Each business visionary or confident business visionary will realize that individuals love to offer guidance regarding starting their own business. A few people have examples of overcoming adversity. They need to share or disappoint stories that they believe they must caution youthful business visionaries about before it is past the point of no return. It tends to be challenging to explore which counsel is beneficial and which appeal is more for the individual giving it than the individual getting it.
You will accept a lot of wrong turns as you go into business. However, it is in every case better to commit your errors than tune in to exhortation that influences you into accomplishing something incorrectly. The sooner you can distinguish a few bits of flawed guidance, the better. Consider this a rundown of some of the most noticeably terrible suggestions for business visionaries so you can comprehend what to avoid to ensure your business’s survival and success.
It seems like solid counsel, and it is partially, yet it can genuinely cut you down if you accept this guidance at face esteem. The explanation of this counsel can be terrible because it is a characteristic inclination to feel that you must bring lower costs to beat your opposition. Your opposition is presumably settled and has a great deal pulling out all the stops, so it bodes well to feel like the main thing you must bring to the table toward the beginning is lower costs.
It would help if you began by evaluating your items at a reasonable cost and spotlight on offering some incentives and excellent client assistance. If you set your prices too low, you could inevitably lose cash, and it is not easy to return from that by expanding your costs. You may even run into a circumstance where another organization goes along and offers something comparable at an even lower price. Hence, it is ideal to be practical and reasonable immediately and not stress over being less expensive than every other person.
Starting your own business is not easy; ask us, but still, some wake up and decide to start their first company every day. Sometimes it happens by accident. Other times, it is a lightning idea, and sometimes it happens almost unintentionally (as the song says). However, no matter how it happens, whoever starts a business will continuously be bombarded by all kinds of advice.
Mashable magazine recently published the five worst tips that I can give to an entrepreneur; here we leave them:
Hire People You Know
The saying goes, “Better the devil you know than the devil you don’t know,” in this case, it is precisely that advice many will give you at the beginning. When things do not work with someone you know, you find yourself asking your uncle, cousin, or brother-in-law to pick up his things and clean his desk.
The Market is Constantly Saturated; There is No Place in Your Niche
It is not always accurate since a business’s success lies in the market, its positioning, and the client to whom it speaks. If you do not believe us, ask yourself why our grandparents drink coffee at Sanborn’s and we do at Starbucks.
You Should Charge Less
Many companies do this when facing large companies. They believe reducing costs will compete with them and offer customers a better option; the problem arises when this cost reduction fails to generate profits.
Social Networks are Accessible
Getting an account on Facebook, Twitter, or Instagram is free, but nobody thinks about the work that involves keeping these accounts with constant, creative, and helpful activity. The cost may not be monetary, but you must invest time and resources if you plan to do it yourself.
You Must Spend Money to Make Money
There is a big difference between the word “expense” and the word “investment.” When starting a business, you should always take care of the first and make the most of the second, so if you must reduce costs in some areas to secure your investment, do it, and your business will thank you.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
The tax is undoubtedly one of its main attractions. When the holder of an Individual Systematic Savings Plan decides to rescue his money, he is exempt from taxation if he recovers it in the form of an annuity. More than ten years have passed since he was hired.
If you are independently employed, sparing into benefits can be a more troublesome propensity to create than it is for individuals at work. Nobody can pick an annuity plot for you, and no business commitments and unpredictable salary designs would all make sparing troublesome. Be that as it may, planning for retirement is also essential for you.
All businesses need to give a working environment annuity plan to their qualified representatives and pay into it, boosting their workers’ sum toward retirement. If you are independently employed, you will not have a business adding cash to your annuity like this.
However, there are still some tax cuts you should not pass up. For instance, you will get charge alleviation on your commitments, up to the lower your yearly profit or $40,000. If you are an essential rate citizen, for each $100 you pay into your annuity, the legislature will include an extra $25.
In general, the self-employed receive significantly lower pensions than those obtained by employed persons. The reason is that many self-employed workers decide to contribute to Social Security for the minimum base. Hence, their pensions are lower.
In the market, several financial products complement the retirement pension:
Pension plans: this is the savings and investment vehicle aimed at complementing the most used retirement pension due to the critical tax advantages they offer. The tax savings obtained are up to 52% in the familiar territory (up to 49% in Navarra and 45% in the Basque Country). When choosing a pension plan, it is advisable to analyze several factors:
Profitability and risk: We recommend analyzing the categories with the best yields without being carried away by that alone. In pension plans, you must carefully assess the level of risk to be assumed. Generally, a saver who starts relatively young (at age 30) should go through all categories. The younger you are, the more risks you can take, and the more you can invest in equity pension plans.
Commissions: pension plans have high fees. The commission for deposit is 0.5% on equity, while the management fee can be 2%. If the plan’s annual return is 3 or 4%, paying such a high commission would not be attractive.
Pension plans also have several disadvantages that it is also advisable to know:
The investor cannot recover the money until retirement (with exceptions).
The performance of pension plans is lower than that offered by other products also intended for savings.
Pension plans are deducted first, but it is paid upon recovery.
Individual Systematic Savings Plans (PIAS) is an exclusive insurance financial product. Its operation is like that of the old retirement insurance. The holder can make unique or periodic contributions that will be reimbursed according to the interest rate anticipated by the insurance company. The public debt offers the profitability of these products since it is in this type of asset that insurers mainly invest in.
The tax is undoubtedly one of its main attractions. When the holder of an Individual Systematic Savings Plan decides to rescue his money, he is exempt from taxation if he recovers it in the form of an annuity. More than ten years have passed since he was hired.
