Yes. We specialize in virtual bookkeeping, business coaching  and CFO advisory, allowing us to serve business owners across the U.S. with secure, cloud-based tools and clear communication—no matter your location.

Yes! If you already have a bookkeeper or other accounting staff, we can provide you virtual CFO services. 

However, if you need bookkeeping services, we can provide virtual bookkeeping as a standalone service or alongside our CFO services. 

We provide virtual bookkeeping and CFO advisory services for service-based businesses, entrepreneurs, and small business owners across a range of industries. Whether you’re a creative professional, consultant, coach, or founder scaling your operations, we offer financial strategy and support designed to help you grow confidently and profitably. Our clients typically need small business bookkeeping services, cash flow planning and financial forecasting, CFO support for strategic decision making, clarity, and structure to scale. 

A virtual CFO helps you identify your business and cash flow goals. Then, we will identify the most impactful 2-3 next steps to help you achieve your goals that will really move the needle. We know that you’re busy running your business, so if we give you more than that, you’ll be paralyzed by overwhelm.  You’ll get an easy-to-read dashboard of key levers that need to be pulled to achieve results—without the cost of a full-time CFO. This service is ideal for small businesses that need financial leadership to grow sustainably.

Yes. A bookkeeper helps you to create your financial records. A CFO advisor helps you plan for the future. If you want to improve cash flow, increase profitability, or make strategic decisions with financial clarity, CFO support is the next step.

We can handle your bookkeeping needs, but if you already have a bookkeeper, we can still provide virtual CFO services. 

Absolutely. We offer professional bookkeeping services for small businesses, including monthly reconciliations, reporting, and support. We also offer payroll, bill pay, and accounts receivable services, in addition to HR services, if you have employees.

If your needs grow, we can seamlessly add CFO advisory services, to provide deeper financial strategy, coaching to overcome mental and emotional blocks like imposter syndrome, and more.

Yes! We offer bundled financial service packages that combine monthly bookkeeping with CFO-level strategy, giving you full-spectrum financial support—from daily transactions to long-term planning.

Pricing varies based on the size of your business and the level of support you need. We offer custom packages for monthly bookkeeping, strategic CFO advisory, or both—designed to fit your goals and budget. Our average CFO advisory client pays between $2900-$7,000 a month. 

You are ready for CFO services if:
-you’re struggling to make payroll, managing bills week to week, or unsure why there’s never enough money left at the end of the month

-you want to increase your cash flow

-you need actionable steps to reach your business goals

-you want to scale with a clear financial roadmap

-you are ready to take back your life and enjoy your business again

If you want to move from surviving to scaling—with more clarity, strategy, and control—you’re ready for CFO advisory services.

You are ready for CFO services if your business is making $500,000 or more in revenue. If your business is making less, I recommend our coaching program and bookkeeping services. 

Getting started is simple. Schedule a free consultation, and we’ll assess your current financial systems, understand your goals, and recommend the right service level for your business. You can schedule a free consultaiton at the bottom of this page. 

Strategy without behavior change often leads nowhere. Most business owners don’t just need data and plans—they need help applying them, navigating mindset blocks, and making better decisions consistently.

Here’s why offering coaching is essential to business success:

-Coaching bridges the gap between knowing and doing. If your fears are keeping you from raising prices, reviewing the financials, terminating an employee, creating a new product, etc, then you won’t achieve your goals, but also cash flow will probably suffer. 

-Many entrepreneurs feel alone in their business with no one to talk to. Coaching provides a thought partner plus accountability, so you stop spinning and start making empowered decisions. 

-Coaching helps business owners build systems and habits that create consistent results—not just short-term fixes.

Coaching combined with our other services like bookkeeping and CFO advisory makes you unstoppable. 

Our financial services save business owners time by handling the books, creating clear reports, and offering actionable steps—so you can stop digging through spreadsheets, sorting receipts, spending your time on Google to learn QuickBooks, and focus on running your business.

A virtual CFO advisor saves a business owner time by handling the financial strategy, decision-making prep, and number analysis—so you don’t have to. Here’s how:

–Cuts through financial confusion

Instead of wasting hours trying to calculate and understand reports or make sense of spreadsheets, your CFO advisor turns data into clear, actionable insights. You get the answers you need—fast.

–Streamlines decision-making

No more second-guessing or overthinking. No more Googling or asking ChatGPT. Your CFO advisor is your strategic guide to making confident, strategic decisions without getting stuck in analysis paralysis. You’ll get a financial roadmap that leads right to your goals and targets, saving you the time and stress of figuring it all out on your own. 

–Acts as your financial partner

No longer will you be the only one thinking about your cash flow. Your virtual CFO acts as a strategic partner, so you’re always moving toward your goals with clarity. 

