Accurate, audit-ready books powered by QuickBooks Online — with custom financial reports delivered every month so you always know exactly where your business stands.
If any of these sound familiar, it’s time to get professional bookkeeping support.
Without accurate books, you're guessing — and guessing leads to bad pricing, overspending, and cash flow crises.
Catch-up bookkeeping can feel overwhelming. Our team reconstructs your records from any point and brings you fully current.
When your books are clean and reconciled year-round, tax prep takes days — not weeks. Your accountant will thank you.
Messy QuickBooks files, uncategorised transactions, and unreconciled accounts make your financial statements unreliable.
Those hours are worth far more than the cost of outsourcing. Focus on running your business — let us handle the numbers.
Banks and investors require clean, accurate financial statements. We deliver audit-ready reports whenever you need them.
Whether you’re starting fresh, behind on your books, or ready to upgrade your financial reporting, S&J Financial Services has a solution built for your stage of business.
Whether you’re starting fresh, behind on your books, or ready to upgrade your financial reporting, S&J Financial Services has a solution built for your stage of business.
Your most important bookkeeping relationship — a consistent, monthly engagement where we reconcile every account, categorise every transaction, and deliver clean, reliable financials by the 15th of each month.
Books behind 3 months? 12 months? 3 years? We reconstruct your financial records from any starting point, reconcile all accounts, and deliver a clean, accurate set of books — ready for tax prep or audit.
We set up, configure, and manage your QuickBooks Online file from end to end. Includes chart of accounts optimisation, class tracking, bank feed management, and an initial cleanup of any historical issues.
Beyond the standard P&L, we build reports tailored to your business: departmental P&Ls, job costing, budget vs. actual variance reports, cash flow forecasts, and KPI dashboards — whatever your decisions require.
Track who owes you money and what you owe — with aging reports that help you collect faster, pay on time, and maintain healthy vendor relationships. Never miss an invoice or let a payment go overdue again.
We handle the full year-end close process: reconciling all accounts, preparing final financial statements, and compiling a complete tax-ready package for your CPA. Audit-ready, every year, without the chaos.
From your first consultation to your first monthly report, we make it easy to get professional bookkeeping in place — without disrupting how you run your business.
We connect securely to your accounts, configure QuickBooks Online, and review your historical books to establish a clean starting point.
Every transaction recorded, every account reconciled. We work quietly in the background so your books are always current.
By the 15th of each month you receive your full financial package — P&L, Balance Sheet, Cash Flow, and any custom reports agreed.
Monthly or quarterly calls to walk through your numbers, flag anomalies, and identify opportunities to improve your financial position.
Most small business owners get handed a report and don’t know what to do with it. At S&J Financial Services, every report we deliver is explained clearly — and we’re available to walk you through what it means for your business.
Our standard monthly reporting package covers the core financial statements every business needs, plus the flexibility to add custom reporting based on your industry, size, and goals.
Revenue, cost of goods, gross profit, operating expenses, and net income — month vs. prior period and year-to-date.
A snapshot of your assets, liabilities, and owner’s equity — the financial health check your business needs every month.
Where your money came from and where it went — separated into operating, investing, and financing activities.
Who owes you money and how long it’s been outstanding — and the same for what you owe your vendors.
There are thousands of bookkeepers. Here’s what makes S&J Financial Services different for small businesses that want more than data entry.
We serve small businesses across all 50 states. Our remote-first model means you get the same expert bookkeeping team whether you’re in New York, Los Angeles, or Sheridan, Wyoming. No geographic limitations, ever.
We work exclusively in QuickBooks Online — the platform most small businesses already use or need to be on. We don’t just enter data; we configure, clean, and optimise your QBO file so your reports are actually meaningful.
Not a rotating team, not a ticket queue. You work with one dedicated bookkeeper who knows your business, your accounts, and your reporting preferences — someone who notices when something looks off.
S&J Financial Services offers bookkeeping, payroll services, business consulting, due diligence, business valuation, and C-level recruiting under one roof. As you grow, our services grow with you — no need to start over with a new provider.
We quote a fixed monthly fee based on your transaction volume and reporting needs. No hourly billing, no surprise invoices, no “out of scope” charges for a quick question. What we quote is what you pay.
Every month-end close is performed to audit standards — even if you never get audited. That means when a bank, investor, buyer, or the IRS asks for your financials, you can produce clean, accurate statements within hours.
We provide monthly bookkeeping services that keep your finances clear, current, and ready for tax season or investor reviews. Whether you’re a startup or an established business, we handle day-to-day financial tracking, bank reconciliations, expense categorization, and financial reporting- so you always know where your business stands.
Common questions from small business owners considering outsourced bookkeeping. Don’t see your question here? Get in touch — we’re happy to help.
Speak directly with our bookkeeping team. Free, no-obligation consultation for all new enquiries.
Bookkeeping costs for small businesses typically range from $300 to $2,000 per month depending on transaction volume, number of accounts, payroll complexity, and the level of reporting required. At S&J Financial Services, we offer fixed monthly pricing tailored to your specific business size and needs — contact us for a free, no-obligation quote based on your actual situation.
If your business has more than 20–30 transactions per month, has employees, is growing, or needs accurate records for tax filing, you need a bookkeeper. Poor bookkeeping leads to cash flow surprises, missed tax deductions, IRS penalties, and an inability to make data-driven decisions. Outsourcing to S&J ensures your books are accurate, current, and tax-ready every month — so you can focus on running your business instead of your spreadsheets.
Yes. S&J Financial Services is a fully virtual bookkeeping firm serving small businesses across all 50 states. All bookkeeping is done remotely using QuickBooks Online, and we communicate via scheduled calls, email, and your shared financial dashboard. Your location is never a barrier — we work with businesses from California to Florida to Wyoming and everywhere in between.
Catch-up bookkeeping is the process of bringing months or years of unrecorded or disorganised financial records fully up to date. If your books have fallen behind — whether due to rapid business growth, a staffing gap, or simply not having the time — S&J Financial Services can reconstruct your records, reconcile all accounts, and deliver clean, accurate books from a defined start date. We handle the backlog so you can start fresh.
Every client receives a standard monthly package including: Profit & Loss Statement, Balance Sheet, Cash Flow Statement, and AR/AP Aging Reports. We also offer custom add-on reports including KPI dashboards, budget-vs-actual variance analysis, 13-week cash flow forecasts, job costing reports, and departmental P&Ls. Your reporting package is tailored to your industry, business model, and decision-making needs.
We work exclusively within QuickBooks Online, giving you real-time access to your financial data at all times. We handle all data entry, bank reconciliations, chart of accounts setup and ongoing maintenance, and the month-end close process. If you’re new to QuickBooks, we’ll set up and configure your account from scratch. If your current QuickBooks file is messy or months behind, we offer a QuickBooks cleanup service before starting your ongoing engagement.
Let’s Get Your Books Clean, Current, and Working for You
Schedule a free consultation with the S&J Financial Services bookkeeping team. We’ll assess your current situation, explain what we’d do differently, and give you a clear, fixed monthly price — with no obligation to proceed.
Most of our bookkeeping clients also use at least one additional S&J service as their business grows.
Full-service outsourced payroll — employees paid accurately and on time, every time, fully compliant with federal and state regulations.
Strategic financial consulting, fractional CFO services, and business entity formation — expert guidance for growing and transitioning businesses.
Professional business valuation and exit strategy support for owners preparing to sell, raise capital, or plan for succession.
