Author: Jennifer Brazer

The life of a food truck owner is not easy. In spite of everything, they have to overcome obstacles. Those who are new and have entered this industry, or those who wish to become a food truck owner in the future, need to look out for these obstacles. Here are seven challenges food truck owners must overcome to be successful.

1. Overcoming the Cynics

Though it may sound like a bit of an exaggeration to you, the second you decide to become a food truck owner, the naysayers and cynics will start to come forth and grow. They can be your family members, friends, reviewers, customers, the list goes on.

The thing you must remember is to not let them win. Don’t be discouraged by their comments and sayings. 

2. Unsatisfied Customers

Just like those cynics, you cannot do anything to avoid unhappy or unsatisfied customers. All you can do is to make sure and try your best that the problem does not arise again. The problem is that if this issue arises again and again, you will get a bad reputation from the bad reviews you get from your consumers. This way, you might lose your current as well as potential customers.

3. Weather or Climate

In this area, there’s not much you can do. If the weather happens to be unpleasant or cold, you would be forced to close your food truck for that day. On the other hand, you could try to turn the weather into your advantage. If you do choose to stay open when the weather is cold, you could serve hot drinks to your customers to make them feel warm and cozy.

4. Maintenance Required For The Food Truck

You will be required to put in the money for maintenance for your food truck. If you don’t, then it won’t be surprising if something takes place to your food truck. Anything can possibly occur.  You could have a flat tire, maybe something major such as a problem with the engine.

That’s why maintenance is important. It can help you save a bundle in your business instead of you have to invest a bundle in it.

5. Sales

Probably the biggest issue you will face as a food truck owner is your sales. When we say sales, we mean making money from your consumers purchasing your food.

It all comes down to your sales. You need to carry on in making your food attract new customers. New customers will mean more revenue. Similarly, you have to be persistent and implement new strategies in your business. That is how you will differentiate yourself from your competitors and bring your competitive advantage side in your business.

6. The Long Hours

Putting in long hours can become quite a challenge for food truck owners. Not everyone is accustomed to putting hours into his or her businesses.

If one wishes to become a successful and prosperous food truck owner, it is most likely that they will need to put in long hours in the business. Saying that, it doesn’t mean if one is not able to put in the hours, they will not succeed.

Get into the habit of bookkeeping. It will help you save your valuable time, as well as help you to spend less time in you managing the accounting side of your business.

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.

By: Jennifer Brazer

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.

Fact Checked By: Brittany McMillen

5 Essential Steps to Launch a Profitable Pastry Shop in 2025

I’ve worked with enough bakery owners to know that launching a pastry shop isn’t just about having the perfect croissant recipe (though it helps). It’s about understanding your customer, your market, and your mission—from the very first whiff of butter in the oven to the final ribbon on the box. And today, I’m walking you through the five steps I’ve seen turn passion into profit. Let’s build the kind of dessert shop people line up for.

Key Takeaways

• Define a clear niche and unique angle to set your pastry shop apart in a saturated market
• Handle all permits, licenses, and health laws early to avoid costly delays or closures
• Use a detailed business plan to project finances, clarify your vision, and guide decisions
• Craft an unforgettable in-store experience using visuals, scents, and layout
• Invest in social media and digital marketing to grow your local and online presence

Building Your Dream Pastry Shop: Setting the Foundations

Choose a pastry niche that actually sells

Before you even preheat an oven, you need to decide—what makes your pastry shop remarkable?

Are you crafting French-inspired gourmet desserts? Selling vegan baked goods? Or maybe your secret weapon is your grandmother’s cinnamon sugar tart?

I’ve worked with shops that exploded simply because they owned one thing: wedding pastries with edible flowers, gluten-free cannoli, or seasonal pies inspired by local farms.

The financial investment varies dramatically based on your concept. Recent industry data from Upmetrics shows that startup costs range from $4,800-$8,800 for a home bakery to $26,600-$36,700 for a small retail shop. This is drastically lower than historical costs, which used to reach $125,000-$393,000 for medium-sized operations just a decade ago.

One home-based bakery I advised started with just $6,000 and focused exclusively on gluten-free specialties. Within 18 months, they expanded operations by recognizing and serving an underserved dietary niche in their community.

Here’s what I recommend:

• Research local demand using tools like Google Trends and Yelp. Google Trends insights on unique pastry flavors can show you exactly which flavors and concepts are gaining traction in your area.
• Walk your neighborhood and scope out nearby bakeries—what are they missing?
• Define your unique selling proposition (USP)—the one-sentence wow factor

Pro Tip: Add a test kitchen element (think: “Flavor of the Week”) to experiment before locking in your full menu.

Get the paperwork out of the way

No one likes paperwork, but trust me—it’s cheaper than a lawsuit or a last-minute shutdown from the city inspector.

At a minimum, you’ll need:

• Business license
• Food handler’s permit
• Health department approval
• Local and state tax registrations
• Insurance (liability, property, and business interruption)

If you’re planning to use a unique name (which I highly recommend), trademark it early. This protects your brand across your packaging, menu, and online marketing.

Every city is different, so check with your local Small Business Administration (SBA) or city hall for the exact requirements. The Small Business Administration checklist for a local pastry shop provides a comprehensive overview of federal, state, and local permits you might need.

I once worked with a small bakery that lost three weeks of prime holiday season sales because they hadn’t secured proper ventilation permits. Don’t let this happen to you.

Your business plan is your recipe for growth

You wouldn’t try baking without knowing the ingredients—and that’s exactly what your business plan is.

It outlines what you’re baking, how you’re selling it, and how money will flow in and out.

