Bookkeeping

Struggling to Keep Up with Bookkeeping? Here’s How to Regain Control

6

Summary of What This Blog Covers:

  • Identifies common reasons business owners fall behind on bookkeeping — Breaks down the everyday challenges entrepreneurs face like juggling too many roles, using outdated systems, or lacking real-time financial insight that lead to delayed or incomplete bookkeeping.

  • Explains the real financial risks of disorganized or late bookkeeping — Outlines the consequences of poor bookkeeping, including overpaid or underpaid taxes, compliance issues, poor cash flow visibility, and lost growth opportunities due to lack of accurate financial data.

  • Outlines how Insogna CPA’s proactive, cloud-based bookkeeping system solves these issues — Details how services like weekly reconciliations, QuickBooks Online integration, automated reporting, tax strategy, and multi-state compliance help business owners regain financial control without doing the work themselves.

  • Highlights the value of partnering with a CPA-led firm that supports long-term growth — Positions Insogna CPA as a strategic partner that grows with your business. Offering personalized bookkeeping, tax guidance, and scalable accounting support, so you can focus on running and scaling your company.

Let’s be honest for a minute.

You didn’t start your business because you love spreadsheets. You’re here because you had a vision, a product, or a service you knew people needed. You’re here to build something real, not to manually categorize Amazon expenses or wonder if you logged that Venmo transaction from three weeks ago.

But here you are: receipts piling up, bank accounts not quite reconciling, and tax deadlines sneaking up like uninvited guests.

If this sounds like you, you’re in good company. At Insogna CPA, a leading CPA firm in Austin, Texas, we work with business owners across industries—from consultants and creatives to eCommerce brands and service pros—and nearly all of them have hit a point where bookkeeping stopped being manageable.

The good news? There’s a fix. And it doesn’t involve you becoming an accountant.

Why Business Owners Fall Behind on Bookkeeping

Falling behind on your books isn’t a character flaw, it’s a side effect of running a growing business. Here’s what typically throws entrepreneurs off course:

1. Wearing All the Hats

You’re the CEO, sales team, customer service rep, content creator, and IT department. Adding “bookkeeper” to that list just doesn’t scale.

2. Outdated Systems

Spreadsheets might work when you’re just starting out, but they don’t sync with your bank or track merchant fees. Manual entry = missed transactions and human error.

3. Lack of Real-Time Data

Without a reliable system, your numbers are always a few weeks (or months) behind and that’s dangerous when you’re making hiring, purchasing, or growth decisions.

4. Tax-Time Panic

When tax season hits, all the shortcuts catch up with you. You can’t find receipts, categorize expenses fast enough, or confidently calculate what you owe.

If you’ve found yourself Googling “tax preparer near me” or “bookkeeping services near me” in a panic, this blog is for you.

What Happens When Bookkeeping Slips?

Ignoring your books (or trying to wing it) leads to more than just headaches. The consequences can be costly:

  • Overpaying taxes due to missed deductions

  • Underpaying taxes, triggering penalties or audits

  • Cash flow issues because you don’t know where your money is going

  • Compliance risks, especially with payroll, sales tax, or multi-state income

  • Lost growth opportunities because you can’t confidently forecast or invest

The fix? A smart, CPA-led bookkeeping system that keeps your finances organized and off your plate.

The Fix: CPA-Guided, Cloud-Based Bookkeeping You Can Trust

You don’t need another app. You need a process and a team. At Insogna CPA, we provide bookkeeping and tax services built for business owners who hate numbers but still want clean, audit-ready financials.

Here’s how we help you go from chaos to clarity:

1. Real-Time Bookkeeping That Runs in the Background

We update your books weekly, not just in April. That means:

  • Your cash flow is always accurate

  • Your P&L and balance sheet are ready anytime you need them

  • You can make informed decisions based on now, not last quarter

We use QuickBooks Online, integrated with your bank, merchant processors (Stripe, Shopify, PayPal), and payroll tools to keep data flowing automatically.

Need QuickBooks help? Our team includes certified QuickBooks Online accountants who can set it up, clean it up, and maintain it so your books run themselves, and you stay focused on running your business.

2. Clean Books = Smarter Decisions (and Lower Taxes)

Bookkeeping isn’t just about avoiding IRS fines, it’s about giving yourself the tools to grow.

With accurate records, you can:

  • Know exactly how much you’re spending on marketing, payroll, or software

  • Decide when you can afford to hire

  • Compare month-over-month performance

  • Track recurring revenue and churn

  • Determine when to make large investments or save

And come tax time? You’re not hunting down receipts or trying to remember what that random charge was. Your books are already done and we’re already working on your tax strategy.

3. Built-In Tax Strategy (So You Don’t Overpay)

Your books are the foundation of your tax planning and if they’re not updated, your CPA is just guessing.

With Insogna CPA, your bookkeeping is fully integrated with your tax preparation services. That means:

  • We capture and document every legal deduction (home office, mileage, software, etc.)

  • We apply Section 179, Bonus Depreciation, and Qualified Business Income Deduction (QBID) strategies where applicable

  • We optimize your owner compensation structure (salary + distributions)

  • We help you plan for quarterly estimated taxes to avoid surprises

This is where working with a licensed CPA in Austin, Texas pays off because you’re not just filing taxes, you’re using your books to lower your tax liability proactively.