Reverse mortgage: financial product aimed at people over 65 years. The entity pays a monthly rent through the reverse mortgage to have this person’s property in the property as collateral. It is a mortgage pension. The person must have a property home for the operation to be viable. Also, to obtain the benefits granted by law, the dwelling must be its habitual residence (if the place is the habitual domicile, the beneficiary’s monthly income does not pay taxes). The reverse mortgage has, however, several disadvantages that you should analyze:
Housing appraisal cost.
Expenses of formalization of the mortgage.
The reverse mortgage fee has not been updated with the CPI.
The reverse mortgage is an operation that you can undo at any time by returning to the entity the money borrowed until the day of cancellation.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
However, leadership, in some cases, gets notoriety for simply being one more trendy expression. Indeed, to portray anybody with more than a couple of thousand devotees on Twitter can appear to be an unfilled promoting jargon word.
Divergent Techniques to Merge as a Thought Leader
To create the most online customers, one must be the best. A leader should be an expert in his profession. In other words, he must find ways to make strong relationships with his customers. Here are some tips to show one’s personality through expertise in his specific industry.
Advertise through Quality Content
These contents may consist of e-mails, guides, blogs, clips, or audio recordings. The quality of content shows the quality standards of the brand itself. Sixty percent of the marketing authority creates new content weekly to advertise their products and values.
Provide Customers’ Requirements Instead of His Own
The person who will advertise a particular industry should give all the information that a customer asks instead of asking them irrelevant questions or providing irrelevant information.
Share a Little Detail About You
Human nature is curious. Everyone wants to know about each other, so the guilder should share a little about his personal life. It does not mean he must expose his privacy, but he should share a little like, what he likes, his favorite sport, family members, or any other interesting point to connect with customers. It will leave a memorable impression on the customers.
Google Account May Help the Leader to Improve His Authorship
The leader should create a link in his Google account; it will help him increase adherence. For this purpose, log in to your Google account and add every site he has provided under the profile. It will grant him a link that will help to gain advantages in his job.
Add Writing Skills
Writing skills is indeed an exceptional profession. An expert should consider writing a book to present his authorship to a larger audience. It will also launch an outstanding notion in the minds of readers. If the expert does not have the time to write books, he should hire a writer and add his voice and clips to his online book.
An Expert Should Never Be a Controversial Personality
It is not easy to find out how one’s opinion matches with everyone. Everyone faces a debate competition in various life steps, and it becomes more challenging when a leader must meet the customers. He should challenge them with his voice, words, and quality argument but not force them to become a compulsion for them to agree with him.
Go with the Right Side of the Audience
If the customers are not nervous talking to you, then allow them to speak independently. Then, the thought leader should choose the right side of the audience and continue to the right side of his core memo. He must use a soft accent; with morale, words cover his communication actions.
Use all the Traits Constantly
A leader must remember that he cannot go through if he uses all the above traits for a specific period; he constantly uses them. He should not let these traits go when he has achieved his goals. If he does not have time, he must hand over his few tasks to someone else to focus on his leadership because leadership is crucial for success in any industry.
The Main Point that a Thought Leader Should Avoid
Here is an excellent tip to increase your credibility. If customers ask about the product, do not send them the link immediately; one should have enough knowledge to guide them because it is silly to think that the customers will open the link and buy a product. The knowledge the customer will get from the leader will have more value than the links. The leader should answer the questions, make conversations, and share the content.
Knowing different ways to market your product as a brand leader is essential. Creating innovative content is one of them! If you want your business to stand out from the rest, you must stand up as a leader! The next step is to maximize your business knowledge. Remember, you are the master of your field, and nobody can take that away from you!
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
A company owner can’t grow a successful business singlehandedly. A few have tried, but none succeeded. Every business owner and entrepreneur built a successful business empire with competent and loyal employees. Smart business owners make it a priority to hire the best possible candidates to strengthen their workforce. Be it long-distance recruitment or local hiring. Many organizations go to immense lengths to get their teams suitable candidates.
Accomplishing the entrepreneurial dream is all about establishing a team of competent and loyal employees. Considering the cut-throat competition of today’s market and economy, hiring the best talent is more crucial than ever before. Here are some tried and tested ways to attract and employ only the best and most competent workers:
Decide to Use Only the Best
Hiring an underqualified individual who is a poor fit for the job is what most companies do to get the vacant position as quickly as possible. Committing to hiring only the best helps you focus on the hiring procedure and improve the recruiting practices. More importantly, the top talent wants to work only amongst the best to refine their skill further. They are hiring the top crop professionals to improve your chances of attracting the best talent in the market.
Communicate Your Culture
The top talent never runs out of recruitment options and choices to convince them of your company; communicate its culture and values to them. Share why the people love working at your company. Entice them with development and growth opportunities to give them an idea about professional and personal growth. Skilled people love new challenges and diversity of work; tell them about the rewarding environment and workplace diversity.
Work on the Recruitment Practices
Improving recruitment practices is essential for employing competent people. Finding talented and creative people starts with being innovative in your hiring procedure. Reduce the required information on the hiring form to save the hirer and applicant time. Boost the employee referral program resources to find top-performing candidates instead of putting effort into job ads. Focus on passive candidates, the ones not looking for a job in your niche industry and the active applicants.
Focus on Candidate Experience
The initial candidate experience tells much about the company’s culture and work environment. Make sure the first impression of your company is positive and engaging. Simplify resume submission and scrutiny procedures to ease up the hassles of a job application. Take timely follow-ups with the candidate at every hiring stage. A friendly and flexible hiring staff is crucial to catering to candidates’ needs. Make sure to streamline the recruitment procedure.
