Bookkeeping services are built to provide accurate, consistent, and meaningful financial records that reflect how your business actually operates. I provide full-charge bookkeeping support using modern cloud-based tools, with a disciplined approach shaped by long-standing training and hands-on experience.

Bookkeeping support may include:

• Full-charge bookkeeping using QuickBooks Online (ProAdvisor certified)
• Xero bookkeeping support (Level 2 certified), when Xero is the better fit
• Transaction categorization and bank and credit card reconciliations
• Accounts payable and accounts receivable support
• Job costing and project tracking for contractors and project-based businesses
• Payroll support for businesses that prefer not to manage it themselves
• Journal entries, adjustments, and month-end close
• Cleanup or catch-up work when books have fallen behind

Services scale to what your business actually needs. Some owners require comprehensive ongoing support, while others need focused help in specific areas such as payroll, project tracking, heavier AP/AR activity, or periodic review.

Financial reports are prepared and presented in clear, straightforward language. Rather than delivering statements without context, I explain what your numbers are showing, what they mean for your business, and whether you are trending toward a financially healthy position—without requiring you to speak accounting jargon or decipher reports on your own.

Bookkeeping is performed remotely using secure, read-only bank feed access, mobile tools, and video meetings when helpful. Read-only access reduces the need for business owners to send statements, allows questions to be answered efficiently, and reinforces a strict separation of duties—there is no ability to move funds or initiate transactions. This approach saves time, reduces frustration, and maintains clear security boundaries.

Using a remote bookkeeper also eliminates the overhead associated with on-site staff, including wages, benefits, equipment, and ongoing training. Rather than training an entry-level employee and hoping books are maintained correctly, business owners gain direct access to a professionally trained and experienced bookkeeper. The result is consistent, accurate work delivered efficiently, without sacrificing accountability, data security, or clarity.

Many small business owners handle their own bookkeeping but find payroll to be the part that becomes increasingly difficult to manage. Payroll is more than writing checks — it involves worker classification, accurate journal entries, payroll tax filings, and staying aligned with rules that change over time due to legislation and regulatory updates.

If any of the questions below sound familiar, payroll support may be worth considering:

• Are payroll entries being recorded correctly in your books each pay period?
• Are workers classified properly as W-2 employees or 1099 contractors, and documented correctly?
• Do you know what is required for year-end payroll and 1099 reporting?
• If you operate as an S Corporation, are owner wages and distributions being handled correctly?
• Are payroll tax filings and payments submitted accurately and on time as requirements change?
• Do you have time to keep up with payroll-related changes driven by new legislation?
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Payroll support is available for small businesses with straightforward payroll needs that prefer not to manage these details themselves. Services are primarily provided using QuickBooks Payroll, where I am trained and certified. For businesses with fewer than five employees or contractors and simple pay schedules, payroll may also be handled manually when appropriate, which can reduce or eliminate the need for additional payroll software subscriptions.

Payroll support may include:

• Payroll setup and ongoing processing
• Employee and contractor pay calculations
• Payroll journal entries and proper posting to your books
• Payroll reports for owner review and recordkeeping
• Preparation and submission of required payroll tax filings
• Year-end payroll and 1099 support

This service is designed to reduce the ongoing mental load and compliance risk associated with payroll, allowing business owners to focus on running their business while payroll and related tax obligations are handled accurately and consistently. As payroll needs evolve, support options can be reviewed to ensure the right tools and processes remain in place.

When applying for financing, lenders are not looking for raw bookkeeping data. They are looking for clear, complete, and well-organized financial information that allows them to evaluate risk, liquidity, and performance efficiently.

Financial reporting support is designed to prepare lender-ready financial packages that meet common commercial lending expectations. Reports are structured to present a clear summary first, supported by detailed schedules, and written in plain language so business owners understand what their numbers show and how lenders are likely to view them.

Financial reporting support may include:

• Comprehensive summary reports with month-by-month and year-to-date comparisons
• Plain-language explanations of financial changes and trends
• Liquidity analysis to support lender evaluation
• Balance Sheet, Profit & Loss, and Statement of Cash Flows
• Accounts Receivable and Accounts Payable aging reports
• Supporting schedules organized for lender review

Reports are designed to answer the questions lenders typically ask while remaining understandable to business owners without requiring an accounting background. This approach has been well-received by local commercial lenders for its clarity, completeness, and organization.

This service prepares financial information only. It does not include tax return preparation, forecasting, or business plans, which are typically required separately by lenders. Financial reporting support does not imply or guarantee loan approval; it provides the financial information lenders need to evaluate and process an application according to their own standards.

Referrals to local commercial lenders may be available upon request. Any such referral is offered as a convenience only and does not imply endorsement, influence, or a guaranteed outcome.