4. Full Sales Tax, Payroll, and Multi-State Compliance

If you sell online, operate in multiple states, or have remote employees, compliance can get messy fast.

We handle:

  • Sales tax registration and filings across jurisdictions

  • Payroll tax setup, reporting, and reconciliation

  • Multi-entity income tracking for proper allocation

  • FBAR filing for international assets

You’ll never wonder if you filed the right form again. Whether you’re looking for an enrolled agent, a taxation accountant, or a certified CPA near you, we’ve got your compliance covered.

5. Easy-to-Understand Financial Reporting

You don’t need to become a CPA to understand your numbers. You just need a partner who explains them in plain English.

Every month, we walk you through:

  • Your Profit & Loss Statement: Are you making money?

  • Your Balance Sheet: What do you own and owe?

  • Your Cash Flow Statement: Can you afford that new hire or expansion?

These aren’t just reports for tax season, they’re decision-making tools. And your dedicated Austin, TX accountant will walk you through them so you feel confident making financial choices.

6. Seamless Integration with Your Tech Stack

We don’t just use QuickBooks Online, we make it work with the tools you already rely on.

We integrate:

  • Payment processors like Stripe, PayPal, and Square

  • eCommerce platforms like Shopify, Amazon, and Etsy

  • Project management tools like Gusto, Harvest, and Bill.com

  • Receipt and expense tracking via Dext and Expensify

We also handle account payable, account receivable, and chart of accounts cleanup—ensuring you’re set up for long-term success.

Need help deciding on the right tools? Our CPAs and bookkeeping experts can recommend tech stacks based on your industry, size, and goals.

7. Support That Scales with You

Whether you’re just getting your first few clients or prepping for Series A funding, your bookkeeping needs will evolve.

At Insogna CPA, we build accounting packages for small businesses that grow with you. From basic compliance to full virtual CFO support.

Looking for Austin accounting firms with long-term partnership in mind? We’re it.

Why Insogna CPA?

We’re more than just your average tax preparation services near you result. We’re your all-in-one solution for:

  • Bookkeeping services near you, fully automated and CPA-managed

  • Tax planning from licensed tax accountant professionals

  • Cleanups for messy books (we’ve seen it all)

  • Ongoing guidance from a CPA-certified public accountant

  • Long-term financial strategy, not just compliance

Whether you’re looking for a small business CPA Austin, an Austin tax accountant, or a firm that can actually grow with you, Insogna CPA is ready to help.

Ready to Clean Up Your Books (Without Doing It All Yourself)?

If you’re tired of falling behind, second-guessing your financials, or dreading tax season, let’s get your books back on track.

Schedule a consultation with Insogna CPA—your trusted Austin, TX accountant, certified professional accountant, and full-service tax and bookkeeping partner.

We’ll help you:

  • Catch up on overdue books

  • Automate your systems

  • Clean up your QuickBooks Online

  • Lower your taxes

  • Reclaim your peace of mind

You lead the business. We’ll make sure the numbers stay clean, clear, and working for you.

..

7 Bookkeeping Tips for Business Owners Who Hate Numbers

2 10

Summary of What This Blog Covers:

  • Provides practical, CPA-backed bookkeeping tips for business owners who aren’t “numbers people” — Offers seven actionable tips to help entrepreneurs automate tasks, organize their finances, and avoid tax-time chaos even if they hate spreadsheets.

  • Emphasizes the importance of automation, clean financial separation, and weekly bookkeeping habits — Breaks down how to implement real-time expense tracking, use apps like QuickBooks and Dext, and stay proactive with finances through short, regular check-ins.

  • Explains how to optimize deductions, reconcile platform income, and read financial reports strategically — Highlights how proper bookkeeping helps capture tax savings, avoid reporting errors, and make informed business decisions based on accurate financials.

  • Showcases how Insogna CPA helps business owners simplify bookkeeping and scale smarter — Introduces Insogna CPA as a year-round partner offering expert tax guidance, strategic planning, and customized bookkeeping services for Austin-based and nationwide entrepreneurs.

Let’s face it — most business owners didn’t launch their companies with dreams of reconciling bank statements or categorizing Stripe payouts. You started your business to build something bold, creative, profitable. Something that solves a real problem. But as your business grows, so does the complexity of your finances.

And if bookkeeping isn’t your thing? You’re not alone.

At Insogna CPA, a top-rated CPA firm in Austin, Texas, we work with smart, successful business owners who want to run their businesses, not spend their weekends buried in spreadsheets or wondering whether they categorized that Amazon charge correctly.

The good news? You don’t need to love numbers to keep your books clean. You just need the right systems and the right team behind you.

Here are 7 bookkeeping tips designed for business owners who’d rather build, scale, and lead than log receipts—and how to finally make your numbers work for you.

1. Automate Everything (Because Manual Entry is the Fastest Way to Burn Out)

Still entering expenses manually into Excel? That’s not noble. It’s a full-time job you didn’t sign up for.