Build a Reputation of Employer of Choice
Market perception is what sets the first impression in the candidate’s mind. Develop a great work culture and promote a rewarding environment on social sites to gain an online presence. Make sure to position your brand positively in the community and niche marketplace. Top talent sought to work with highly professional employers and recognized names in the industry.
Think Outside the Box
Although it depends on experience and skillsets to train your employees, ensure you hire from an underemployed labor market. The federal WOTC program offers tax credits for employers who hire candidates from targeted groups such as food stamp recipients, former felons, people referred by vocational rehabilitation programs, and people from underprivileged or rural areas.
Promoting Businesses
If you want to improve your chances of attaining good employees, you must show them the value of your organization. Like the concept of brand recognition, explaining your brand to potential candidates can be a great way to attract their attention. Remember, they want to excel in the work they do. So, you should let them know about those possibilities and add loyalty to the frame.
Organizations go through challenges to hire and attract highly competent and talented individuals. Our professionals make it easier and simpler for you to find the right and the perfect fit for your job openings. Employers can target people worldwide and place them with an offer they can’t refuse. If you’re an employer who hesitates to opt for long-distance recruitment, think again!
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
Are you someone who has established a new business? To grow your business, you must be involved in its financial management. If you are not a finance expert or not adept with accounting, then bookkeeping may not be your favorite task, but it will help the growth and survival of your business. The International Journal of Science & Research reports that 75% of the participants believed that bookkeeping enabled them to ascertain the financial position of Small and Medium Enterprises (SMEs), and there is a direct relationship between bookkeeping, growth, and the profitability of SMEs.
Here are the nine tips to help make small business bookkeeping easier:
Separate business account
You may consider it easier to use your personal bank account for your business; your personal and business finances will eventually suffer, which can be detrimental. To run your business smoothly, opening a business account and getting a separate credit card is crucial to help your company build its credit rating.
If you need to use your business money for personal expenses, then transfer that amount into your personal bank account and use it. If someone is bookkeeping for you, it will be difficult for him to categorize your personal and business transactions. Sorting through personal and business transactions can be time-consuming, complex, expensive, and lead to mistakes.
Bookkeeping software
Many choices are available for small business accounting software, but setting up software can be complicated. You should consider using the help of a professional because approximately 82% of experts surveyed believe that a professional should complete the initial setup of a computerized small business accounting system.
Payment records
It is essential to keep payment records because they help you remember who has paid in cash. You may forget that a client has paid you, and when you call him for the payment, you may be embarrassed when he tells you he has already paid the amount. Maintaining a record also helps find the clients whose payments are due, and you will know how much profit you have earned.
Save receipts
Bookkeeping does not depend on receipts to identify transactions, but the Internal Revenue Service (IRS) will need them for all tax deductions. Saving all receipts may seem complicated, but you can scan them and attach an electronic copy to the transaction within your bookkeeping software.
Create bookkeeping reports monthly
Keep your bookkeeping system up-to-date and create monthly records to ensure processes are operating correctly. This step is crucial because you can monitor your business’s expenses.
Set deadline reminders
It is easy to forget deadlines when you are a busy business owner. Neglected deadlines can result in fines or penalties, especially if you have missed the due date of a tax submission. To avoid this, set reminders so that it will not happen. Add due dates to your calendar to ensure you do not miss any upcoming due dates.
Plan for major expenses
Be realistic about the expenses that might come in the near future. Acknowledging seasonal difficulties and how they will impact your future expenses is essential.
Set aside tax money
You have started a business, so it is obvious that you will pay taxes, so systematically set aside money for it. Plan your upcoming expenses according to the amount you have set aside for taxes.
Outsource bookkeeping
If you are handling other duties in the office and find bookkeeping difficult or do not have time for it, then outsource it. It would be cost-effective to hire a professional because records will be accurate, and tax preparation will not be your responsibility. According to a study by Wasp Barcode Technologies, 50% of small business holders outsource their payroll accounting.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
One of the most vital responsibilities of the accounting or bookkeeping department is the meticulous process of reconciling accounting statements. These statements—namely the balance sheet, income statement, and cash flow statement—serve as comprehensive snapshots of a company’s financial health. It is imperative that these three statements are not only reconciled but also harmonized to avert potential business losses that can arise from inconsistencies.
So, what does reconciling accounting statements entail?Reconciliation involves a detailed comparison between a company’s internal financial records and its corresponding bank statements. This essential process is crucial for pinpointing any potential financial leakages, whether they stem from scams, unauthorized transactions, or unaccounted financial activities that may have occurred over a specified financial period.
Businesses must perform this reconciliation regularly to safeguard their financial integrity. Many organizations opt for a monthly reconciliation schedule to maintain a clear and accurate picture of their financial standing. However, others may choose quarterly, bi-annual, or even annual reconciliation intervals. For small businesses, in particular, monthly reconciliation is instrumental, offering a clearer view of cash flow and overall financial well-being.
Methods to Reconcile Accounting Statements
When it comes to reconciling accounting statements, two primary methodologies can be employed:
Documentation review
This method involves a thorough comparison of transaction receipts against bank account statements. Each transaction is scrutinized, enabling the identification of any transactions that lack proper receipts. Any discrepancies can highlight potential cash leakages and unauthorized transactions. This underscores the importance of consistently recording petty cash transactions, as even minor amounts can accumulate and impact the business significantly.
Analytics review
This approach leans more heavily on data analysis to uncover potential scams and errors within the business’s financial statements. Here, accountants project the ideal amount of cash that should be reflected in the bank account based on the company’s historical revenue generation. This method not only aids in spotting irregularities but also helps identify trends and weaknesses in business operations, fostering a more proactive approach to financial management.
Why is Regular Reconciliation Important?
