Master of Less

"Matt and staff always have time for my questions. They streamlined my business accounting in a couple of months. Their rates are very fair. They're hassle-free bookkeepers."

Jim Bonino

Less Waste. Less Confusion. Less Worry.

More Profits. More Plans. More Peace.

No hidden fees or lock in contracts ever
Fantastic personal service from smart seasoned experts
Exclusively dedicated to small businesses
Always a text, call or an email away
100% human and all work is done in America

Monthly Costs

A good rule of thumb for bookkeeping costs is 1.5% of revenue.

$50-200 Solo entrepreneur with simple transactions
$200-500 Small business $100k-500k annual revenue
$500-1500 Mid-small business with payroll $500k-2M annual revenue
$1500-4000 Established business with payroll $2M-10M annual revenue

Hi there! I'm Matt. I'm a Christian, husband and father of four. I'm a graduate of Calvin, Harvard, Cardiff and Johns Hopkins Universities. I have a PhD in Economics and an MBA in Finance. I began this service to work directly with the small and mid-sized business owners who grow our great country's economy.

Since 1999, I've worked with owners across industries from high tech IT and robotics to small farmers and artists. I've also helped and advised nonprofits from churches to civic organizations.

I also served as a Finance Staff Officer and eventually as the National Division Chief for Measurement Research within the US Coast Guard. The research and methods I created there continue to guide strategic decisions to this day.

I enjoy being active outdoors, especially in wild lands. Hiking, biking and fly fishing are some of my favorite pastimes.

I also love dogs! I'm an AKC obedience evaluator, and I train service and therapy dogs.

Old-Fashioned Service

I Tailor My Services To Align With Your Needs

Over the years, I have happily and confidentially advised a wide range of clients from a plumber near Pittsburgh to a robotics startup to a multi-state pediatrics practice. I am always your primary point of contact and hold myself accountable for your success.

The initial consultation is always free. My billing goal is to always provide clients with a high return on investment when working with me irrespective of their budget.

I am not a salesman. I will only take on a client when I can provide genuine value for them. Reach out if you need expert advice, assistance or have a question.

Case In Point

Small Church

How valuable can expert financial advice be for an organization?

A small church had just reached a legal settlement to leave their denomination with their church building by agreeing to pay them $100,000 every year for the next 10 years. If they ever missed a payment, the building would revert back to the big denomination.

The church had fundraised the entire $1 million prior to the settlement. Its board wanted to payoff their exit fee immediately to avoid the risk of future nonpayment. They were worried, frustrated and felt out of their depth.

So I advised them to purchase a 10-year annuity that pays $100,000 every year. The cost of that annuity was only $930,000, and the nonpayment risk was now covered.

By saving $70,000, my advice was theoretically worth that much to them. But a few years later that same small church had a significant cashflow problem and that $100,000 annual payment would not have been paid. Thanks to my annuity advice solving their risk problem, their building was saved. The real life value of expert finance advice can be the organization's continuing viability. My personal takeaways are that stochastic processes are real alongside a reaffirmation of my father's advice that a failure to prepare is a preparation for failure.

U.S. Coast Guard

How do you value a volunteer organization?

The US Coast Guard Auxiliary is an all volunteer uniformed part of the US Coast Guard formed by Congress during WWII. There are more than 30,000 Auxiliarists spread across all 50 states.

The only Coast Guard tasks that an Auxiliarist is prohibited by law from performing are law enforcement and combat ones. So these Coast Guard volunteers perform an incredibly wide array of jobs from flying their personal planes to vessel inspections to research and development.

For years Coast Guard leadership wanted a valuation of their Auxiliary's diverse contributions of manpower and equipment, but they hadn't been able to perform this valuation in a way that passed DHS or Congressional scrutiny. I took over this project and created a valuation methodology that passed all Washington DC scrutiny so well I literally received a big medal for it.

The Auxiliary valuations I performed made their way into the Commandant's speeches and the first significant budgetary increases for the Coast Guard from Congress in years. The methodology I created is classified and still in use by the Coast Guard to this day.

From my award pinning ceremony: "You applied remarkable expertise in quantitative research to formulate a new statistical methodology for analyzing Auxiliary activity data. Exercising exceptional insight, you ... helped keep the highest levels of Coast Guard leadership clearly appraised of the extraordinary value of the Auxiliary's uniformed volunteers."