The financial section deserves special attention. According to industry research, profit margins typically range between 4-9% for small bakeries while more profitable operations can achieve up to 15%. Your projections should aim for this range to remain realistic. Learning to manage your pastry bakery finances from day one will make or break your success.

I’ve reviewed dozens of pastry shop business plans, and the most successful ones always include these elements:

• Market Research: Who’s your ideal customer?
• Pricing Strategy: How will you stay profitable?
• Operations Plan: Daily routines, sourcing ingredients, and labor
• Marketing Plan: Online, in-store, and partnership strategies
• Financial Forecasts: Costs, break-even timelines, profits

Bonus: A solid plan also helps secure loans, grants, or even crowdfunding like Kickstarter.

Make your store a sensory experience

People don’t just buy with their wallets—they buy with their eyes and noses.

That’s why your store should feel like a pastry haven from the moment customers walk by.

What works?

• An open kitchen layout, where scents and visuals act as free advertising
• Eye-catching window displays that rotate weekly
• Warm, inviting lighting and cozy seating (if space allows)
• Branded packaging that turns every product into a social media moment

Cleanliness isn’t just about passing health inspections—it’s about customer perception. Research from Toast POS confirms that customers judge hygiene standards through displays, counters, and restrooms. One poor impression can drive away customers permanently. Make sure your team follows CDC food safety standards for dessert shop owners to maintain the highest level of cleanliness and food safety.

I consulted for a pastry shop in Seattle that increased sales by 32% simply by rearranging their display case to showcase their colorful macarons at eye level and moving their baking area into customer view.

Use digital marketing to fill your display case

One of my clients grew from local favorites to regional shipping just by mastering Instagram. Studies show that over 70% of consumers prefer brands with an active social media presence, making digital marketing essential for modern bakeries.

You need to:

• Take drool-worthy photos of your pastries (natural lighting is your best friend)
• Post reels or stories showing behind-the-scenes baking or daily specials
• Use hashtags like #GourmetDesserts or #BestPastryShop[YourCity]
• Collect customer reviews and repost UGC (User-Generated Content)
• List on Google My Business for local traffic and keywords like “pastry shop near me“

Learning effective social media for gourmet desserts is no longer optional—it’s essential for growth.

Also consider offering online orders or delivery options through your website or platforms like ToastTab or Uber Eats. People crave convenience wrapped in sweetness.

Conclusion: Success Starts Before the Dough Rises

Opening a pastry shop is as much about business as it is about butter. You’ve got to plan, permit, and promote with heart and strategy. Whether you’re baking for the early morning crowd or the late-night dessert lovers, your dream deserves the foundation to support it.

Remember that success in the pastry business comes from a blend of passion for baking and smart business practices. The most successful shop owners I’ve worked with understand their numbers as well as they understand their recipes.

Ready to turn your oven on and your revenue up? Head over to Complete Controller for expert business guidance and next-level financial services that keep your goals rising: Visit https://completecontroller.com/.

FAQ

What types of insurance should I consider for my pastry shop?

Liability insurance, property insurance, and business interruption insurance are must-haves to safeguard your shop and its assets. Also consider workers’ compensation if you’ll have employees. Having proper bookkeeping essentials for baked goods helps keep your insurance records organized and accessible when needed.

How do I create a unique menu for my pastry shop?

Blend local tastes with trending flavors. Focus on dietary niches (gluten-free, vegan), branded signature items, and seasonal specials. Test new items in small batches to gauge customer response before full production.

What are some effective ways to market a new pastry shop?

Sponsor local events, host soft openings, offer samples, and collaborate with nearby coffee shops or boutiques. Digital marketing through Instagram and Facebook can be highly effective, especially with visually appealing products like pastries.

How important is cleanliness in a pastry shop?

Extremely important. Beyond health codes, customers judge your hygiene standards through your displays, counters, and restrooms. A spotless operation builds trust and encourages repeat business and recommendations.

Can I start a pastry business from home?

Yes, but you must meet your local laws for “cottage foods” or home-based businesses. Always check zoning and food safety regulations first. Many successful bakeries started from home kitchens before expanding to retail locations.

Sources

• Complete Controller. (2025). Business Bookkeeping Essentials.
  • https://www.completecontroller.com/business-bookkeeping-essentials/
• Complete Controller. (2025). Everything to Know About Social Media Marketing.
  • https://www.completecontroller.com/everything-to-know-about-social-media-marketing/
• Complete Controller. (2025). Managing Business Accounting.
  • https://www.completecontroller.com/managing-business-accounting/
• Google Trends. (2025). Trends Data Tool.
  • https://trends.google.com/trends/?geo=US
• Janelle Copeland. (2025). Baking Business Guide.
• Philosophy of Yum. (2025). Micro Bakery Roadmap 2025.
• Puran Deep Patel. (2024). Industry Expert Interview. UpFlip Blog.
• Sharp Sheets. (2024). Bakery Startup Costs: Data From 1,600+ Bakeries.
• Small Business Administration. (2025). Apply for Licenses and Permits.
  • https://www.sba.gov/business-guide/launch-your-business/apply-licenses-permits
• Toast POS. (2025). How Much Do Bakeries Make?
• Toasttab. (2025). 10-Step Bakery Pop-up Formula.
• U.S. Centers for Disease Control and Prevention. (2025). Food Safety Standards.
  • https://www.cdc.gov/foodsafety/index.html
• Upmetrics. (2025). How much does it cost to start a bakery?

Being an entrepreneur is difficult. The excellent news is that we have compiled a list of great tips that will help you communicate better and manage your business like a big boss.

