🏢 Business Financial Services

Your Business Deserves a Real Financial Partner

CFO-level guidance, accounting, payroll, and strategic planning for small and mid-size businesses — without the cost of a full-time CFO.

Our Approach

The Financial Infrastructure Your Business Needs to Grow

Running a small or mid-size business means wearing a dozen hats at once. Financial management — bookkeeping, tax compliance, payroll, cash flow planning, and strategic advisory — is critical to business health, but it's also complex, time-consuming, and easy to do poorly. The consequences of getting it wrong range from costly IRS penalties to poor business decisions made on inaccurate data.

At N&M DeGiorgio Associates, we serve as the financial backbone for businesses across a wide range of industries. Our services are not limited to counting beans — we bring strategic thinking to the table. We help you understand your true profitability, identify tax-saving opportunities, plan for growth and cash flow needs, and eventually prepare for a business transition that maximizes your personal wealth.

Because your personal and business finances are deeply intertwined, we coordinate your business financial strategy with your personal tax plan, retirement accounts, estate plan, and insurance coverage — giving you a complete, integrated financial picture that most business owners never get.

Business team in strategic planning meeting

What We Offer

Who This Is For

Startups & New Business Owners

Starting a business on the right financial foundation — proper entity structure, accounting systems, and tax strategy — saves enormous pain and money down the road. We help you get it right from day one.

Established Small Businesses (1–50 employees)

You've proven your concept and you're growing. Now you need reliable financial reporting, efficient payroll, and strategic tax planning to support the next phase of growth.

Business Owners Planning an Exit

Whether you're selling to a third party, transferring to family, or transitioning to key employees, a well-structured exit plan can dramatically increase your after-tax proceeds.

Our Business Services Process

1

Business Assessment

We review your current financial systems, entity structure, tax position, and business goals to identify gaps and opportunities.

2

Systems & Strategy Setup

We establish or optimize your bookkeeping, payroll, and reporting systems — and build your business tax strategy.

3

Ongoing Management

Monthly financial reporting, quarterly tax reviews, payroll management, and regular advisory meetings keep everything on track.

4

Strategic Growth Advisory

As your business grows, we evolve our guidance — expansion strategy, financing decisions, and exit planning all become part of the conversation.

Frequently Asked Questions

The right entity structure depends on your income level, business goals, number of owners, and exit strategy. S-Corps can save significant self-employment taxes at the right income level. C-Corps offer certain advantages for investors and specific exit strategies. LLCs offer simplicity and flexibility. We analyze your specific situation and recommend the structure that minimizes your total tax burden.

Business owners have access to some of the most powerful retirement vehicles available — including Solo 401(k) plans and SEP-IRAs that allow contributions far exceeding standard employee limits. A Solo 401(k) can allow contributions of up to $69,000 or more per year (2024 limits), dramatically reducing taxable income while building personal wealth. We design and implement the right plan for your situation.

Our bookkeeping services include transaction recording, account reconciliation, accounts payable and receivable tracking, monthly financial statement preparation (income statement, balance sheet, cash flow statement), and quarterly financial reviews. We use cloud-based accounting software to give you real-time visibility into your business finances.

A business exit is typically the largest financial event in a business owner's life. We help you prepare — often years in advance — by cleaning up financial records, structuring the transaction to minimize taxes, evaluating deal structures (asset vs. stock sale), and coordinating the proceeds with your personal retirement and estate plan to maximize your after-tax wealth.

Related Services

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Tax Planning & Preparation

Business and personal taxes are inseparable for most owners. We manage both with a coordinated strategy.

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Estate Planning

Your business is part of your estate. Succession planning must be integrated with your personal estate plan.

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Insurance & Risk Management

Business owners have unique insurance needs — key-man coverage, buy-sell funding, and liability protection.

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Give Your Business the Financial Foundation It Deserves.

Schedule a free consultation and let's build the financial infrastructure that supports your business goals.

Schedule a Free ConsultationCall 501-335-2782