Here’s what you should automate:

  • Bank and credit card feeds through QuickBooks Online, Xero, or Wave

  • Recurring invoices for retainers or subscription clients

  • Automated payment reminders to reduce unpaid invoices

  • Receipt tracking via apps like Dext, Expensify, or QuickBooks mobile

  • Bill pay automations to avoid late fees and keep cash flow smooth

Automation doesn’t just save you time. It protects you from data entry errors that can throw off your financial reports and tax filings.

Need help setting up automation that fits your business model? That’s where QuickBooks help from a certified public accountant near you comes in.

At Insogna CPA, we tailor automation to your needs so your books keep running while you keep growing.

2. Keep Business and Personal Finances Separate (Seriously, This Is Non-Negotiable)

You’d be amazed how often a great business is undermined by one critical mistake: mixing personal and business funds.

Set this up right:

  • Open a business bank account and a business credit card

  • Pay yourself via salary (if you’re an S Corp) or owner’s draw (if you’re a sole proprietor or LLC)

  • Never pay personal expenses from your business account not even “just this once”

  • Reimburse yourself properly with documentation

If your business is an LLC or S Corp, mingling funds can “pierce the corporate veil,” putting your personal assets at risk during an IRS audit or legal dispute.

A CPA in Austin, Texas can help you structure your accounts, pay structure, and documentation the right way from the start or clean it up before it becomes a liability.

3. Schedule a Weekly “Money Date” (It’s More Fun Than It Sounds)

You don’t need to obsess over your numbers daily but waiting until tax season is how small mistakes become big tax bills.

What to do in 30 minutes each week:

  • Review your Profit & Loss activity—is anything missing or miscategorized?

  • Match up bank balances with your books

  • Look at open invoices and overdue bills

  • Flag any suspicious or unrecognized charges

  • Set goals for the upcoming week (e.g., follow up on that unpaid invoice)

This isn’t just about avoiding surprises. It’s about learning to read your business financially.

If you’re not sure what to look for? Our Austin accounting team can build simple dashboards, review your weekly check-ins, and give you the language you need to feel confident without turning you into a CPA.

4. Track Deductions in Real Time (Because Trying to Reconstruct Receipts in April Is a Nightmare)

Every business owner loves deductions. But most don’t realize how many they miss just by not recording things properly or at all.

Real-time tracking helps you:

  • Maximize deductions like home office, software tools, business meals, continuing education, and travel

  • Avoid lost receipts by snapping them immediately into QuickBooks, Dext, or Expensify

  • Keep detailed records of mileage, subscriptions, and shared-use expenses

  • Document purchases for Section 179 write-offs and Bonus Depreciation eligibility

Need a deduction review before year-end? That’s what a tax advisor near you is for. At Insogna CPA, we walk through your books with a tax strategist’s eye not just a bookkeeper’s to make sure every deductible dollar is documented and defensible.

And yes, we’ll tell you what you can’t write off, too. Because the last thing you need is an IRS flag over your Friday coffee runs.

5. Reconcile Sales Platforms Because Shopify, Stripe & PayPal Don’t Always Play Nice

If you’re running an eCommerce store, selling on Amazon, or collecting payments through platforms like Stripe or PayPal, you’re dealing with more than just bank deposits.

Here’s what you need to reconcile:

  • Platform payouts vs. actual income recorded

  • Processing fees (which are deductible)

  • Chargebacks, refunds, and partial payments

  • Sales tax collected, owed, and remitted across jurisdictions

QuickBooks doesn’t automatically get this right and if your records don’t match your bank, you could be overstating income (and overpaying on taxes).

Our Austin, TX accountants are experts at reconciling multi-platform payment streams and ensuring your financials—and your sales tax records—are accurate and compliant.

Looking for a CPA firm in Austin, Texas that understands eCommerce and digital platforms? You just found us.

6. Work With a CPA, Not Just a Bookkeeper (Because You Need a Strategy, Not Just Records)

A bookkeeper tracks your financial past. A certified CPA helps you use that data to build your financial future.

A CPA helps you:

  • Choose and optimize your entity structure (LLC, S Corp, C Corp)

  • Create a compensation plan for yourself and your team

  • Manage account payable, account receivable, and cash flow forecasting

  • File taxes accurately and reduce them legally

  • Stay in compliance with payroll tax, sales tax, and even FBAR filing requirements

Many small businesses outgrow their bookkeeper’s capabilities without realizing it. If your business is scaling, adding team members, or preparing for funding, you need a strategic partner, not just someone recording data.

Insogna CPA offers accounting packages for small business that grow with you and come with real advice, not just tax forms.

7. Actually Use Your Financial Reports (They’re More Powerful Than You Think)

Don’t wait for your tax preparer to ask for your P&L. Review it monthly along with your Balance Sheet and Cash Flow Statement and use it to make better decisions.

What these reports tell you:

  • Profit & Loss: Are you really making money, or just spinning your wheels?

  • Balance Sheet: Do you have assets to cover your liabilities? Are you building equity?

  • Cash Flow Statement: Can you afford that investment or will it leave you strapped?

Most business owners don’t know how to read these reports and that’s okay. Your Austin tax accountant or CPA-certified public accountant will help you interpret them, translate them into strategy, and use them to plan your next move.