1. Guide with the example. Entrepreneurs need to act, not just talk. If you want your employees to be punctual, make sure you arrive on time or early. If professionalism is a priority, dress for success, and treat everyone with courtesy.
2. A little humility will take you far. There is a difference between being an entrepreneur and a boss. Although both are in charge, an entrepreneur shares the center of attention and feels comfortable giving also the credit to others. Even if it seems counterproductive, being humble will give you more confidence. Your employees and your customers will appreciate it.
3. Communicate effectively. This is imperative both in the office and in your personal life. Brilliant entrepreneurs know that listening is important and ensure that people hear and understand them. Communication is a two-way street and knowing how to take advantage of it will make your business continue to grow instead of slowing down.
4. Make your meetings productive. As the saying goes, time is money. So, you must learn to save time, especially at meetings. If you trust that your team will do the work, there should be no need to resort to micromanagement.
5. Know your limits. Even the kindest and attentive entrepreneur has its limits. Establish them and follow them. If others know what you will not tolerate there will be less frustration, that will avoid confusion.
6. Find a mentor. The best entrepreneurs know when they need help and know where to go to get it. No one knows everything, so find someone you trust to advise you when things get tough.
7. Be emotionally aware. Although many people advise that you keep emotions separate from business, negotiations are relationships with people and make that difficult to do. To make these relationships last, you need to be emotionally intelligent and sensitive to different points of view.
8. Take care of (and avoid) common entrepreneurship mistakes. Everyone makes mistakes, but we can avoid some mistakes. In order not to repeat them, you must know them without becoming obsessed.
9. Learn from the past. History, recent or past, is full of successful business models and colossal failures. Think of the people you admire and discover what went wrong for those who ended their careers with some scandal.
10. Never stop improving. The best entrepreneurs are constantly learning. There will always be something you can work on or a new skill to master. Make sure you have your mind open to fresh ideas and possibilities.

The decision to become an entrepreneur is both exciting and scary. These tips will help you be successful and remove some of the stresses that come along with being an entrepreneur.

 

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.

If you have reached a critical situation in which you believe you can no longer be in debt, it’s important to make sound decisions. The worst thing we can do in these cases is to stop paying the card or the debt we have, this severely affects your credit and financial stability.

Once you have taken on a debt, such as using your credit card or getting a loan, payment should be your priority. That is why before going into debt, you should analyze your finances and know if you can pay in the future. Otherwise, your credit history may be damaged and have long-term repercussions.

What can you do when you can no longer handle your debts?

We have 4 tips to help you. These steps will get out of this situation properly.

1. Act as Quickly as Possible. The best thing to do is to face the problem as soon as possible, no time to feel guilty or sad. The faster you act, the less negative consequences there will be. The longer you wait can lower your credit score and financial institutions will be less willing to help you if you wait too long to contact them.
2. Have Knowledge of Your Current Situation. One of the reasons we are overextended financially is because we do not know our financial situation. That is why the importance of being informed about the debts you hold and where they stand is vitally important. Be Always aware of payment amounts, interest rates, and due dates.

Important Information to Know

– What is your total debt plus interest, plus capital?

– Are the interest rates annual or monthly? Are they fixed or variable?

– Does your credit card charge an annuity, what is the amount to pay?

– Does your debt include insurance or commissions?

– What is your cut-off date and your payment date?

3. Know Your Ability to Pay. When analyzing your ability to pay you need to consider your expenses and cash flow. If at any point you find you can longer handle the debt, you will need to cut other expenses. Though it can be difficult it may be time to dispense with extra expenses that are not necessary to live, such as subscriptions for fun or outings. Better to lead a thrifty life for a while and end your debts, than to carry bad debts that will ruin your financial future.
4. Talk to Your Banking Institution. Once you are certain of your financial situation, you can go to the bank and talk. Your bank will appreciate that you have the initiative to settle your account, so this step is important. Talking about the situation you are in and the interest in paying off your account will leave a good impression and help you even if you are having difficulty paying your debt.

It is important that once you recognize your debts that you take steps to eliminate it as quickly as possible. These tips will help you to accomplish your financial goals and be debt-free.

 

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.

In the same way, the worker can renounce his position without prior notice or any obligation to the company. A custom is to pre-visit two weeks in advance, but the worker can even submit his resignation and go the same day to another job.

The cases of discrimination of any kind or if there is a signed employment contract are exceptions for which compensation can be given for the dismissal.

There is no severance payment or payment for seniority.

When can you ask for compensation for dismissal?

There are some cases in which a worker can open a claim for unjustified dismissal against his employer. This claim occurs mainly if the worker suspects that they were dismissed for illegal reasons or due to retaliation by the employer.

Although the process is not straightforward and requires a lawyer, here are some reasons why you could demand compensation.

1. Work accident that results in physical injury

In the United States, the law requires working in a safe environment, where appropriate measures are taken to protect the health and integrity of workers. Therefore, in the case of an accident at work, the employer must provide money and medical attention to the worker if he suffers a severe injury that leaves him disabled. The payment can be 2/3 of the salary while it is low.

There are cases of employers who take advantage of the ignorance of the laws by the worker. After an accident where there is an injury, they are dismissed without providing the compensation service or the appropriate medical care. This type of dismissal is illegal and is considered unjustified.

Another case is when, after a temporary discharge by accident, the employer informs the employee that he is dismissed.

Also, if the employer is disqualified for the position he performs, but instead of relocating him, he is dismissed.

In this case, the worker could obtain a life pension or a single payment for permanent disability.

2. Family emergencies or absence due to illness

If a worker needs to be absent due to things like a family mourning or medical emergency of a family member, the employer cannot fire him. If it is done, it is considered unjustified.

The same applies if you cannot show up for work because of illness and leave or leave because of it.

