: +1 (647) 799-8365 | 📧 Email: info@vargstone.com Vargstone Vargstone is a Canadian CPA-led firm specializing in real estate and property accounting, bookkeeping, and fractional CFO services for small to medium-sized businesses (SMBs), property managers, and real estate investors across Canada and the United States. linkedin 📞 +1 (647) 799-8365 📧 info@vargstone.com ---