Why Insogna CPA?

At Insogna CPA, we don’t just clean up your books. We help you build a financial system that supports your vision and makes tax season feel like just another day.

We’re not your typical “tax preparation services near me” Google result. We’re a full-service accounting firm with:

  • Certified CPAs, enrolled agents, and tax advisors under one roof

  • Deep expertise in QuickBooks help, sales tax compliance, and business tax strategy

  • Custom bookkeeping services near you built around your industry and growth goals

  • Support for startup founders, service providers, eCommerce businesses, and agencies alike

  • Proactive communication not once a year, but all year long

Whether you’re searching for a small business CPA Austin, a trusted tax accountant near you, or a full team to handle accounting and bookkeeping, we’ve got your back.

Ready to Get Your Books Clean Without the Headache?

You don’t have to be a “numbers person” to have clear, accurate, and scalable financials.

Schedule a consultation today with Insogna CPA—your go-to Austin, TX accountant, certified CPA, and year-round financial strategist.

We’ll:

  • Automate your bookkeeping

  • Track every deduction that counts

  • Keep your books audit-ready

  • Save you time and money

  • Give you clarity and confidence as you grow

You build the business. We’ll keep the numbers in line.

..

Struggling to Separate Your Business and Personal Finances? Here’s How to Fix It

4 7

Summary of What This Blog Covers:

  • Explains why separating business and personal finances is essential for legal protection and tax clarity
    Highlights common reasons business owners mix finances and the risks it creates. From missed deductions to IRS audits and loss of LLC or S Corp liability protection.

  • Provides step-by-step guidance to fix mixed finances the right way
    Outlines four actionable steps, including opening dedicated accounts, using cloud-based bookkeeping systems like QuickBooks Online, and working with a certified public accountant for setup and compliance.

  • Shows how clean financial separation improves decision-making, reduces taxes, and supports business growth
    Connects financial organization to better forecasting, simplified tax prep, and investor-readiness, reinforcing why it’s foundational to scaling confidently.

  • Demonstrates how Insogna CPA helps small business owners clean up their books and stay IRS-compliant year-round
    Describes real-world scenarios we’ve solved and positions our team of licensed CPAs and Austin accounting experts as the go-to solution for proactive tax and bookkeeping support.

When you first launched your business, keeping your business and personal finances separate probably wasn’t high on the priority list.

Between landing your first client, paying for that surprise software tool, and keeping up with receipts in your inbox, “open a business bank account” was somewhere between “figure out pricing” and “build a website.”

Now, a year or two in, you’re looking at your books thinking:

  • Is that Amazon charge for office supplies or toilet paper?

  • Did I just deduct dinner with friends as a business meeting?

  • Why is tax season turning into a full-blown scavenger hunt?

If that hits a little too close to home, you’re not alone. At Insogna CPA, a leading CPA firm in Austin, Texas, we work with entrepreneurs and small business owners every day who feel buried in financial gray areas.

The good news? This is not just fixable, it’s transformational. Once you clean up your finances, you’ll unlock better tax deductions, smarter financial decisions, and more peace of mind.

Let’s walk through the why, how, and what’s next of separating your business and personal finances. The right way.

Why Business Owners Struggle with Financial Separation

If your finances are tangled, it’s not because you’re careless. It’s because you’re busy building a business. But left unchecked, these bad habits can lead to:

  • Tax filing delays

  • Missed deductions

  • IRS audits

  • Personal liability issues (especially if you’re an LLC or S Corp)

The most common culprits?

  • One checking account handling business and personal expenses

  • Using the same credit card for groceries and client dinners

  • Skipping monthly reconciliation

  • A complete lack of bookkeeping system or support

A certified CPA or small business CPA in Austin can help you course-correct. But first, here’s what you need to know to fix it yourself (or with our help).

Step 1: Open a Business Bank Account and Credit Card

This step isn’t just about convenience, it’s about legal protection and audit-readiness.

Here’s what to do:

  • Open a dedicated business checking account

  • Set up a business credit card for expenses (with cash-back or rewards, ideally)

  • Pay yourself a salary or owner’s draw. Don’t treat your business account like your personal wallet.

Why this matters:

If you’re running an LLC or S Corp, mingling funds can “pierce the corporate veil.” Translation? In the event of a legal dispute or audit, your personal assets might be exposed. That vacation home or savings account? Fair game.

If you’re not sure how to structure this based on your business entity, a licensed CPA or Austin, TX accountant can guide you through it.

Step 2: Build a Bookkeeping System That Actually Works

Tracking income and expenses on a Google Sheet might work at the beginning. But as your business scales? You need a real system.

What to implement:

  • Use QuickBooks Online, Xero, or another cloud-based bookkeeping platform

  • Sync your bank and credit card accounts

  • Categorize transactions weekly

  • Reconcile monthly

  • Track receipts with apps like Dext, Expensify, or Hubdoc

If you’re already overwhelmed, this is a great time to bring in bookkeeping services near you that are led by CPAs, not bots or data-entry freelancers.

At Insogna CPA, we help business owners automate and streamline their books through QuickBooks help and hands-on support from our Austin accounting team.

