Frequently asked questions

No. We don't prepare or file income tax returns in-house. We keep your books clean so your CPA or tax preparer has organized records to work from, which can reduce year-end cleanup work and back-and-forth. We can work with your current CPA or refer you to an independent tax firm we trust. They're separate businesses. You hire them directly.

No. New clients run on Xero. If you're on QuickBooks today, onboarding includes a review of your current file: if the books are clean, we can bring the history over; if they need cleanup, we typically start fresh in Xero from your current balances and keep your QuickBooks file archived, so you and your CPA can still reference prior years.

No. You never have to touch the software unless you want to. We run Xero, and you get a monthly Profit & Loss report and answers to your questions. If you ever want to look around, we'll show you where things live.

That's common, and it's okay. Many businesses start with a spreadsheet or nothing organized yet. You don't need to pre-clean anything before reaching out.

Here's what starting from zero actually looks like:

We connect to your bank and card feeds on day one. From there, we pull and categorize your current-year transactions at no charge. We review the transactions first, then ask questions only where we need clarification.

Full-year 2025 catch-up is a flat $800 project if you need it. Catch-up work can run separately from your current month's books so you're not waiting on the prior year to start the monthly process.

Very common. Step one is getting you a separate business bank account (we'll help). We're OK with occasional personal transactions on your business accounts. But long-term, clean monthly bookkeeping depends on using dedicated business accounts and keeping business and personal activity separate. If you can't get there within 3 months, this service may not be the right fit, but we'll work with you to try.

You don't have to take our word for it. Here's what's visible to you at every step.

Every month: You get a Profit & Loss report by the 15th. Consistent delivery is one quality signal, and we'll tell you if something is blocking the monthly close.

Anytime: You have access to Xero, so your categorized transactions, reconciled accounts, and reports are available to review.

Month one: We record a personalized Loom walkthrough of your first set of books: what the numbers mean, anything we flagged, and how to read your Profit & Loss report going forward. You'll see the work, not just receive a number.

Built in: Your books are reviewed before delivery using the same monthly process each time. The goal is to catch unclear items, review the work, and deliver reports you can actually use.

At year-end: We keep your books clean so your CPA or tax preparer has organized records to work from, which can reduce year-end cleanup work and back-and-forth.

If something ever looks off to you, email us. We'll walk through it.

We typically respond to bookkeeping questions the same or next business day. If something is easier to talk through, we'll schedule a quick call.

We'll follow up, but we won't hold up your books. If we can't resolve a transaction, we'll close the month using our best judgment and mark the item for review. Your books will still be delivered on time, and we'll update those items when you respond.

We bill on the 1st of each month for that month's service via ACH or credit card on file. Your first charge doesn't happen until your 2nd full calendar month with us. Example: sign up April 15th → first charge June 1st. April and May are on us. Add-on services that require calculations (sales tax, 1099 reporting) are billed separately as soon as they're completed. Depending on your state's regulations, a credit card fee or ACH discount may apply.

Your base price includes up to 4 bank or credit card accounts total. Each additional account beyond that is $25/month. Each account we connect adds monthly reconciliation work. That's what the $25 covers.

Your accounts connect to Xero via direct bank feeds. Major banks (Chase, Bank of America, Wells Fargo, US Bank, PNC, and similar) work great.

Community banks and credit unions are fine as a secondary account; as your main operating account there's a $50/month surcharge per account, because third-party feeds create extra reconciliation work. Capital One currently doesn't support the direct access we need, so we prefer not to work with Capital One accounts. Talk to us first if it's your only option.

Your tier is based on your monthly revenue and reviewed quarterly using the trailing 3-month average from Xero. We notify you in advance. It's not a surprise. More revenue means more transactions, which means more work on our end.

We don't offer pauses. Bookkeeping needs to be continuous. A gap creates catch-up work that usually costs more than staying active through a slow month would have. That said, your pricing already adjusts down with your revenue, so a slow stretch shows up in your rate. If you cancel and come back later, you'd restart at current rates and setup fees. For most early clients, staying active through a slow period is the better math.