3. Fulfillment of citizen duties

An employer cannot fire a worker for taking time to exercise suffrage when there are elections. Neither may do so if the person has been called to serve as a juror in a legal case.

4. Pregnancy and permits for prenatal care

When a woman is in a state of pregnancy, she requires attention to regular medical appointments. If the employer decides to dismiss you, for this reason, it is also considered an unfair dismissal.

5. Discrimination of any kind

It is when the termination of the employment relationship is given for reasons of race, sex, religion, sexual orientation, origin, disability, or any other type of discrimination towards a minority. This cause of dismissal is severe because the bias is awful and damages the name of the companies. If a removal at work is found to be discriminatory, the employer may be liable to severe sanctions. Also, you must compensate the worker.

6. Labor retaliation by a superior

This retaliation occurs when a worker demands payment for overtime, not compensated, and the employer decides to dismiss him. Also, when the rest or mealtime to which one is entitled has been demanded.

The same applies to cases of sexual harassment. If a worker reports a case of proven harassment, he is entitled to compensation from the company.

7. Risky work or if the worker resigns for just cause

There are cases in which working conditions represent a risk to the employee’s integrity or when there are causes that legitimize a resignation. For example, if there is a modification of the terms of initial hiring without mutual agreement with the worker.

Another instance occurs if the worker is transferred to another branch or agency—which harms the worker or hinders his arrival. Or if the employer violates state or federal laws or fails to comply with the terms of the contract and dismisses the worker for demanding compliance.

Compensation

A dismissal for the above reasons may involve severe sanctions, including statutory penalties or payment for damages to the worker.

Also, it could include payments for lost wages, medical services not received, fees for representation expenses, expenses incurred by the worker (such as travel expenses), social security benefits, among others.

Among the arrangements that can be agreed upon, you can also request the reinstatement of the charge. This reinstatement can be either with the salary and conditions that were available or with the adaptations reasonably necessary. These changes may include promotion to a higher position if it has been unfairly denied.

Also, if there is an unjustified dismissal, you have the right to have your vacation, savings account, utilities, etc., liquidated.

Causes that justify dismissal without the possibility of compensation

You must bear in mind that there are cases that legitimize the dismissal of a worker. It is therefore vital that you take care of your obligations and not fall into one of the following faults:

1. Proven incompetence

In this scenario, the worker cannot perform his duties competently and has been given sufficient opportunities to improve.

2. Unexcused absences

Being late repeatedly without justification is considered an unexcused absence. When this happens frequently, the employer can fire the worker. Health situations or family emergencies only justify absences.

3. Physical violence

Blows, shouts, or verbal abuse towards a partner or superior falls under the category of physical violence. This behavior is reason for immediate dismissal.

4. Drugs or alcohol

Presenting yourself to work under the influence of alcoholic beverages or narcotics may be grounds for dismissal. Above all, if this is affected by productive activity and the normal development of work.

If prescribed medications cause the effects, the worker must indicate this to his employer so that other measures can be taken.

5. Immoral acts or violation of company regulations

Every company has a code or standards of compliance and ethics for employees. The workers must have explicit set norms. If they are established, and the employee fails to comply, it is sufficient reason to dismiss him.

This is important if it is about cases of harassment or discrimination, or immoral acts within the company. Also, it can be applied if corporate secrets or sensitive information about the company are revealed.

6. Illegal acts within the workplace

Theft, extraction of work items without authorization, embezzlement, sabotage, intentional damage to the property, work tools, etc. they are grounds for immediate dismissal and without any possibility of compensation.

7. Information falsification

Presenting false information in the curriculum as titles, knowledge, previous jobs, false references, or fake documents is an indisputable reason for dismissal.

In conclusion

If you consider that you have been unfairly dismissed, you can seek advice from a skilled labor lawyer to help you.

Remember that any accusation that justifies a dismissal must be proved. An employer cannot fire you in retaliation for demanding your rights.

A piece of advice, it is important to encourage the habit of saving for any eventuality, because as in most jobs the contract is at will, the dismissal can be for no other reason than the desire to continue the employment relationship no longer.

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.

Many companies sell car insurance. When you need the best coverage for the money, then you need to research the available companies. Insurance policies give you protection for your vehicle. This coverage allows you to have peace of mind that you are safe from financial losses. The car insurance companies give you the best customer service, updated websites that enable you to check your policies or pay your bills.

There are many car insurance corporations that give you the best policies at a reasonable price.

PROGRESSIVE INSURANCE COMPANY

The Progressive insurance company is a very well known insurance company with thousands of customers with great reviews. A recent study by J.D. Power found that when it comes to insurance company pricing, Progressive is one of the least expensive. 

They provide you a multi-car discount, pay in full discount, and multi-policy discounts. Progressive is at the top of the list that gives you the policy you like.

Now the best thing about Progressive, they have 18 million drivers insured today in America. 1 of 10 drivers wants to choose progressive over others.

QUOTEWIZARD INSURANCE COMPANY

Car insurance is about not comparing the rates. When you are shopping for insurance, one mistake that consumers make is not shopping multiple companies before purchasing. That is why we suggest you visit the quotewizard.com for the queries.

QuoteWizard is one of the largest independent insurance company in the U.S.

They give quotes. They are making it a straightforward policy to search auto insurance strategies when you decide to use QuoteWizard. You provide some simple information, and QuoteWizard will provide you with several insurance company quotes.

In conclusion, they will request for info like name, address, and email. They are also giving you the information for the proper workers in your area.

STATE FARM INSURANCE COMPANY

State farm insurance started in 1922; the company has a past of customer satisfaction and financial stability. State Farm gives you individual services with offices or agents spread all over the country. The company’s major offers are, they have several discounts they offer, brick and mortal agents and stores, and a great mobile app.

