Whitby · Serving Durham Region
Steady financial counsel for Durham's businesses and families.
We're a Whitby CPA firm helping owners, professionals, and households keep more of what they earn — with advice that's plain-spoken, proactive, and built to last.
Est. 2004 · Whitby, Ontario
Numbers handled with care,
advice you can build on.
Carmichael & Roe is a chartered professional accounting firm serving the families and businesses of Durham Region for two decades.
Whitby · Serving Durham Region
Know where you stand before you sign anything.
Get a transparent estimate of your annual accounting fees and potential tax savings in under a minute — then talk to a real CPA, no obligation.
Years serving Durham Region since 2004
Returns prepared and filed every year
Local businesses we advise
Of clients return to us each year
What we do
Full-service accounting, without the jargon.
From a first T1 return to a multi-entity corporate group, we handle the work and explain the why. Four core service categories, one accountable team.
Margaret Carmichael
CPA, CA · Founding Partner
Daniel Roe
CPA · Partner, Tax
Who we are
A Durham firm that grew up with its clients.
Carmichael & Roe opened above a King Street storefront in Whitby in 2004 with a simple idea: small businesses and working families deserve the same caliber of advice the big firms reserve for big accounts.
Two decades on, we serve clients across Whitby, Oshawa, Ajax, Pickering, and Clarington — from first-year incorporations to multi-generation family businesses. We've grown, but the principle hasn't changed: you talk to a partner, not a queue.
We're registered with CPA Ontario, work year-round rather than only at deadline, and measure ourselves by one number — how many clients come back.
Our approach
Four steps. No surprises.
Engagements run on a rhythm we've refined over twenty years — so you always know what's next and what it costs.
STEP 01
Introductory call
A no-cost conversation to understand your situation, your goals, and whether we're the right fit.
STEP 02
Review & plan
We examine your records, scope the work in writing, and flag the savings opportunities before we begin.
STEP 03
Prepare & file
We do the work accurately and on time, keep you informed in plain language, and file with confidence.
STEP 04
Year-round counsel
We check in before deadlines, not after — adjusting the plan as your life and business change.
Fee & savings estimator
A straight answer on what it costs.
Tell us a little about your situation for a transparent range — most firms won't. It's an estimate, not a quote, but it's honest.
Estimated annual fee
$420–680
Personal tax return, prepared and filed.
Potential annual tax savings
up to $1,900
Through planning, deductions, and the right structure.
// Estimates are illustrative and based on typical Durham Region engagements. Your actual fee and savings depend on complexity and are confirmed in a written engagement letter. No obligation.
Get an exact quote →In their words
Clients who stayed.
They caught a structuring issue our last accountant missed for three years. Switching paid for itself in one filing.
I actually understand my own numbers now. Daniel explains things without making me feel like I should already know them.
Same partner every year, calls me back the same day, never a surprise invoice. That's rare, and I don't take it for granted.
Get in touch
Book a consultation.
The first conversation is free and there's no obligation. Tell us what you need and we'll be in touch within one business day.
Office
142 Brock Street North, Suite 3
Whitby, ON L1N 4H3
Direct
905·555·0142
hello@carmichaelroe.ca
Hours
Mon–Fri · 9:00–5:00 | Extended hours Feb–Apr