Yes, all of our bookkeeping and CFO advisory services are 100% virtual. We use secure, cloud-based tools to collaborate with clients anywhere in the U.S., making it easy to stay organized and connected. However, if you have a strong desire to meet in person, can add travel to our engagement agreement.

Accurate bookkeeping gives you a clear view of your finances, allowing you to make informed decisions. With reliable reports and organized records, you can identify profit opportunities, optimize cash flow, and confidently plan your next steps.

First, know that I am a bookkeeper, coach, and CFO advisor, and not an accountant or a CPA. Usually, an accountant has a bachelor’s degree in accounting while a CPA is an accountant that has also earned the CPA designation after passing a state exam, which is specific to each state’s requirements. Becoming a CPA requires a lot of course work in high level accounting, such as taxes and auditing in addition to accounting skills. Due to this high level of education, accountants are often less expensive than a CPA, but you can still expect to pay $100-$500 an hour for an accountant or CPA. I do not recommend having a CPA or accountant do your bookkeeping. My experience has been that most accountants and CPAs just complete the books using journal entries and not the functionality of the accounting software and charge more than a bookkeeper for these services.

Foundationally, bookkeepers handle the regular tasks of recording the expenses and income of a business, completing bank reconciliations, running reports that summarize the businesses financial position, create, send, and receive payment for invoices, enter bills into the accounting software and submit payments with the approval of the business owner, run and handle payroll bookkeeping services, and some even prepare tax returns. There is no education or licensure requirement for bookkeepers. This means that ANYONE who wakes up today and decides to create a website and say they are a bookkeeper, can! Before you get scared, know that you are in good hands with me. I didn’t just wake up one day and hang out my shingle. I have years of related experience in the corporate world. I was a controller (a high-level position supervising the quality of accounting and financial reporting by a strict set of accounting principles and internal controls), Human Resource Director, and Regional Director of Revenue for upscale hotel companies like Hilton Hotel Corp, Destination Hotels and Resorts (which was bought out later), and Omni Hotels and Resorts (in their corporate office in Dallas, TX). I have also participated in and completed many courses, certifications, and associations related to bookkeeping like Gusto (HR, payroll, contractor payments), QuickBooks Online ProAdvisor (bookkeeping software to produce financial reports), Bill.com (accounts receivable and accounts payable management), Digital Bookkeepers Association, and many more. I also serve on several advisory boards for applications related to bookkeeping. You can check out all of my experience here. While I can provide basic bookkeeping services, I am a 21 st century bookkeeper with years of experience providing advanced services. If you need it, we can probably do it for a lot less than a CPA or accountant. However, we work side by side with CPAs and accountants during tax time to ensure they have the documents needed to file your tax return promptly.

Accrual basis means that all items related to your financials are recorded when they occur, which is often before money is exchanged (paid or received). This follows the Revenue Recognition Principle of accounting, which means that companies recognize revenue as it’s earned not when they receive the money. For example, if you sell a product today, but you send out the invoice tomorrow and receive the check/payment three weeks from now, you would recognize this on your financials today, when you sold it, not when you got the money for it. If you used cash basis, you would record revenue and expenses when the money is received or paid out. So, in the example above, the transaction would be recorded when the check was received, not when it was sold. There are benefits to both. Cash basis is very simple, which is why most business owners doing their own bookkeeping prefer it, because it is a bit more complicated to ensure that everything is recorded when it is earned, which can sometimes be unclear in complex businesses. The best part of accrual basis, is that the financial statements line up really well, meaning that under rent you are likely to have a rent payment in each month’s column on the financial statement because rent is recorded based on the month the payment is paying for, so it’s easy to see when a payment is missing. However, with cash basis, you could have 2 rent payments show in a single month, depending on the date the rent was paid (you could pay the rent on the 1st for the current month and 31st for the following month and it will show in the same month on the financials). There are times when the IRS requires a business to follow the accrual basis, like when inventory is involved, if the business is a C-corporation, and if the gross revenue exceeds $5M per year. The accrual method is best, even if your business does not fall into the requirement, because the accrual method provides the most accurate picture of your business. 

Most bookkeepers charge $40-$250 hourly, but we do not. We evaluate your business needs, the services you require and how many transactions your business has (invoices, bills, payments, deposits, expenses, etc.) to create a custom package. 

New businesses with a couple of transactions enjoy our starter package starting at $500 on a quarterly basis. Our basic monthly package, for a small number of transactions, starts at $900 a month. This basic plan includes reconciliation of your accounts and generation of financial statements each month. Our standard plan averages $1,800 a month. However, all pricing depends on the size of your business, the complexity of your business and processes, and add-on services you need. Some of our larger bookkeeping clients pay as much as $2800-$5,000 for full-service bookkeeping (we handle all of their needs) but there is no limit to what we can handle.

Don’t forget we also offer coaching and CFO services that can support your business alongside any bookkeeping service to help you achieve results more quickly. 