Pros of State Farm:

Limited agent and offices give in-person need

Inordinate mobile website and app

Sufficient discounts are available

 

ESURANCE COMPANY OF INSURANCE

 

The primary rewards of purchasing auto insurance with Esurance (owned by Allstate) is having the flexibility and control to manage your policy. Esurance is convenient and allows for customization of your coverage.

Pros of Esurance:

Easy and quick contact to auto insurance

Many options of customization

LIBERTY MUTUAL INSURANCE COMPANY

Liberty mutual insurance is one company that provides coverage to more than 1.5 million automobiles; they are considered the top of the most customer service rating.

Liberty Mutual was graded “better than most,” in J.D. Power’s 2018 Insurance Shopping Survey.

Pros of Liberty Mutual

Services provided 24 hours a day

Standard coverage is excellent and includes accident forgiveness, replacement of the new car, and deductible funds.

Cons of Liberty Mutual

If you are purchasing a single policy, it can be expensive.

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.

By: Jennifer Brazer

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.

Fact Checked By: Brittany McMillen

Avoid Travel Setbacks: Tips for Stress-Free Journeys

To avoid travel setbacks like flight cancellations, lost luggage, and unexpected disruptions, smart travelers prioritize preparation, flexibility, and technology-driven solutions before stepping foot in an airport. The key lies in anticipating potential problems and building contingencies into every aspect of your journey, from booking decisions to packing strategies.

Over my 20 years as CEO of Complete Controller, I’ve logged countless miles visiting clients and attending conferences across the globe. I’ve weathered Italian transit strikes, navigated medical emergencies in Colombia, and turned 12-hour flight delays into productive work sessions. These experiences taught me that resilience beats rigid planning every time. In this guide, you’ll discover battle-tested strategies for smooth trips, financial safeguards that protect your budget, and tech tools that transform potential disasters into minor inconveniences. You’ll learn how to select airlines with stellar on-time records, leverage travel insurance effectively, and create backup plans that actually work when chaos strikes.

What does it mean to avoid travel setbacks, and how can you achieve it?

• Proactive mitigation, efficiency tools, mindset shifts, financial safeguards, and health protocols
• Proactive mitigation involves anticipating disruptions like weather delays or logistics issues and creating solid contingency plans before departure
• Efficiency tools, including travel apps and comprehensive insurance policies, minimize risks while preserving your peace of mind throughout the journey
• Mindset shifts toward embracing spontaneity and reducing over-planning prevent frustration when facing unexpected changes
• Financial safeguards such as emergency funds and refundable bookings absorb unexpected costs without derailing your entire trip budget

Pre-Trip Preparation: Your First Line of Defense

According to consumer travel data, thorough planning prevents approximately 70% of common travel issues. The foundation of stress-free travel starts weeks before departure, when you have time to address potential problems calmly and systematically.

Your preparation checklist should cover three critical areas: documentation, insurance, and strategic packing. Each element creates layers of protection against different types of setbacks.

Document and insurance essentials

Secure both digital and physical copies of passports, visas, and complete itineraries before departure. Store digital versions in cloud storage accessible from any device, and keep physical photocopies separate from originals. Travel insurance serves as your financial safety net—opt for comprehensive policies with “Cancel For Any Reason” riders that cover medical emergencies, trip cancellations, and lost belongings. For international destinations, enroll in government alert programs like STEP (Smart Traveler Enrollment Program) to receive security updates.

Smart packing strategies

Strategic packing goes beyond choosing the right clothes. Use compression cubes to organize belongings and maximize space while keeping items easily accessible. Pack carry-on essentials strategically: medications, device chargers, important documents, and a complete change of clothes should never leave your side. Distribute valuables across multiple bags to minimize theft impact—never concentrate expensive items in one location. For international trips, verify voltage compatibility for all electronics and pack appropriate adapters.

Navigating Transportation Hiccups

Transportation disruptions affect millions of travelers annually, with approximately 22.7% of U.S. flights experiencing delays in 2024. Understanding patterns and implementing proven strategies dramatically reduces your exposure to these setbacks.

Airlines show significant performance variations that savvy travelers can leverage. Delta and Hawaiian Airlines maintained over 80% on-time arrival rates in 2023-2024, while JetBlue and Frontier lagged at just 68-69% punctuality. These statistics translate directly into your travel experience.

Flight and transit optimization

Book early-morning flights to avoid cascading delays that accumulate throughout the day. First flights typically depart on time since aircraft are already positioned at airports overnight. Use real-time tracking apps like Flightradar24 to monitor your flight’s incoming aircraft hours before departure. When booking ground transportation, pre-download offline maps and install multiple ride-share apps to avoid being stranded.

Contingency planning for delays

Create a comprehensive “delay kit” containing snacks, entertainment options, essential toiletries, and device chargers. Study airline compensation policies before flying—E.U. and U.K. regulations mandate specific payouts for delays exceeding three hours. TSA PreCheck® enrollment reduces security wait times from an average of 23 minutes to under 5 minutes, significantly lowering missed connection risks.

Staying Secure and Healthy on the Road

Health crises or security incidents impact approximately 34% of international travelers, making prevention strategies essential. Your safety protocol should address both physical security and medical preparedness.

Safety protocols in unfamiliar areas

Research destination-specific risks through government travel advisories before departure. Common scams, unsafe neighborhoods, and local crime patterns vary dramatically between locations. Use anti-theft bags with locking zippers and RFID-blocking technology. Share detailed itineraries with trusted contacts and enable location sharing through apps like Life360. Avoid displaying expensive jewelry, electronics, or large amounts of cash in public spaces.