Business experts emphasize the necessity of regular reconciliation of accounting statements for a multitude of compelling reasons:
Error-free data entry
Engaging in regular reconciliation significantly reduces the risk of errors in data entry. This process allows the accounting team sufficient time to accurately record all transactions and maintain meticulous records of invoices and receipts. By preventing last-minute scrambles, the business can avoid accounting mistakes that could lead to severe financial repercussions. Additionally, timely reconciliation ensures that your company’s financial statements and audit documentation are always ready for presentation to investors when needed.
Identify fraudulent practices
A regular reconciliation routine serves as a vital line of defense against fraudulent practices within business operations. It aids in uncovering issues such as the issuance of duplicate checks, unauthorized invoices, or inappropriate transfers to accounts not sanctioned by the business’s transaction records. By consistently monitoring these elements, businesses can protect themselves against internal theft and misconduct.
Identify potential errors
Another significant advantage of reconciling accounting and banking statements is the ability to detect potential errors. Any discrepancies—such as transactions that have been recorded multiple times or not recorded at all—become apparent during the reconciliation process. This awareness keeps the accounting department vigilant and encourages timely transaction recording to maintain accuracy.
Error-free tax filing
Many business owners find themselves in precarious situations during tax season due to delays in reconciling their statements. Unreconciled accounting statements can lead to major complications when filing taxes. However, when a certified accounting professional is involved, they ensure that reconciliation is completed promptly, allowing for a smoother tax preparation process.
Avoid theft
Sadly, many businesses must contend with the unfortunate reality of employee theft. This can manifest in various forms, including overcharging vendors, pilfering petty cash, neglecting to record transactions, or misdirecting vendor payments to personal or unauthorized accounts. Regularly reconciling accounting statements dramatically reduces these risks, making it easier to detect irregular activities and track unusual business account transactions.
Conclusion
In summary, the regular reconciliation of accounting statements is not merely an administrative task but a cornerstone of financial health for any business. It helps mitigate the risks of errors and fraud, ensures that the company is prepared for tax obligations, and maintains integrity in its financial operations.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
Is Your Bank Business Friendly? Discover Essential Traits!
A business friendly bank combines low-friction everyday banking, responsive human support, flexible lending, modern technology, and a genuine interest in your company’s long-term success—not just your deposits. When you evaluate a bank, you’re looking for a strategic partner that understands small and midsize businesses, offers scalable tools, and makes it easier (not harder) to manage cash flow, access capital, and plan for growth.
As a founder who’s watched hundreds of clients struggle because their bank slowed them down instead of backing them up, I’ve learned the difference between a logo on your debit card and a real banking partner. In over 20 years as CEO of Complete Controller, I’ve had the privilege of working with businesses across all sectors and have pretty much seen it all as far as SME business strategy and bookkeeping and accounting services are concerned. I’ll walk you through the precise traits I look for when advising Complete Controller clients on choosing or changing their bank—so you can stop guessing and start evaluating your bank like a CFO. You’ll discover how to spot banks that truly support growth, identify red flags in your current relationship, and gain actionable steps for finding a financial partner aligned with your business goals.
What is a business friendly bank?
A business friendly bank offers seamless day-to-day banking, proactive advice, flexible financing, fair fees, and technology that grows with your business.
It should simplify money management with online tools, merchant services, and cash-flow friendly products tailored to businesses.
You need access to knowledgeable relationship bankers who understand your industry, your local market, and your long-term goals.
Financing options and decision timelines must fit real-world business needs, not just the bank’s internal processes.
Transparency on fees, policies, and risk appetite builds trust—and lets you plan, instead of being surprised by charges or last-minute “no” decisions.
Core Traits of a Truly Business Friendly Bank
A business friendly bank is defined by how well it supports your operations, not by its marketing tagline.
Key operational traits every business should demand
Robust everyday money management: Real-time balances, easy bill pay, automated transfers, mobile check deposit, and integrated merchant services for cards and digital wallets.
Cash flow–aware products: Overdraft protection, flexible lines of credit, short-term working capital options, and treasury services that help smooth inflows and outflows.
Multi-channel access: Strong online and mobile apps plus reachable humans via phone, email, and in-branch for complex issues.
Transparent fees and policies: Clear pricing on ACH, wires, cash deposits, overdrafts, and minimum balances—no “gotcha” fees buried in the fine print.
Relationship and advisory traits
Dedicated small-business bankers: Access to someone who knows your file, your goals, and your constraints—not a rotating call center queue.
Proactive guidance: Advice on optimizing accounts, preparing for loans, and navigating growth stages, not just reacting when you ask.
Community and ecosystem connections: Referrals to local CPAs, attorneys, and advisors who can support your growth.
Everyday Banking Features That Signal a Business Friendly Bank
Online and mobile banking built for businesses
Business-grade online and mobile tools including real-time balances, remote deposit, multi-user permissions, and customizable alerts are now table stakes for a business friendly bank. Direct connections to accounting platforms like QuickBooks or Xero reduce manual entry and reconciliation time, lowering bookkeeping costs and errors. Support for ACH, wires, card payments, and digital wallets with intuitive dashboards for managing outgoing and incoming payments streamlines operations.
Strategic branch and ATM access matters for cash-heavy businesses, while digital access may be more important for others—evaluate based on your model. Service hours that match business reality, including evening or weekend support and rapid digital support channels, prevent simple issues from derailing operations. The ability to add specialized accounts (payroll, tax, reserve) and cards as your team and transaction volume grow signals scalability.
Lending, Credit, and the Bank’s Appetite to Grow With You
How to read a bank’s lending posture
A range of credit products including term loans, revolving lines of credit, equipment financing, commercial real estate loans, and SBA options signals a bank that understands growth paths. SBA-partner banks often know how to structure loans for younger or thinner-file businesses. Local decision-making authority and streamlined underwriting processes point to a bank that can move at business speed.