The best bookkeeping application or system is QuickBooks Online for most businesses. If you need to convert from another system, we can help you with that. If you want to upgrade from a self-employed version, we can help you with that. If you are a large company that needs us to research the best system for your specific business needs, we can help you with that! In general, QuickBooks Online has everything and more that a business could need. I am a QuickBooks Online ProAdvisor which means I have passed rigorous exams to prove to QuickBooks that I am proficient at using their system, and educated on the preferred workflows to handle unusual situations that may arise, like refunding a vendor, that is also a customer, for a payment they paid the client that the client was supposed to pay them. No problem!

Yes, you should have a business bank account. The Internal Revenue Service (IRS) insists that if you are taking business deductions on your taxes for your business that you are running an actual business and not a glorified hobby. Having a business bank account, credit card account and/or business loan shows that you’re serious about your business. You should not comingle expenses or income between your business and personal accounts. Moving money between your business and personal accounts can be done in several ways, but must be done properly. For example, you should never pay yourself with money directly received from a client. The client’s money should be deposited into the company account first and then in a separate transaction, you can pay yourself. If you are comingling funds between business and personal, commit to embracing your business accounts for business expenses only. 

Paying yourself depends on how you are organized in your organizing documents. If you are allowed to take a distribution, then you can write yourself a check or ACH/wire from your business account to your personal account. You would record this money as a distribution or a draw. If you must pay yourself via payroll, then it will be recorded as wages in your financials. Our payroll management services can help you figure out exactly what you need. In some cases, you may be allowed to take a distribution and payroll (both). However you are paid, it must be from your business account(s), recorded properly on your financials, and be separate from any customer invoice payments. 

It is not optimal to pay employees or contractors via apps like Venmo or PayPal. It is best to pay contractors with a check or through a payroll provider like Gusto. Gusto is the premier service for payroll, which also has the option to pay contractors. Gusto handles all deductions, child support garnishments, tax payments, W2 and 1099 tracking and form submissions.  Employees can even upload expense reports, you can approve them, and the expense report can be paid via the payroll cycle. Our payroll and bookkeeping services include bookkeepers certified in the Gusto application who are prepared to use the application to its fullest based on your needs. 

For all businesses, we use an application called Bill.com. Bill.com benefits include ease of reviewing outstanding bills, one-click bill payment owner approvals so I can pay your bills, and various payment methods for your vendors including virtual credit card, check, or ACH wire.  Vendors can manage their own account to know when money is on its way to them, and enter their bank information directly into the application (so you never have to see it) for faster ACH payments. Bill.com can also receive payments, as does QuickBooks Online, making receiving money easy too. I am certified in Bill.com and prepared to use all of its features to support your business, which provides security, an efficient workflow, and time savings. 

As a former Human Resource director for Hilton Hotel Corp, I am able to provide direction on how to handle difficult employee situations; handle benefits and 401K and other paycheck deductions; create onboarding documents, SOPs, employee handbook, and employee documentation guidelines; provide mission and vision statement guidance; provide employee retention strategies and benefits, and SO much more.

Yes! We can help you with business processes and workflows to optimize savings on expenses and increase revenues. We also focus on workflows that affect how your financials are created.  We don’t want you drowning in receipts, check stubs, and bank statements. We ensure that we make things as easy as possible for you so you can get back to running your business and enjoying the life you’re working hard to create. For example, we use an application called Auto Entry to help you easily and quickly send us images of your receipts so we know how to code expenses when they come through the bank feed of your QuickBooks Online account. Access to this application is included in our bookkeeping prices. QuickBooks Online does offer a receipt function however it is not as thorough as Auto Entry, and Auto Entry is more robust and can include all of your employees too (QBO only works for employees that have access to the banking tab which is not appropriate for most employees). Contact us today to create immediate time savings and get back to what matters most!

Assets (in terms of equipment or purchases such as a vehicle, machinery, equipment) for small businesses are items that individually cost $1500 or more (as a general rule, but this can be customized) and are purchased with funds from business accounts. If you make a purchase of 5 items that total $1500 this would be considered an expense and not an asset. If you have 1 item that was $1500, it would likely be considered an asset. The important thing is that whatever you decide is the threshold ($1500 or more per item) for an asset, it should be a consistent rule. 

If you purchase something with your personal money, you can add it as a contribution to the business, but consider why you would add it to the business. That item becomes the property of the business even if the business were to be sold or if it should not succeed. You would want to speak with your tax attorney or other professional before adding personal property into the business.  

Just like when you buy a car for yourself, as soon as you drive it off the lot the vehicle is worth less than when you bought it. When you have an asset on your financials it loses value as it ages due to wear and tear/usage. Your tax professional can help you determine the depreciation or decrease in the value of your asset(s) and we can apply that depreciation to your books. Your tax professional will also take into account how long the item will be useful or usable as guided by the IRS. 