Step 3: Be Ruthless About Expense Separation

Having separate accounts is just step one. You also need the discipline to maintain the boundaries.

Rules to live by:

  • Don’t use your business card for personal expenses. Ever.

  • Don’t reimburse yourself randomly without documentation.

  • Log home office, mileage, and business meals

  • If you mix something by accident (we all do!), fix it immediately and document it properly.

If the IRS ever audits you and sees blurred lines, they could:

  • Disallow legitimate deductions

  • Trigger deeper audits

  • Deny your business status entirely, which means more taxes and penalties

That’s why clients work with a certified public accountant near you not just to stay organized, but to stay safe.

Step 4: Work With a CPA to Maximize Deductions and Protect Cash Flow

This is where the real transformation begins.

You can separate your finances, but only a qualified CPA in Austin, Texas can help you:

  • Claim every legal deduction (like Section 179, the Augusta Rule, and QBID)

  • Plan for quarterly taxes so you’re never caught off guard

  • Build a compensation structure (like salary + distributions) that minimizes tax

  • Ensure compliance with sales tax, payroll, and state reporting

  • Analyze financial reports to help you make confident, data-driven decisions

Software doesn’t strategize but a CPA-certified public accountant does.

Looking for a “tax consultant near you” who can actually save you money? You’ve found us.

Why Separating Your Finances Makes Your Business Stronger

Let’s connect the dots:

Clean finances = better decisions:

  • You’ll know where your money is going and where it should be

  • You’ll spot trends, risks, and opportunities earlier

  • You’ll be able to forecast cash flow, not just react to it

Clean finances = lower taxes:

  • You’ll actually claim every deduction you’re entitled to

  • You’ll avoid messy errors that flag IRS attention

  • You’ll spend less on tax prep and avoid late-filing penalties

Clean finances = scalability:

  • Need to apply for a business loan? You’ll have spotless financials

  • Want to raise capital? Investors will trust your reports

  • Thinking about exiting or selling? Valuations start with clean books

That’s why entrepreneurs across industries choose Insogna CPA, one of the most trusted Austin accounting firms, to set up and manage their financial systems.

Why Insogna CPA?

At Insogna CPA, we don’t just prepare your taxes. We design the financial infrastructure your business needs to thrive. We know you didn’t start your business to chase down receipts or spend your weekends figuring out what counts as a deductible expense. That’s where we come in.

We’re a proactive, CPA-led firm based in Austin, Texas and we partner with growth-focused entrepreneurs to eliminate chaos, create clarity, and turn financial data into real business power.

Here’s how we support you every step of the way:

  • We separate business and personal finances for good
    Whether you’re working from a single checking account or swiping one credit card for everything, we help you implement the right structure and stay consistent, protecting your tax position and your legal liability.

  • We clean up and automate your QuickBooks Online
    Forget about falling behind or coding expenses manually. Our team will help you set up cloud-based bookkeeping systems and integrations that run in the background so your books are always accurate and up-to-date.

  • We keep you compliant across payroll, sales tax, and state filings
    From Form 941s to franchise taxes, we ensure your filings are correct, your deadlines are met, and your business stays out of IRS trouble. Compliance isn’t a “nice to have”. It’s a must-have, and we handle it all.

  • We optimize every tax deduction, compensation model, and cash flow strategy
    We don’t just record what’s happening, we show you how to do it better. Our CPAs will help you structure owner pay, plan for quarterly tax payments, and take full advantage of deductions like Section 179, the Augusta Rule, and QBID.

  • We deliver audit-ready financials that unlock real business growth
    Want to apply for a loan, secure investors, or plan for an exit? Clean, accurate financials are non-negotiable. We help you build the kind of reporting that opens doors and makes strategic decisions easier.

Whether you’re searching for a small business CPA in Austin, a certified public accountant near you, or Austin accounting services that actually understand entrepreneurship, we’re here to build the right system for your business and keep it running smoothly all year long.

Let’s Fix It Together

If your business and personal expenses are mixed, or your books are keeping you up at night, this is your moment to stop guessing and start taking control.

With Insogna CPA, you’ll:

  • Open and structure the right business bank accounts

  • Implement smart, cloud-based bookkeeping systems

  • Keep clean, audit-proof financial records

  • Lower your tax liability legally and confidently

  • Gain the financial clarity to make faster, better business decisions

You run the business. We’ll handle the numbers and make sure every single one works in your favor.

Schedule your consultation today with Insogna CPA. Your trusted Austin, TX accountant, certified CPA, and year-round partner in tax, compliance, and strategic growth.

Let’s stop playing cleanup. Let’s build the financial system your business actually needs and deserves.

..

5 Reasons QuickBooks Alone Won’t Save You from Tax Headaches

2 6

Summary of What This Blog Covers:

  • Explains why QuickBooks alone isn’t enough to manage tax strategy or compliance
    Shows how relying solely on QuickBooks for financial management can lead to costly errors, missed deductions, and avoidable tax liabilities.

  • Highlights the risks of incorrect setup and missed deductions without CPA oversight
    Details how poor QuickBooks configurations and lack of expert review often result in inaccurate reports, misclassified transactions, and overlooked tax-saving opportunities.