The most business friendly banks consider your track record, local reputation, and vision alongside credit scores and debt-service-coverage ratios. A bank that knows your industry will structure covenants, collateral, and repayment terms that reflect real cash flow patterns. Proactive discussions ahead of renewals and rate changes prevent unpleasant surprises and support planning.
Human Relationship: Your Banker as a Strategic Partner
What a “good business banker” looks like
A strong business banker understands your business model and goals, asking what keeps you up at night, what excites you, and where you want to be in 3–5 years. They return calls and emails quickly, check in periodically, and flag opportunities or risks before you ask. Active involvement in local business networks and the ability to introduce you to other professionals and potential partners demonstrates their commitment to your success.
Large national banks often offer more sophisticated tech and wider ATM/branch networks, but relationships may feel less personal and decision-making more centralized. Community banks and credit unions tend to excel at personal service, local market knowledge, and flexibility—often more willing to consider character and local context. Fintech and digital-first platforms can provide powerful tools (virtual cards, real-time controls, built-in expense management) and high-yield accounts but may lack complex lending or local nuance.
Technology, Integrations, and Security: Modern Must-Haves
Tech stack alignment with your back office
Native integrations with bookkeeping tools through direct feeds and reconciliations reduce manual work, which matters especially when you outsource bookkeeping. Corporate or virtual cards with receipt capture, spending controls, and customizable approvals save time and reduce fraud. Tools or integrations for invoicing, vendor payments, and payroll align banking with your back-office workflows.
Fraud mitigation tools including positive pay, dual approvals, ACH filters, and transaction alerts protect against check fraud and unauthorized transfers. Encryption, multi-factor authentication, and clear incident-response protocols are critical for safeguarding business funds. A bank that keeps you informed about regulatory changes (e.g., beneficial ownership rules) is a partner in compliance, not a passive vendor.
How to Evaluate Whether Your Current Bank Is Truly Business Friendly
Practical assessment checklist you can use this week
Responsiveness test: How quickly does your banker or support team respond to an urgent question or account issue?
Fee visibility audit: Can you explain every major fee you paid last month and how to avoid it? If not, transparency may be lacking.
Growth scenario test: Ask how they would support you if you doubled revenue in 18 months—what credit, treasury, and cash management support would they propose?
Integration and automation review: Is your bookkeeping team spending hours manually categorizing and reconciling because of poor bank feeds or limited exports?
Stress moment review: Think about the last time you had a cash crunch, fraud scare, or urgent opportunity—did the bank behave like a partner or a gatekeeper?
Chronic delays, surprise fees, or rigid lending responses during critical moments are strong signals to move. Plan a 60–90 day transition by opening new accounts, migrating payroll and vendor payments, updating receivables instructions, and running both banks in parallel until you’ve cleared old checks and autopays. Loop in your bookkeeper and CPA to coordinate cutover dates, reporting changes, and integrations so your financial reporting stays clean throughout the transition.
Your Action Plan to Find (or Build) a Business Friendly Bank Relationship
Step-by-step process to select the right bank
Clarify your needs by stage and model: Cash flow volatility, transaction volume, industry risk, international exposure, and tech stack.
Shortlist 3–5 institutions: Include at least one large bank, one community bank or credit union, and one modern fintech platform for comparison.
Interview the banker, not just the website: Ask about decision timelines, flexibility on underwriting, and how they support clients during downturns or rapid growth.
Ask for relevant client examples: How have they helped businesses similar to yours navigate expansions, downturns, or acquisitions?
Run numbers and scenarios: Compare total fees, credit terms, and tech fit—then weigh them against relationship quality and responsiveness.
Drawing on Complete Controller’s experience supporting hundreds of small and midsize businesses, I recommend starting with systems. Choose a bank that minimizes friction with your bookkeeping and reporting, because clean books are your leverage in every conversation—from lenders to investors. Prioritize access to decision-makers, because in a crunch, you want a banker who can pick up the phone to credit, not a ticketing portal. Think 3–5 years out and optimize for the level of credit, treasury tools, and advisory support you’ll need as you grow, not just today’s fees.
Conclusion
A business friendly bank is one that understands your business model, supports your cash flow, provides flexible credit, integrates cleanly with your financial systems, and shows up as a real partner when things get messy—not just when times are good. When you evaluate your current bank against these traits, you may find you’re overdue for an upgrade.
As a founder who has watched the right banking relationship transform clients’ trajectories, I encourage you to evaluate your bank this quarter using the checklists in this article—and, if it’s falling short, start interviewing alternatives. For expert help aligning your banking and bookkeeping so your numbers work for you, not against you, reach out to the team at Complete Controller.
Frequently Asked Questions About Business Friendly Bank
What makes a bank small-business friendly?
A small-business-friendly bank offers accounts, credit products, and services tailored to business needs—like flexible financing, business-specific online banking tools, and dedicated relationship managers—rather than repurposed consumer products.
Why do I need a separate business bank account?
A separate business bank account helps you track cash flow and expenses accurately, simplifies taxes, supports legal separation between personal and business finances, and presents a more professional image to vendors and partners.
How do I choose the best bank for my small business?
Identify your needs (cash handling, lending, tech integrations), compare fees and features across several banks, evaluate their reputation and financial health, and speak directly with business bankers to assess responsiveness and fit.
Are online or fintech business banks as safe as traditional banks?
Many online or fintech providers partner with regulated banks and offer FDIC-insured accounts, strong security, and advanced digital tools, but they may have different lending capabilities or service models—so you must review their structure, protections, and product set carefully.
Should I choose a big national bank or a local community bank for my business?