Health management tactics

Assemble a comprehensive travel medical kit including bandages, antidiarrheal medication, pain relievers, and any prescribed medications with extra supplies. Dehydration and exhaustion weaken immune systems during travel—prioritize consistent water intake and adequate sleep. For remote destinations, identify English-speaking medical facilities and save their contact information offline. Consider telehealth apps that provide 24/7 access to licensed physicians.

Budgeting for the Unexpected: Financial Travel Strategies

Hidden costs derail 40% of travel budgets, but strategic financial planning absorbs these shocks without ruining your trip. Smart money management starts with realistic budgeting and continues through every transaction abroad.

Financial safeguards

Allocate 15-20% of your total travel budget specifically for emergencies like last-minute accommodation changes or transportation reroutes. Multi-currency cards from providers like Wise eliminate foreign transaction fees while offering competitive exchange rates. Set up real-time transaction alerts on all payment methods to catch fraudulent activity immediately. Notify banks of travel dates to prevent legitimate purchases from being flagged as suspicious.

Cost-efficient booking

Prioritize refundable accommodations and flexible flight options even if they cost slightly more upfront. Book activities through platforms offering free cancellation up to 24 hours before scheduled times. Many credit cards include trip protection benefits—review your card benefits and strategically book travel components to maximize coverage. Consider travel-specific credit cards that earn accelerated points on travel purchases while providing automatic insurance coverage.

Tech to the Rescue: Essential Digital Tools

Technology reduces travel stress by approximately 50% for frequent travelers who leverage appropriate apps and tools. The right digital toolkit transforms smartphones into comprehensive travel command centers.

Navigation and communication

Download Google Translate’s offline language packs for your destination before departure. WhatsApp and Telegram provide free international messaging and calling over WiFi. Secure VPN services protect sensitive data when using public WiFi networks while enabling access to banking apps that might otherwise be geo-blocked. Maps.me offers detailed offline maps with walking directions that function without data connections.

Real-time problem solving

Hopper analyzes historical data to predict flight price drops and optimal booking windows. LoungeBuddy locates accessible airport lounges during extended layovers, often available through day passes. TripIt automatically consolidates all booking confirmations into master itineraries with real-time delay alerts. FlightAware provides gate information and aircraft tracking that often updates faster than airline apps.

Real Stories: How Travelers Overcame Setbacks

Real-world examples demonstrate how preparation and flexibility combine to overcome major travel disruptions.

Case study: Italian transit strike

During an unexpected air traffic controller strike in Rome, a business traveler faced complete flight cancellations. Instead of accepting defeat, they researched alternative routes through airport travel agencies, ultimately rerouting through Barcelona. This flexibility saved the entire trip while adding just four hours to total travel time.

Case study: Medical emergency in rural Colombia

A traveler experiencing severe food poisoning accessed antibiotics through a pre-downloaded telehealth app, connecting with an English-speaking physician within 20 minutes. Having pre-registered with the service and saved prescription information before the trip enabled treatment without visiting potentially distant medical facilities. The preparation transformed a potential trip-ending crisis into a 24-hour recovery period.

Final Thoughts

After navigating strikes, health crises, and countless delays across 60+ countries, I’ve learned that perfect trips don’t exist—but perfectly prepared travelers do. Start implementing just one strategy from this guide, whether that’s investing in quality packing cubes or downloading offline maps for your next destination.

The principles I’ve shared apply whether you’re managing a startup’s travel budget or planning a family vacation. Smart preparation, financial cushions, and technological tools create resilience that transforms potential disasters into minor inconveniences. For comprehensive support in managing your business’s financial operations—including travel expense tracking and budget optimization—connect with our expert team at Complete Controller. We’ve helped thousands of businesses streamline their financial processes, giving owners more time and resources to invest in growth opportunities, including strategic travel.

Frequently Asked Questions About Avoiding Travel Setbacks

How can I avoid flight delays?

Book early-morning routes with airlines showing strong on-time performance like Delta or Hawaiian Airlines, and monitor real-time updates through apps like FlightAware to anticipate potential issues before they impact your schedule.

What’s the single most important item for avoiding setbacks?

Comprehensive travel insurance with medical coverage and Cancel For Any Reason (CFAR) riders addresses health emergencies, trip cancellations, and luggage problems through a single policy.

How do I handle lost luggage effectively?

Place AirTags or similar trackers in all checked bags, file reports immediately at the airline counter, and always pack medications, documents, and valuables in carry-on bags since most airlines compensate for delays exceeding 24 hours.

Are all-inclusive trips better for avoiding problems?

All-inclusive packages and guided group tours reduce booking complications significantly since experienced guides handle logistics while upfront pricing eliminates most surprise expenses during your trip.

How can technology prevent common travel issues?

Essential apps like Google Translate for offline translation, TripIt for centralized itinerary management, and Hopper for price monitoring create a digital safety net that addresses communication barriers, organization challenges, and booking optimization.

