Simple Finances™

Business Valuation & Exit Planning · Financial Leadership Bookkeeping · Tax Resolution & Advisory 

Tax debt, an uncertain business value, messy and unreconciled books, and a business without financial direction all get harder to solve the longer you wait.

Simple Finances® helps small business owners, self-employed taxpayers, and individuals solve serious tax and financial problems. We resolve tax debt with the Internal Revenue Service. We establish what a business is worth before a sale or transition.  And we provide part-time financial leadership for owners who need senior financial oversight without a full-time hire.

You Owe the IRS.  Here is What Happens if You Wait.

When the Internal Revenue Service contacts you about money you owe, waiting makes things worse.

Interest and penalties increase every month, and the government has strong legal tools to collect what it says you owe.

Tax notices escalate. What starts as a letter can become a federal tax lien — a legal claim recorded against your property and credit.

Notices can also lead to a levy, which lets the government seize your wages or freeze your bank account. Both move faster than people expect.

Simple Finances® represents individuals and business owners throughout every stage of the collection process.

We pull your official government records, review every option open to your case, and deliver a written plan with clear next steps.

We work with clients facing these problems:

• Balance-due notices or formal demand letters from the Internal Revenue Service they do not know how to answer
• Payment plans that collapsed because the monthly amount became unworkable
• Federal tax liens recorded against their property, credit, or business assets
• Wage garnishment or bank account freezes — started or formally threatened by the government
• Unfiled returns from prior years that are creating a growing problem with the government
• Business payroll tax debt or personal liability for unpaid employee withholding

After the review, you decide whether to engage us for full representation. The review fee credits toward the cost of that engagement.

Find Out if Your Tax Problem Qualifies   Start the Two-Minute Screening

Business Valuation — Know What Your Business Is Worth

Business owners who do not know what their company is worth tend to find out at the worst possible time — during a sale, a partner negotiation, or an ownership transfer.

Business valuation gives you a documented, defensible number that reflects what a ready buyer would pay today.

That number drives your exit plan, your financing conversations, and every deal you negotiate going forward.

Valuation also reveals what is dragging your price down and what you can correct before going to market.

Owners who address those gaps before a sale consistently walk away with stronger offers.

We prepare valuations for owners who need to:

• Plan to scale or sell and want to know where they stand today and how to improve
• Bring in a partner or outside investor and need an independent number both sides trust
• Transfer ownership to a family member, a business partner, or a key employee
• Establish a defensible value for a buy-sell agreement or a business dispute
• Benchmark where the business stands now so they can measure growth toward an eventual exit

Schedule a Business Valuation Discovery Call

Part-Time Financial Leadership for Growing Businesses

Hiring a full-time financial executive costs more than $150,000 a year in salary alone.

Small business owners need that level of financial thinking, but few can justify that expense before the business has enough revenue to support it.

Part-time financial leadership gives you a senior advisor who works inside your business on a regular basis, helping you make well-grounded financial decisions without the cost of a full-time hire.

You get independent financial perspective and a direct read on where your money is going.

This is not bookkeeping or tax filing. We help business owners read their numbers, plan for growth, and make decisions grounded in what the business actually earns.

Owners bring us in to help with:

• Understanding their true financial position, not just the balance in their bank account
• Building a budget and cash flow plan that works month after month
• Preparing the business financially before approaching a lender, a partner, or an outside investor
• Installing the financial controls and reporting the business needs before growth creates a problem
• Getting clear answers about whether the business is profitable and where the money is going

Interested in learning if CFO services are right for your business?                                                                                                                                         Take the CFO Fit Assessment  Schedule a CFO Discovery Call

Bookkeeping Services

Your books are not paperwork. They are the foundation of your tax return, your loan application, and every business decision you make.

Clean books drive accurate tax filings, qualify you for financing, and give you real numbers to run your business by. Messy books do the opposite. They lead to missed deductions, IRS notices, and decisions made on guesswork instead of fact.

Why Bookkeeping Comes First

Tax compliance starts with accurate records. So does every fractional CFO decision we make with you. Bookkeeping is not a back-office chore. It is the data layer underneath tax preparation, tax advisory, business valuation, and financial leadership. Get it wrong, and everything built on top of it is wrong too.

Standalone or Paired With Fractional CFO

We offer bookkeeping* two ways:

• As a standalone service. Monthly bookkeeping, on its own, with three tiers built to fit where your business is today.
• As an add-on to Fractional CFO services. Bookkeeping feeds the numbers your fractional CFO engagement runs on, so the two work as one system when you want both.

*We do not offer bookkeeping services to our PTIN Referral clients and we guarantee this with a non-compete agreement.
Schedule a Bookkeeping Discovery Call

Who We Work With

Simple Finances® works with clients who are ready to face the problem directly and take action.

We are honest about what we can do — and equally direct when a case is outside our scope.

Our clients include:

• Individuals and Small to Mid-Sized business owners with IRS collections problems — liens, levies, or wage garnishment
• Self-employed taxpayers who haven’t filed and don’t know where to start
• Business owners who want to know what their business is worth — before a sale, transfer, or growth decision
• Nurse entrepreneurs and healthcare practitioners who need financial leadership without a full-time CFO on payroll
• Small business owners who want part-time financial direction to guide pricing, cash flow, and growth decisions

Which Service Do You Need?

Have an IRS tax problem? Find out if you qualify for representation.

Need a fractional CFO? See if we’re a fit for your business.

Curious what your business is worth?

Need to Set Up or Clean Up Your Books?

Know Where You Stand. Then Decide.