National banks often provide broader product suites and technology, while community banks can offer more personalized service, local market insight, and more flexible lending based on relationship and character; the right choice depends on which mix you value most.
Marine Bank & Trust. “9 Things to Consider When Choosing a Bank for Your Business.” Marine Bank Blog.[8]
Premier Community Bank. “7 Habits of Good Business Lenders.” Premier Community Bank Blog.[10]
Washington Trust. “7 Habits of Good Business Bankers.” Washington Trust Blog.[6]
Wise. “Benefits of a Business Bank Account.” Wise Blog.[15]
Found. “Small Business Banking 101: What You Need to Know.” Found Resources.[11]
Academy Bank. “Business Checking Account Pros and Cons.” Academy Bank Blog.[13]
Merchants Bank. “Business Banking: Choosing the Right Accounts for Your Needs.” Merchants Bank Blog.[14]
FirstBank. “3 Tips to Help You Choose the Best Business Bank Account.” FirstBank Learning Center.[16]
Ocrolus. “6 Characteristics of Advanced Small Business Lenders.” Ocrolus Blog.[7]
Preferred CFO. “Basics of Business Banking – Tips & Strategies.” Preferred CFO Insights.[19]
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
Jennifer BrazerFounder/CEO
Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.
Brittany McMillen is a seasoned Marketing Manager with a sharp eye for strategy and storytelling. With a background in digital marketing, brand development, and customer engagement, she brings a results-driven mindset to every project. Brittany specializes in crafting compelling content and optimizing user experiences that convert. When she’s not reviewing content, she’s exploring the latest marketing trends or championing small business success.
When you consider starting up a new business venture, it is a natural desire to make it the most profitable. For this purpose, your mind is obliged to be flexible, and it must contain sensible ideas and organizational skills. Many entrepreneurs try to follow the path of successful business owners, only to find out that making money is much more challenging than they thought.
However, the secret to a profitable business primarily lies in sound bookkeeping and accounting procedures because it is the only area where you can set yourself apart from others. The accurate tools of the trade, in conjunction with advanced accounting approaches and techniques, can lead to a profitable business.
Often, business owners cannot comprehend that the secret to a successful business lies in a comprehensive system that revolves around wise planning and implementation. If you are considering starting a business, the following strategies will help you establish a successful business venture.
Hire an accountant
Hire a professional accountant in your firm because an experienced accountant can help you get accurate results while continuing to grow the business.
Be organized
To ensure business success, you are required to have exceptional organizational skills. It will help you complete all the tasks timely and stay on top of the things to be done. A feasible way to be organized is to make a to-do list regularly. When you have completed each task, mark it off your list. This way, you will not forget anything and complete all the chores essential to your business’s survival.
Maintain detailed records
According to the surveys, all successful businesses maintain detailed records of their operations. By doing so, a company can comprehend where it stands financially and what potential challenges it could face in the future. Knowing this will allow you time to craft strategies and overcome those challenges.
Analyze your competitors
Competitors breed the best results. To establish a successful business, you must never be scared to analyze and learn from your competitors. After all, they might strategize productively to increase their profitability in ways you can also implement to make more money.
Acknowledge the risks and rewards
The secret to a successful business lies in facing risks for its growth. Acknowledging risks and rewards involves being smart about the timing of your business. You will determine the impending challenges beforehand and be able to plan for prevention. Remember that a wise entrepreneur wears multiple hats simultaneously.
Being creative
A business owner should always look for creative ways to enhance the business to make it stand out from the competition. Identify your limited knowledge and stay prepared to learn new ideas and different approaches for the prosperity of your business.
Stay focused
Opening a new business venture requires a new level of patience. You will not get immediate results because it takes a lot of time for people to know about your existence. So, to accomplish specific goals and ambitions, you must stay focused for an extended period.
Do not over-complicate things
Often, things are not as hard as they seem to be. Instead of overthinking, you must focus more on your business and work to get things done correctly.
Be consistent
Consistency is a critical factor that leads to profitability in a business. You must prioritize mandatory chores regularly and create optimistic habits to help you produce money in the long run.
Prioritize clients
While pursuing goals and ambitions, business owners often forget the importance of customer service. If you provide better services to your customers, they will be persistent in contacting you again rather than going to your competitors.
Too many business owners think the secret to a successful business lies in working themselves to the bone. However, that is not the case at all. Identify the efforts that help create better results and scalability.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
Deciding to quit your job is not easy; there are reasons why you might be thinking about it. But have you thought about your finances? How would you manage them? We all know our expenses do not wait for any revenue. Instead, with time, these might even grow. Nothing comes free from health to our living, and when you do not have any job, you have more stake than you would ever think.
There can be distinct reasons for you to abandon your job. The basics are:
There is no possibility of growth
They have not granted increments for more than a year.
There are conflicts in the work environment
What to do Before Giving Up?
Quitting a job can come with loads of risks. It can open doors for opportunities, risks, and threats. The idea is simple: if you do not analyze your situation, avoid acting. Trouble will come your way.
Your actions should be well thought out. As with the benefits you receive from your job, you will not receive any more of them. So, consider a blueprint for all your contingency plans to avoid excessive amounts of inconveniences.
Have an Action Plan
Have a clear plan about what you will do after losing your job. If you do not get a new job, chances are you might have to remain unemployed for more than three months. Without a clear visualization, you can quickly become indebted due to a lack of payment of your financial responsibilities, or you could even lose your assets.
Additionally, you have a high chance of falling into depression without a job. As everything of yours will be at stake, without a plan, you can lose your sanity, too. Keep calm, and do not worry about every minor issue there is.