Sources

• Bureau of Transportation Statistics. “Flight Delays and Cancellations.” BTS.gov, 2024. https://www.bts.gov/newsroom/air-travel-consumer-report-december-2024-full-year-2024-numbers
• Consumer Reports. “Travel Planning & Tips.” ConsumerReports.org, 2024. https://www.consumerreports.org/cro/travel/
• Centers for Disease Control and Prevention. “Travelers’ Health.” CDC.gov, 2024. https://www.cdc.gov/travel/
• Department of Transportation. “Airline On-Time Performance Improves in 2010.” Transportation.gov, 2011. https://www.transportation.gov/briefing-room/airline-time-performance-improves-2010
• Italy Beyond the Obvious. “A Traveler’s Guide to Strikes in Italy.” ItalyBeyondtheObvious.com, 2023. https://italybeyondtheobvious.com/travelers-guide-strikes-italy
• Khan, Mahmood. “Holiday Travel Planning.” Virginia Tech News, 2023.
• NerdWallet. “Which Airline Is the Most Reliable?” NerdWallet.com, 2024. https://www.nerdwallet.com/article/travel/most-reliable-airlines
• SafetyWing. “Travel Medical Insurance.” SafetyWing.com, 2025.
• Travel Agent Central. “Stats: Travelers More Inclined to Buy Insurance in 2023.” TravelAgentCentral.com, 2023. https://www.travelagentcentral.com/your-business/poll-reveals-travelers-more-inclined-buy-insurance-2023
• Whatfix. “Top 21 HR Challenges in 2024.” Whatfix.com, 2022.
• Xero. “Predictive Invoicing Case Study.” Xero Blog, 2024.

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- What is a ‘Virtual’ Bookkeeper?

In literal terms, a bookkeeper is a person who is employed by a business to take care and maintain records of all the financial matters and affairs that take place in an organization internally and externally. When you add the word Virtual to bookkeeping, it gives the bookkeeper the ability to telecommunicate instead of working physically at a business or a client’s office.

 

Apart from the difference in work location, there isn’t much that differs in bookkeeping and virtual bookkeeping.

A virtual bookkeeper simply uses online software to store, review, post, and update financial statements and bookkeeping records of the business.

B- How does it work?

Virtual bookkeeping is not rocket science. For enabling, the business simply grants remote access to the server, financial documents, and the software to the bookkeeper.

 

The bookkeeper is required to sign on the secure network of the company at home, similarly to an employee who would be working in the company. The bookkeeper then installs the company’s bookkeeping software on his computer, where he will be handling all the financial matters of the company.

 

One thing that companies have to be careful about is that they and the bookkeeper are dealing while using the same software so that all the bookkeeping and financial records are communicated and transferred correctly without the chance of a mistake. Either the business itself or the bookkeeper has to purchase the software so that they can legally get registered.

 

Once a business hires a virtual bookkeeper, he/she is paid according to the payroll policies of the company that applies to the employees working within the office premises. In case a bookkeeper works as a private contractor, he/she will charge the business and receive the payment according to the payment policy of the contractor.

 

The following is a step-by-step walkthrough of how virtual bookkeeper works to give you a clearer idea.

 

1- First Consultation: A video conference meeting is held online with the sole purpose of discussing the bookkeeping assignment of the client thoroughly and in-depth to make sure that no confusion or mistakes are given a chance.

 

2- Legalities: Known as the ‘engagement letter’ by some experts, a confidentiality report has to be established between the client and the business.

 

3- Bookkeeping software: The business and the bookkeeper have to ensure that they use the same software to ensure the correct transfer and communication of the bookkeeping and financial records. A variety of software can be chosen according to the needs of the business.

 

4- Clients source document sending procedure: First of all, the clients are sent a checklist that helps them prepare source documents. The required data and guidelines for the organization of the data is sent to the bookkeeper. Various methods are used to maintain bookkeeping online.

 

5- Bookkeeping Stage: Once the bookkeeper receives the documents of the client, they process the data into the accounting software chosen by the business.

 

6- Reporting Stage: After the bookkeeping is completed, the financial documents required by the business are processed and sent to the client electronically.

 

7- Monthly Meetings: As communication is the key to successful virtual bookkeeping, the bookkeeper and the business communicate via online meetings at least once a month.

 

8- Returning data: The data is stored/posted back to the client or accessed in shared folders or an online storage facility until the bookkeeping record agreement ends.

 

C- Can anything go wrong?

When done well, the relationship between virtual bookkeeper and the business is very beneficial. In case of the opposite, the relationship falls over, leaving things a bit messed up. Unfortunately, there are some pitfalls associated with virtual bookkeeping, but they mostly occur in limited cases. The most common are:

 

1- The failure of communication between the client and the overall business means of communication i.e., email, phone, etc

 

2- The bookkeeper or business fails to deliver the source documents by any due dates

 

3- The wrong information is transferred between the business and the bookkeeper

 

4- Misinterpretation of information and instructions between the bookkeeper and the business leading to incorrect outcomes

 

 

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.

What is a CPA, and why do we need them? We often hear this question. CPA stands for Certified Public Accountant, and why do we need them; to answer this query, we came up with 15 important reasons that will justify this question.

 

CPA helps you with preparing your taxes, bookkeeping, managing your investments, or if you are trying to save some money, an accountant can help.

 

1. Planning To Start New Business Venture

If you were planning to start a new business venture, you would need an accountant. There is a lot of paperwork that needs to be taken care of when applying for a business license. CPA ensures that all your taxes are filed accurately.

 

2. Your Investments

You want to invest in the stock market or real estate, but not sure if it would be beneficial. Your accountant is the best person to turn to for financial advice.

 

3. You Own Properties

Some taxes are specifically for properties, which most of us might not be aware of. If you own a home or plots or any other property, a CPA can help in managing them as well as it will save you from a hassle when filing for a tax.

 

4. Tax Laws

Keeping track of tax laws is not easy as they change over the period. It is essential to pay attention to these changes, as there might be something important that you do not want to miss out on. A CPA is always up-to-date with these changing tax laws. Their knowledge and practice can help you get tax benefits. If you also want to learn about tax laws, refer to the IRS website.