  • Reveals how QuickBooks falls short on forecasting, payroll compliance, and strategic planning
    Breaks down the limitations of software when it comes to estimating taxes, managing multi-state payroll, or guiding long-term financial decisions.

  • Outlines how Insogna CPA bridges the gap with full-service accounting and tax expertise
    Introduces Insogna CPA as a proactive Austin-based firm offering year-round QuickBooks optimization, tax planning, and strategic support tailored to small business needs.

You’ve got QuickBooks Online. You’re categorizing transactions, tracking revenue, maybe even reconciling bank accounts once a month. You’re feeling pretty good about where things stand.

But here’s the question no one wants to ask until it’s too late: Is that enough?

If you’re a small business owner using QuickBooks and thinking that means your finances are “handled,” you’re not alone. But you’re likely wrong.

Don’t get us wrong: QuickBooks is a great tool. It’s user-friendly. It’s scalable. It’s brilliant at capturing your day-to-day financial activity. But it’s not a tax strategy. It’s not a business advisor. And it’s certainly not your defense line during an audit.

At Insogna CPA, a full-service Austin accounting firm serving small business owners and entrepreneurs nationwide, we see the same thing every tax season: business owners who trust QuickBooks to manage it all, only to find themselves scrambling at tax time with incorrect reports, missed deductions, and growing anxiety.

So let’s talk. Here are five critical reasons QuickBooks alone won’t protect you from tax headaches and what you can do to fix it.

1. QuickBooks Won’t Find You Tax-Saving Opportunities

QuickBooks tracks your money. But it doesn’t tell you what to do with your money or how to save it.

Here’s what QuickBooks won’t do:

  • Suggest changing your entity structure to save on self-employment tax

  • Recommend contributing to a SEP IRA to reduce taxable income

  • Flag that the Qualified Business Income Deduction (QBID) could save you up to 20%

  • Help you time purchases to leverage Section 179 depreciation

  • Suggest that you leverage the Augusta Rule to rent your home to your business tax-free

These are real tax strategies, not automated calculations.

When you work with a CPA in Austin, Texas, you’re not just plugging in numbers. You’re building a customized, compliant, forward-thinking tax plan. Our CPAs look at your QuickBooks data through a strategic lens, turning transactions into tax moves that actually keep money in your business.

2. Incorrect Setup = Bad Data = Bad Decisions

QuickBooks is only as good as its setup and setup mistakes are more common than you think.

Let’s break down just a few of the issues we see regularly in QuickBooks files:

  • Chart of accounts built from a template, not customized to your business

  • Expense categories misused or inconsistently applied

  • Business and personal expenses mixed together (big IRS red flag)

  • Duplicate entries due to improper syncing with Stripe or PayPal

  • No account receivable or payable tracking, leading to incorrect cash flow projections

  • Sales tax miscalculations due to outdated rates or wrong nexus rules

These issues mean your reports are unreliable. And unreliable reports lead to bad financial decisions, inaccurate tax filings, and missed planning opportunities.

A QuickBooks Online accountant or CPA near you will make sure your file is structured properly, synced accurately, and built for your business model. This is especially important if you work with multiple revenue streams, run inventory, manage payroll, or sell across state lines.

3. QuickBooks Doesn’t Remind You to Claim Deductions

QuickBooks is great at recording your transactions but it doesn’t distinguish between what’s tax-deductible, what needs to be capitalized, or how to handle depreciation.

It won’t tap you on the shoulder and say:

  • “Hey, don’t forget to deduct business mileage at 5 cents per mile for 2025.”

  • “That home office you’ve used all year? You can claim it using the Simplified Method or the Actual Expense Method.”

  • “That new equipment you bought qualifies for Section 179 or Bonus Depreciation and you could write off a huge chunk of it this year.”

  • “Those startup costs you racked up before you officially launched? You can still deduct them.”

  • “Maxing out your Solo 401(k) or SEP IRA could lower your taxable income significantly.”

  • “Your payroll setup might be costing you more in taxes than it should. Time for a review.”

QuickBooks won’t flag missed opportunities or guide you through complex deduction rules but a tax advisor near you or a certified public accountant in Austin will.

Here’s the bottom line: If you’re relying on QuickBooks to manage your tax position, you’re likely missing money and increasing risk. A licensed CPA helps you claim what’s yours and avoid what won’t hold up under scrutiny.

4. Payroll and Sales Tax Compliance Isn’t Guaranteed

QuickBooks has great payroll and sales tax features but it’s not perfect, and it doesn’t replace oversight.

We’ve helped clients who were:

  • Filing payroll under the wrong state account

  • Issuing W-2s to contractors instead of 1099s

  • Missing quarterly payroll tax deposits, incurring penalties

  • Undercharging sales tax in certain states due to incorrect nexus setup

  • Using outdated sales tax rates or relying on default QuickBooks settings

These errors are expensive. The IRS and state agencies don’t care that it was “a software issue.” They’ll charge penalties, interest, and even trigger audits for what could’ve been a simple compliance tweak.

At Insogna CPA, we help small business owners configure their payroll and sales tax settings the right way, ensure proper classification of employees and contractors, and keep every filing timely and compliant. No surprises. No penalties.