Have Another Job Offer
The main recommendation is to have another opportunity waiting so you do not stop receiving income. Before making that decision, do your best to apply for different vacancies. If you quit without a job, you can devote full time to attending interviews and leaving your resume elsewhere.
It cannot be easy to secure a new job while the current one is still; you must attend different interviews, and the workplace cannot. So, while you are still doing your job, productively utilize all your spare time. Consider every opportunity that can benefit you. If there appears to be a job in the waiting, respond as early as possible.
Cut Down on Your Monthly Expenses
Cut down your monthly expenses starting from the very beginning of your job. With your savings, you will have enough finances to help you live through these struggling times.
So, try to save 3-6 months of your monthly expenses. Always be ready for the worst-case scenarios. All this will help you make your payments and continue with a lifestyle like you had while you were still doing your job.
Involve Your Family
If you have a family, keep their ideas and suggestions close to your heart, especially if you are the only one caring for their livelihood. You may have to see different options before deciding, such as having your partner get a job or postponing it until you can save enough. Because, for all of us, the least desirable thing is for our families to suffer and their quality of life.
Considerations After Giving Up
Now that you have finished your job, stick to your decision. Whatever the reason, you have decided and know everything that led to it. One of the worst things you could do after quitting a job is to sit idle and not do anything. So, do everything in you to live a life, if not the same, closer to the one you were already living.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
The pros and cons of homeownership include building personal equity through mortgage payments, gaining residential stability, and accessing valuable tax deductions—while also facing substantial down payments, ongoing maintenance responsibilities, and reduced flexibility compared to renting. Homeowners typically accumulate significant wealth over time, but success depends on financial readiness, market timing, and personal circumstances that vary for each buyer.
Twenty years leading Complete Controller has given me a front-row seat to thousands of financial journeys—from young entrepreneurs signing their first mortgage to seasoned business owners leveraging real estate for retirement. I’ve watched clients build fortunes through smart property decisions and seen others struggle with unexpected costs that derailed their plans. The reality is that homeownership transforms your financial future in ways both powerful and challenging. This guide breaks down the actual costs, rewards, and strategic considerations you need to make the right choice for your situation in 2025’s evolving market.
What are the pros and cons of homeownership?
The pros and cons of homeownership center on equity building, stability, tax benefits, versus high costs, maintenance burdens, and mobility constraints
Equity accumulation happens with each mortgage payment, creating long-term wealth that renters miss
Tax advantages include deducting mortgage interest and property taxes from annual returns
Major drawbacks involve down payments, closing costs, repairs, property taxes, and market risks
Personal factors like career plans, family needs, and financial reserves determine whether buying beats renting
Building Wealth Through Homeownership: The Equity Advantage
Homeownership creates wealth through forced savings and market appreciation that renting simply cannot match.
Research shows this equity-building power is real: the typical homeowner has built nearly $390,000 more in total wealth than a renter over their lifetime. This staggering difference demonstrates why property ownership remains central to American wealth creation. Each monthly mortgage payment splits between interest and principal, with the principal portion directly increasing your ownership stake.
Property values historically appreciate 3-5% annually, though local markets vary significantly. A $300,000 home gaining 4% yearly adds $12,000 in value—profit that belongs entirely to the owner. Combined with mortgage principal reduction, homeowners often see net worth increases of $15,000-20,000 annually from their primary residence alone.
Tax benefits that lower your real housing costs
The tax code favors homeowners through multiple deductions:
Mortgage interest deduction saves thousands yearly on federal taxes
Property tax payments become deductible expenses
Capital gains exclusions protect profits when selling ($250,000 single/$500,000 married)
Home office deductions for business owners
Energy efficiency credits for qualifying improvements
Additional financial advantages
Fixed-rate mortgages lock in housing costs for 30 years, while rents typically increase
Potential rental income from spare rooms or accessory dwelling units
Forced appreciation through strategic renovations and improvements
Hedge against inflation as property values rise with currency devaluation
Estate planning benefits for passing wealth to heirs
The Hidden Costs and Challenges of Property Ownership
Homeownership demands significant financial resources beyond the monthly mortgage payment.
Maintenance requirements aren’t small change. Financial planners recommend budgeting $4,000 to $22,000 every year for upkeep, with that amount varying based on your home’s age and size. Major repairs—like a new roof ($5,700-$16,000) or HVAC system ($5,000-$16,000)—can wipe out savings in a single season.
One of the biggest surprises for homeowners? Insurance costs have skyrocketed. Over just three years, homeowners’ insurance premiums jumped 24% nationwide, with the average homeowner now paying about $3,303 per year—and rising in nearly every U.S. location. Property taxes add another layer of expense, varying dramatically by state and municipality.
Mobility and liquidity constraints
Homeownership ties you to a specific location in ways that impact career and lifestyle choices:
Selling typically takes 60-90 days minimum
Real estate commissions consume 5-6% of sale price
Market downturns can trap owners in negative equity
Job relocations become complex and expensive
Emergency cash needs can’t be quickly met through home equity
Risk factors are often overlooked
Foreclosure possibilities if income drops or expenses spike
Neighborhood changes affecting property values
Natural disasters and inadequate insurance coverage
HOA disputes and special assessments
Zoning changes impacting property use
Market Realities in 2025: Timing Your Purchase Decision
Current market conditions create unique challenges and opportunities for potential buyers.
Today’s first-time buyers face a harsh reality: the typical buyer is now 40 years old, meaning many are missing crucial decades of wealth-building. Waiting just 10 years longer to buy can cost roughly $150,000 in lifetime equity gains. Rising interest rates have pushed mortgage payments higher, while housing inventory remains tight in desirable areas.