Tax preparation services are offered for individuals and small business owners with straightforward filing needs who value accuracy, clarity, and careful handling of their information. Tax law changes regularly, and recent legislation has added additional complexity to individual filings, making up-to-date training and deliberate preparation more important than ever.

Tax preparation is supported by structured coursework aligned with IRS guidelines, combined with formal training through Intuit, the developer of widely used professional tax and accounting platforms. Training includes Level 1 and Level 2 individual income tax coursework, as well as specialized instruction related to cryptocurrency reporting. Preparation focuses on applying current tax law accurately, supported by appropriate documentation and review.

If you are considering tax preparation support, the questions below may help determine whether this service is a good fit:

• Is your return relatively straightforward, such as wages, self-employment income, or small business activity reported on an individual return?
• Do you have records available to support income, deductions, and credits?
• Are you looking for help understanding what information is required and how recent tax law changes affect your filing?
• Would you prefer the option of meeting in person or working remotely, depending on your situation?

Tax preparation services may include:

• Individual federal and state income tax returns (Form 1040)
• Review and organization of income and expense documentation
• Identification of common deductions and credits
• Cryptocurrency transaction reporting, when applicable
• Clear explanation of filing results and outcomes

Tax preparation services are offered for individual returns only at this time. Preparation of business entity returns, including Form 1120 filings, is not currently offered. Training is underway to expand into corporate tax filings, with the intent to support 1120 returns beginning with the 2026 filing year, once training, testing, and readiness standards are fully met.

Tax preparation requires ongoing education to remain aligned with changing laws, regulations, and filing requirements. Services are offered with a deliberate focus on accuracy, compliance, and proper documentation, ensuring work is performed correctly before expanding scope or exposing clients to unnecessary risk.

Meetings may be conducted in person or remotely, based on client preference and availability.

Early tax preparation experience includes participation in a VITA program during military service, providing foundational exposure to individual tax filing and taxpayer assistance.

My pricing is structured to reflect the scope of work, complexity of your needs, and the value delivered, not a one-size-fits-all rate sheet. Services can be priced in one of several flexible ways — monthly packages, hourly engagements, or project/bundle fees — depending on what best matches your business operations.

Bookkeeping

Bookkeeping fees depend on:

• Monthly transaction volume
• Number of accounts and platforms
• Frequency of reconciliation
• Whether monthly financial reports are included
• Any catch-up or cleanup work required

Typical ranges for bookkeeping services in small businesses fall between $250 and $1,200 per month, with higher or lower fees possible depending on actual workload and complexity. Orbit Accountants

When books are out of date or require significant reconciliation before meaningful reporting can begin, additional cleanup charges may apply; these will be scoped and agreed upon before work commences.

Payroll Support

Payroll pricing varies based on:

• Number of employees and contractors
• Frequency of payroll runs
• Whether processing is manual or app-assisted
• Whether filings and reporting are included

Small business payroll services can range from a modest base fee plus a per-employee charge for ongoing support, often resulting in $20 to $200 or more per month depending on service level and filing complexity.

Financial Reporting & Loan Support

Financial reporting fees are typically scoped as a project or package, influenced by:

• Whether monthly, quarterly, or annual reports are needed
• The level of detail required (summaries, trend analysis, liquidity analysis, supporting schedules)
• The condition of the books at engagement start

Because these packages are tailored to specific lender expectations or reporting needs, fees vary. Typical professional financial reporting work can range from a flat project fee to a structured monthly retainer, depending on how frequently you need updated reports and their intended use.

Tax Preparation

Tax preparation pricing is based on:

• Form complexity
• Number of income sources and deductions
• Need for organized documentation and support
• Whether reporting of specialized items (e.g., cryptocurrency) is required

Individual tax return preparation fees for straightforward circumstances generally fall in the $200 to $800+ range, with more complex returns (multiple schedules, self-employment income, investments) toward the higher end of that range. SK Financial

Future expansion into business entity returns (e.g., Form 1120) is planned once training and readiness are complete; those offerings will be scoped and priced separately based on complexity and filing requirements.

How Pricing Is Determined

Instead of a fixed price list, fees are custom-quoted based on your specific circumstances. Factors considered include:

• Volume of transactions
• Frequency of service (monthly vs. project)
• Number of employees/contractors
• Level of reporting and analysis required
• Whether cleanup or catch-up work is needed

This ensures fairness: you pay only for the services you actually need, not bundled features that don’t apply. It also aligns with the philosophy of tailored support instead of one-size-fits-all pricing.

Billing Models You Can Choose

Monthly Retainer

Best for ongoing bookkeeping, payroll, and periodic reporting.

Project/Flat Fee

Useful for financial reporting packages or one-off deliverables (e.g., financial reports for loans).

Hourly

Available for short-term engagements, cleanup work, or advisory support when a defined scope is not yet established.

You will receive a transparent quote and engagement agreement before any work begins, so you know exactly what services are covered.