Other examples of assets (tangible or intangible) are cash, inventory, licenses, furniture, computers, trademarks, patents, buildings, and accounts receivable. These should also be entered into your financials as they pertain to your business. Be sure to communicate all assets to your bookkeeper, even intangible assets, to ensure that your financials are complete.

A 1099 is simply a report or statement of income to show the IRS what your company paid an independent contractor or business, defined as someone who isn’t tied to any employer or single business, meaning they can work for whomever they want and they are free to work as they wish as long as they provide the agreed upon outcome or result. Since it is not required to withhold taxes for independent contractors, the 1099 ensures that the IRS can tabulate that person’s or company’s income and properly collect taxes during the annual tax filing process. There are various types of the 1099 form, but the more common ones are the 1099 MISC and 1099 NEC, which report different types of income. The criteria for a 1099 is that you paid them more than $600 (in total) for the year via (cash) ACH or check. 1099s can also be submitted for rent payments, attorney fees, professional services like your bookkeeper or accountant/CPA, etc. The key factor here is that these individuals are not employees of your company. 1099s are due by the end of January each year, with one copy sent to the independent contractor, individual or company, and one copy sent to the IRS. We can file 1099s for you as part of our services and collect the necessary information from your vendors like the SSN or EIN, address, and email address to file the 1099. 

A W2 statement shows the IRS what wages were earned by your employee and how much tax was withheld from their paycheck. An employee is defined as someone who is tied to one employer, cannot work for as many businesses as they want, and whom the employer has control over what they do and how they do it. The amount of taxes withheld are important because the taxes they paid will reduce the amount of money they may owe when their annual tax return is completed. We can complete all payroll services via the Gusto application to produce a W2, onboard each current and new employee to collect the necessary information for the W2 like name, address, and SSN and Gusto will pay the withheld taxes throughout the year on behalf of you and your employees. I am certified in the Gusto application and prepared to use Gusto to serve all of your business needs. 

Every business owner, at a minimum, needs a bookkeeper, a CPA or accountant for high level accounting and tax filings, and an attorney. I recommend combining the CPA and attorney with a tax attorney. I have seen far too many of my clients spend too much time running between their CPA and attorney trying to determine the best course of action for their business. Not sure who to call? I have a contact list of seasoned professionals that I am happy to share with you. 

Once you reach the $500,000 mark in revenue, it may be time to consider the faster growth a CFO can provide. 

In today’s technological world we know we don’t have to be in the same room, building, city, state or country to communicate, collaborate and drive business results. Virtual just means that I may not live in your town and we may not meet face to face, but being virtual allows me a flexibility to serve you without physical constraints. There are many benefits of having a virtual bookkeeper and the largest, is that it saves you money. You receive high quality results without having to provide office space, equipment, benefits like sick and vacation time, pay an hourly rate or a high monthly salary. Just book a consultation call which allows me to learn about your needs and you can be on the road to freedom. 

While there is always cyber risk in this world and we can’t make any guarantees, as a virtual bookkeeper I utilize several applications with bank-level security for documents, receipts and your financials. You’ll have 24/7 access to your information from any device. We also have Errors and Omissions Insurance of $1,000,000 and Cyber Insurance of $1,000,000. 

It is ideal for a business owner to look at their financial statements at least once per month. We’ll send you financial statements each month (unless you are a small business on a quarterly package). I will meet with you to review your financials and help you understand the story they are telling you. Don’t know how to read financial statements? No problem. I can help you understand what the numbers mean. Together we will begin to use them proactively and strategically instead of reactively to make decisions about your business. 

We can compare your financials to industry benchmarks to give you a solid idea of where you stand compared to others in your industry. This is a service we offer if you would find it helpful.

While many businesses can claim an average of $50K, most businesses don’t take advantage of research and development (R&D) credits at all, with more than 50% of credits going unclaimed each year.

An R&D credit is a tax credit for innovating in your company, which can include simple things like improving products, processes, software, techniques, and more. You might think you have to find a cure for a disease to get a tax credit, but that’s not even close to true. Even adding automation to your business can count. To qualify you have to do these things: 1. create a new product or process or improve upon an old one 2. Try to solve a problem that doesn’t have a clear answer. 3. Use science or technology to solve your problem. 4. Experiment and test. 

Examples can include a golf apparel retailer improving their inventory management system, a liquor company that improves packaging techniques, or a construction company that creates a prototype.

Only related expenses count like salaries and wages of those who did the research, research supplies, and cloud services. You must own the item or research that’s being done, you can’t do the research on behalf of someone else. 

You may be able to reduce payroll taxes for R&D, if your company is in the first five years of having gross receipts, which can’t exceed $5 million. 

We can help you evaluate your business to optimize your R&D credits.