Here’s a surprising fact for 2025: renting is actually cheaper than buying in every major U.S. city right now. On average, homeownership costs 38% more per month than renting. However, this doesn’t mean renting is better—it just means you need to think beyond monthly payments when evaluating long-term wealth creation.
Regional market variations
Coastal markets show signs of cooling after pandemic-era spikes
Midwest cities offer better affordability ratios
Sunbelt states continue attracting buyers despite insurance challenges
Remote work policies influence suburban and rural demand
First-time buyer programs vary significantly by state
Technology is transforming the buying process
Modern homebuying leverages digital tools that didn’t exist five years ago. Virtual tours eliminate wasted trips, AI-powered valuations provide instant market analysis, and automated underwriting speeds loan approvals. Smart contracts and blockchain technology promise to streamline closings further, though human expertise remains invaluable for negotiating and problem-solving.
Who Should Buy Versus Continue Renting?
Your personal situation determines whether homeownership makes sense right now.
Strong candidates for homeownership
Career stability and geographic commitment top the list of homebuying prerequisites. Planning to stay in one area for at least five years allows time to recoup closing costs and benefit from appreciation. Emergency savings covering 6-12 months of expenses protect against unexpected repairs or income disruption.
Additional positive indicators:
Debt-to-income ratio below 43%
Credit score above 640 (700+ for best rates)
Down payment saved without depleting reserves
Comfort with property maintenance responsibilities
Clear long-term financial goals
When renting remains the smarter choice
Career uncertainty or planned life changes make renting more logical. Entrepreneurs launching businesses often need capital liquidity that homeownership restricts. Geographic flexibility for opportunities or relationships takes priority over equity building for many younger professionals.
Red flags suggesting you should wait:
Unstable income or job situation
High-interest debt requiring attention
Insufficient emergency funds
Plans for major life changes within 3 years
Discomfort with maintenance responsibilities
Final Thoughts: Making Your Homeownership Decision
Property ownership has shaped my own financial journey profoundly—from the pride of first keys to midnight repairs and everything between. The wealth-building potential remains unmatched for those prepared to commit. Yet timing, preparation, and realistic expectations separate successful homeowners from those who struggle.
Your path forward requires honest assessment of finances, career trajectory, and personal preferences. Run the numbers carefully, considering all costs beyond the mortgage. Factor in your tolerance for responsibility and desire for control over your living space. Most importantly, align your housing decision with broader life goals rather than following conventional wisdom blindly.
Ready to analyze your homebuying readiness or optimize your current property’s financial performance? The experts at Complete Controller provide personalized guidance for complex financial decisions. Connect with our team to develop strategies that maximize your wealth-building potential through smart real estate choices.
Frequently Asked Questions About Pros and Cons of Homeownership
What are the main financial benefits of owning versus renting?
Homeowners build equity with each payment, lock in housing costs with fixed mortgages, and enjoy tax deductions for mortgage interest and property taxes. Over time, owners accumulate hundreds of thousands more in wealth compared to renters, though this requires staying power and market appreciation.
How much should I budget annually for home maintenance and repairs?
Budget 1-4% of your home’s value yearly for maintenance, translating to $4,000-$22,000 depending on age and condition. Major replacements like roofs or HVAC systems can cost $5,000-$16,000, so maintaining robust emergency savings protects against surprise expenses.
Is 2025 a good time to buy a home, given current interest rates?
Higher rates increase monthly payments but may reduce competition and motivate seller concessions. Your personal timeline matters more than market timing—staying power of 5+ years helps weather short-term fluctuations while building long-term wealth through ownership.
What hidden costs surprise first-time homebuyers most often?
Insurance premiums (averaging $3,303 yearly and rising), property taxes, HOA fees, and emergency repairs catch buyers off-guard. Closing costs add 2-5% to purchase price, while moving expenses and initial repairs often exceed budgets.
At what point does buying become a more financially advantageous option than renting?
The break-even point typically occurs around year 5-7 of ownership, varying by local market conditions and personal situations. Currently, renting costs 38% less monthly than owning nationwide, but ownership builds wealth over decades that renting cannot match.
Sources
AgentsGather.com. “Pros and Cons of Buying a Home in 2025.”
Alliance Title. “3 Reasons Why It May Be Better to Own a Home in 2025.”
Bankrate. “Advantages And Disadvantages Of Having A Mortgage.”
Bankrate. (February 2025). “Study: Renting is Increasingly More Affordable Than Buying.”
CBS News. “Should You Buy a Home in 2025? Here’s What Experts Think.”
Citizens Bank. “Rent vs. Buy: The Pros and Cons of Homeownership.”
Consumer Federation of America. (April 1, 2025). “New Report Finds American Homeowners Faced 24% Increase in Homeowners Insurance Premiums Over the Past Three Years.”
Maine Realtors. “Advantages & Disadvantages to Homeownership.”
National Association of Realtors. (November 4, 2025). “First-Time Home Buyer Share Falls to Historic Low of 21%, Median Age Rises to 40.”
PennyMac.com. “The Pros and Cons of Buying a House.”
RocketMortgage.com. “The Pros and Cons of Buying a House.”
Urban Institute. (2025). “The Wealth Gap between Homeowners and Renters Has Reached Historic High.”
Urban.org. “Rethinking Homeownership as ‘the American Dream.'”
Zillow. (2024). “Austin Home Value Index.”
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
Jennifer BrazerFounder/CEO
Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.
Brittany McMillen is a seasoned Marketing Manager with a sharp eye for strategy and storytelling. With a background in digital marketing, brand development, and customer engagement, she brings a results-driven mindset to every project. Brittany specializes in crafting compelling content and optimizing user experiences that convert. When she’s not reviewing content, she’s exploring the latest marketing trends or championing small business success.
About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.