Looking for tax services near you that actually keep up with compliance? That’s us.

5. QuickBooks Can’t Forecast, Advise, or Strategize

QuickBooks is great at showing you what happened last month. But what about:

  • How much to set aside for Q3 estimated taxes?

  • Whether your business can support hiring a new employee next quarter?

  • When it’s smart to prepay expenses or defer income to optimize your tax position?

  • Whether converting to an S Corp makes sense this year?

  • If you should invest in real estate for tax benefits?

Software doesn’t do this. A CPA certified public accountant does.

QuickBooks will never proactively say, “Hey, you’re about to hit a tax bracket threshold. Let’s talk.” But your Austin, TX accountant will.

A CPA firm in Austin, Texas helps you look forward, build forecasts, and make decisions based on real-time tax liability projections not just historical data. That’s how businesses scale smartly, confidently, and sustainably.

Bonus: What QuickBooks Definitely Can’t Do

To be crystal clear: QuickBooks can’t

  • File your FBAR for foreign bank accounts

  • Represent you during an IRS audit

  • Build a retirement plan tailored to your business

  • Handle multi-entity planning or income splitting

  • Prepare for business acquisition or exit tax strategies

  • File state-specific returns, handle franchise tax, or guide SALT compliance

  • Reorganize your chart of accounts mid-year without losing track of your tax data

These are the things we do for our clients every week—as their tax consultant, bookkeeper, and strategic partner rolled into one.

When business owners search for “accountants near them” or “tax preparation services near them,” what they really need is someone to own the details, fix the problems, and map the future.

That’s what we do at Insogna CPA.

Why Work With Insogna CPA?

We’re not just another option in your “tax places near me” search.

We’re a concierge-level Austin accounting service built for entrepreneurs who want:

  • Expert QuickBooks setup, cleanup, and ongoing support

  • Proactive, year-round tax planning not just filing

  • Integrated bookkeeping and accounting

  • Audit protection and IRS correspondence handling

  • Custom strategy sessions from actual chartered professional accountants

We don’t disappear after April 15. We’re in your corner all year.

Whether you’re a digital marketer, eCommerce seller, consultant, real estate investor, or startup founder, we’ll align your books, tax strategy, and long-term vision all under one roof.

Let’s Fix the Gap Between QuickBooks and Strategy

QuickBooks isn’t your accountant. It’s your ledger.

You still need a licensed CPA to:

  • Interpret the numbers

  • Build the strategy

  • File the returns

  • Avoid the penalties

  • Maximize the opportunities

If you’re ready to stop wondering, guessing, or overpaying, it’s time to pair your tech stack with true CPA expertise.

Book a free consultation with Insogna CPA, your trusted Austin tax accountant, certified CPA near you, and proactive partner in your financial growth.

We’ll help QuickBooks do what it does best while we handle the rest.

..

How to Set Up QuickBooks the Right Way (And Avoid a Year-End Accounting Nightmare)

2 5

Summary of What This Blog Covers:

  • Explains how to properly set up QuickBooks Online for small business success
    Guides business owners step-by-step through choosing the right QuickBooks plan, creating a tax-optimized Chart of Accounts, syncing bank accounts, and avoiding common configuration mistakes.

  • Covers essential automation features to save time and increase accuracy
    Breaks down how to automate invoicing, payments, and receipt tracking within QuickBooks to streamline daily operations and keep financials audit-ready.

  • Details the importance of monthly reconciliation and reporting for tax prep and decision-making
    Emphasizes how accurate reconciliations and custom reports like the Profit & Loss, Balance Sheet, and Cash Flow Statement help business owners stay informed and ready for tax season.

  • Shows how Insogna CPA provides expert support for setup, cleanup, and long-term accounting health
    Highlights how working with a trusted CPA firm in Austin, Texas ensures QuickBooks is not only set up correctly but also integrated with tax planning, compliance, and real-time bookkeeping.

Let’s paint a picture.

You finally signed up for Intuit QuickBooks Online, feeling confident and empowered. You’re done winging it. You’re ready to automate your bookkeeping, finally stop tracking expenses in that “temporary” spreadsheet, and impress your CPA in Austin, Texas with clean reports this tax season.

That’s the dream. But here’s the reality…

QuickBooks doesn’t do the work for you, it just gives you the tools. And like any tool, it’s only as good as how you set it up and use it.

If it’s not configured correctly from day one, you’ll end up with:

  • Duplicated income

  • Misclassified expenses

  • Missing transactions

  • Inaccurate balances

  • And worst of all? Missed tax deductions

If this sounds familiar, you’re in good company and in the right place.

At Insogna CPA, a top-rated Austin accounting firm, we’ve helped hundreds of entrepreneurs clean up messy QuickBooks files, reclaim thousands in missed deductions, and build seamless systems that save time, money, and sanity.

Let’s break down how to set up QuickBooks the right way and avoid the pain, panic, and penalties that come from doing it wrong.

Step 1: Pick the Right QuickBooks Plan for Your Business

This is where most people get it wrong from the start.

QuickBooks offers several plans. Choosing the wrong one will either leave you overpaying for tools you don’t use or struggling without the features you need.

