We built this firm because warranty liability was being systematically underestimated
Our team exists to close the gap between warranty exposure and the reserves that actually cover it
Financial planning support is advisory in nature. Results may vary based on individual business circumstances.
Founded on a conviction that warranty liability deserves serious financial discipline
A firm built around one overlooked corner of the balance sheet
Over time, our team has developed structured internal processes for modeling warranty cost trajectories across industries, claim frequency patterns, and reserve adequacy benchmarks. We work with manufacturers, distributors, and service providers across Canada who recognize that their warranty commitments are not footnotes — they are obligations with real cash consequences. Our approach is analytical, our reporting is plain-language, and our recommendations are grounded in evidence rather than assumption.
Structured warranty reserve modeling built around your product lifecycle and claim history
Reserve adequacy benchmarking compared against industry patterns and regulatory expectations
Plain-language financial reporting that translates technical liability data into board-ready insights
Ongoing advisory relationships calibrated to your business size and warranty program complexity
Precision in warranty reserve planning
Modeling that reflects actual exposure
The principles that shape every engagement
Intellectual Honesty
Our team does not tell clients what they want to hear about their warranty reserves. If the numbers indicate under-provisioning, we say so plainly, with evidence, and we explain the implications in terms that connect to real business decisions. Comfortable assumptions are the enemy of sound financial planning.
Methodological Precision
Every warranty liability estimate our team produces follows a documented internal process. Inputs are sourced, assumptions are stated explicitly, and sensitivity ranges are shown alongside point estimates. A reserve figure without a methodology behind it is not a plan — it is a guess dressed as one.
Client Partnership
We work alongside finance teams, not above them. Our team brings analytical depth and warranty-specific expertise; our clients bring operational knowledge and business context. The best reserve models emerge from that combination, not from either side working in isolation from the other.
Proactive Monitoring
Warranty liability does not stay static. Claim rates shift, product lines change, and regulatory expectations evolve. Our team builds review cycles into every advisory relationship so that reserve positions are reassessed regularly — before a gap becomes a crisis rather than after.
Full Transparency
Clients receive complete visibility into how their warranty reserve figures are constructed. Every assumption, data source, and adjustment is documented and explained. Our team does not produce black-box outputs — the reasoning behind every recommendation is available for scrutiny and challenge.
Proportionate Scope
A small manufacturer with a simple warranty program does not need the same analytical infrastructure as a national distributor with complex multi-tier obligations. Our team sizes its work to match the actual exposure profile of each client — rigorous where it matters, efficient everywhere else.
The people behind the warranty liability practice
Dr. Margaret Osei-Bonsu, CPA, CFA
Managing Director, Warranty Liability Practice
Margaret founded the warranty liability practice after more than a decade advising Canadian manufacturers on financial risk. She identified warranty reserve adequacy as a systematically neglected area of business financial planning and built the firm's core analytical methodology around closing that gap. Her work spans consumer goods, industrial equipment, and professional services sectors.
Recognition and Affiliations
Excellence in Financial Advisory
Canadian Finance Institute
Recognized for outstanding analytical rigor and client outcomes in warranty liability financial planning across Canada.
Risk Planning Innovation Award
Risk Professionals Association
Acknowledged for developing structured internal processes that advance reserve adequacy modeling for Canadian businesses.
Professional Member, CPA Canada
CPA Canada
Full professional membership maintained by certified team members, upholding national accounting and reporting standards.
Business Advisory Distinction
Financial Advisors Council
Commended for delivering clear, evidence-based warranty liability guidance to enterprise clients across multiple Canadian industries.
Compliance and Reporting Commendation
Standards Review Board
Recognized for consistent alignment between client reserve recommendations and applicable Canadian financial reporting standards.
Your warranty reserves deserve the same rigor as every other liability
Most businesses discover a warranty reserve gap only after it becomes a problem. Our team helps you model, monitor, and address that exposure before the claim cycle reveals what the spreadsheet missed.
-
3-step structured review process
-
5+ Canadian industries served
-
48hr typical onboarding response time
No commitment required for an initial conversation. Results may vary based on your business circumstances.