 

5. Self-Employment

Most businesses hire an accountant for bookkeeping. If you are self-employed or own a home-based business, you still need an accountant to keep track of all your financial transactions. To avoid any problems with IRS or in your business strategies, your financial expert makes sure your accounts are clear from any debt.

 

6. Improving Your Credit

Your credit history is the most crucial element of your finances. If you plan to start a business or apply for a loan, the first thing that is checked is your credit history. Paying your bills, loan, or any other financial charges on time helps you maintain your credit. Consult with an accountant on how to improve your credit ratings.

 

7. Your Income

If your income is more than $200,000 annually, then you may want to hire a CPA as soon as possible. People with this much income are more likely to be audited. You always want to be on a safe side when preparing your tax.

 

8. You Are Bad With Numbers

Not all of us are good with it, and that is completely fine. Get some expert help to avoid any mistakes. An accountant is a trained expert who can help you in fixing errors and prevent them in the future.

 

9. You Owe Taxes

You could be in a problem if you owe anything to the IRS. It is high time to contact your CPA for help. He/ She can assist in understanding what you owe and how to avoid any errors in the future. It is not easy to fix tax problems on your own, but a CPA is a professional who tries to make sure problems get fixed in no time. 

 

10. Saving for Children

As parents, you have to keep your child’s future in mind. If you want to open up a college savings account or want to invest in your child’s future, an accountant can be of help. They have the ideas to increase your money for your family’s future.

 

11. Various Sources Of Income

Different sources of income mean a separate W-2 to record. An accountant can help you with how to report everything accurately. A small mistake in preparing your tax could lead to a bigger problem. 

 

12. Save Your Time

If you are managing a business or multiple businesses, you are probably running low on time. If you have no idea what you are working on, you are wasting your time. To avoid any confusion and save some time, get help from a CPA.

 

13. Reducing Debt

If you are in debt or close to being bankrupt, it is high time to consult an accountant. Your accountant knows how to negotiate with creditors and prevent you from any harassment.

 

14. Life Transition

Getting married, divorced, retired, or having a child is a significant life change that everyone goes through. As these changes occur, financial transitions also take place. Your accountant will help you in dealing with your financial being.

 

15. Save Money

The most important reason to get help from a CPA is to save money. Your financial expert knows how to make the right decision when filing for taxes, planning a business, or setting up retirement plans.

 

Filing for taxes, starting a new venture, or saving yourself from financial crises could be challenging. Get professional help to ensure you are on the right path.

 

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.

What is social security?

Social security is a social insurance system that includes all the benefits to which insured persons are entitled and whose purpose is to supplement or replace the worker’s professional income to preserve it from the consequences of certain social risks.

 

The word “insurance” indicates the notion of risks in contradiction of which one wishes to safeguard oneself. In the context of social security, it is about social risks such as, any event preventing the person from having a proficient income: the social security then assures him a replacement income. Or if the standard of living of the person: the cost of health care, the burden of the family that increases household spending, social security then provides a corresponding income.

 

We talk about social insurance because it is an insurance system (we contribute to cover the risks that we might meet ourselves) but differs from private insurance because it is based on solidarity. When you buy private insurance, the premium is based on the importance of the risk, and the insurance company can refuse to take on a particular risk (we do not insure someone who is already seriously ill). In social security, contributions are income-dependent: a high-risk person will pay dues based on income in the same proportion as a low-risk person.

 

Thus, this system realizes a redistribution of income within society: young to old, healthy to the sick, those who work for the unemployed, men to women. We decide freely to take private insurance. On the other hand, social security is compulsory for all workers. Thanks to social security, the poverty rate in Belgium reaches 15.5%. Without social security, this rate would be around 43.1% tip.

 

 

History of social security

“The history of social security is inseparable from the history of industrialization but also the history of the labor movement, and the answer to the problem of insecurity of existence will become the stake of a formidable struggle between rival forces of society.

 

Poverty and vulnerability of the working class

The industrial revolution of the 19th century favored the economic growth of Belgium but, at the same time, provoked significant poverty within this new class, which is created: the working class. The latter, deriving its only means of subsistence from the “rental of its labor force,” appears to be particularly vulnerable. Especially since urbanization and the massive exodus of people from the countryside to the cities, have resulted in the breakdown of family and community solidarity. Industrialization itself and the mode of production have generated new forms of social unhappiness: economic convulsions leading to unemployment, accidents at work due to machinery, etc.

 

The political world of the time, conforming to conventional liberal theories, as opposed to any intervention of the public authorities in what it considers as a private domain. And often, this explains poverty by moral and religious arguments. If the worker who can no longer work is in a state of extreme poverty, it is because he was improvident and did not spare. To remedy this lack of foresight, one must be educated. However, this denies a fundamental fact: workers’ wages are so low that they are barely enough to support their livelihoods, and the propensity to save is, therefore, almost nil.

 

Mutual aid funds

Some social protection mechanisms exist, however. There are charitable organizations, hospitals, hospitals. Still, this help induces a tutelary relationship where the poor is considered a “child,” an unacceptable situation for the workers’ movement, which will, therefore, try to organize itself. Mutual aid funds are created for the encouragement of skilled workers, middle-class patrons, or bosses with social distresses. But managed in a basic way and grouping a too small number of members, they find themselves incapable of offering severe guarantees. The state will interfere with facilitating the creation and development of these mutual societies.

 

The German model

Under the pressure of a workers’ movement that develops and is organized everywhere in Europe tip, the political power will have to intervene in the social question. Thus, between 1883 and 1889, the government established the first system of compulsory social insurance in the fields of health insurance, work accidents, and old age.

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-hosted desktop where their entire team and tax accountant may access the QuickBooks™️ file, critical financial documents, and back-office tools in an efficient and secure 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.