Here’s a breakdown:

  • Simple Start – Great for solo entrepreneurs or freelancers who just need basic income/expense tracking.

  • Essentials – Adds bill management, accounts payable, and multi-user access. Good for growing teams.

  • Plus – Includes inventory tracking, time tracking, and project profitability reporting. Ideal for product-based or service-based businesses with contractors.

  • Advanced – Built for established teams needing advanced analytics, automation, and enhanced reporting.

Choosing a plan depends on where you are now and where you’re headed. Working with a small business CPA in Austin ensures you select the plan that scales with your goals, not one that restricts your growth.

Step 2: Set Up Your Chart of Accounts Correctly (or Pay Later)

Your Chart of Accounts (COA) is the framework for how every transaction gets categorized.

Get this wrong, and your reports will be inaccurate, your tax accountant near you will be frustrated, and your ability to make financial decisions will be limited.

Every business COA should track:

  • Revenue – Broken down by product or service type

  • Cost of Goods Sold (COGS) – For product-based businesses

  • Operating Expenses – Like rent, marketing, payroll, subscriptions

  • Assets – Cash, receivables, equipment

  • Liabilities – Loans, credit cards, taxes payable

  • Equity – Owner contributions, draws, retained earnings

Each line should be tailored to your specific business model, not some cookie-cutter setup.

Working with a licensed CPA or QuickBooks Online accountant ensures your COA reflects your financial strategy, entity structure, and industry best practices.

Step 3: Sync Bank & Credit Card Accounts But Do It the Right Way

Manual entry is so last decade. One of QuickBooks’ best features is bank feeds: the ability to automatically pull in transactions from your bank and credit cards.

But syncing accounts improperly (or without review) leads to:

  • Duplicate entries

  • Unmatched transactions

  • Misleading financials

Best practices for syncing accounts:

  • Connect only business accounts, never mix personal with business

  • Review and categorize transactions weekly

  • Create bank rules for recurring transactions

  • Set reminders to reconcile monthly

Not sure if your sync is secure? Our Austin, TX accountants can help ensure your accounts are connected safely, cleanly, and accurately.

Step 4: Automate Invoicing, Payments & Receipts

If you’re still manually invoicing clients or tracking receipts in your email inbox, it’s time to level up.

QuickBooks lets you:

  • Create recurring invoices

  • Set up automated payment reminders

  • Accept credit card and ACH payments online

  • Use the receipt capture tool in the mobile app

This improves cash flow, reduces missed revenue, and keeps you IRS-compliant.

Our clients using QuickBooks Online + Dext or Hubdoc never lose a receipt, never forget to bill a client, and never spend hours reconciling transactions at tax time.

Automating this with your Austin tax advisor means your system is smart, strategic, and fully audit-ready.

Step 5: Reconcile Every Single Month

Reconciliation is the process of making sure your books match your bank and credit card statements to the penny.

Failing to reconcile leads to:

  • Duplicated income

  • Missing expenses

  • Inaccurate cash flow

  • Costly IRS errors

How to reconcile:

  1. Go to the Banking tab > Reconcile

  2. Select an account

  3. Match each transaction to your bank statement

  4. Fix any discrepancies

  5. Finalize and lock

If this feels overwhelming, hire a bookkeeping service near you to manage it weekly. You’ll sleep better at night and your CPA firm in Austin, Texas will thank you.

Step 6: Customize & Actually Use Your Reports

QuickBooks offers over 50+ built-in reports. But the three that matter most to business owners are:

1. Profit & Loss (P&L)

Shows income and expenses over time—aka, are you actually making money?

2. Balance Sheet

A snapshot of assets, liabilities, and equity—your company’s overall health.

3. Cash Flow Statement

The truth-teller. Shows actual inflows and outflows of cash, regardless of income timing.

QuickBooks lets you customize reports by class, product, service, location, and customer, if you know how to use it.

If you don’t? That’s what your CPA-certified public accountant near you is here for. We help you interpret these reports and use them to make smart hiring, pricing, and growth decisions.

What Happens When You Set It Up Wrong?

Let’s be blunt: a bad QuickBooks setup can cost you thousands.

Here are real scenarios we’ve helped fix:

  • A startup over-reported revenue by $37,000 due to duplicated Stripe deposits

  • A contractor failed to issue 1099s and got flagged by the IRS for misclassification

  • A consultant missed over $12,000 in deductions because expenses were coded to “Uncategorized”

  • A retailer had incorrect inventory balances from outdated COGS rules

And it always happens at the worst time. Right before you file taxes, apply for a loan, or bring on investors.

Don’t let “QuickBooks cleanup” become an annual event.

How Insogna CPA Fixes (and Optimizes) QuickBooks for Real Results

We’re more than just another tax preparer near you. We’re a full-service Austin accounting firm that builds end-to-end financial systems.

Here’s what we do for QuickBooks users:

  • Set up (or clean up) your QuickBooks Online file

  • Customize your chart of accounts

  • Create expense rules, reporting dashboards, and tax-saving categories

  • Sync third-party tools (like Stripe, Gusto, Shopify, or PayPal)

  • Provide real-time bookkeeping + CPA oversight

  • Align your reporting with FBAR filing, estimated taxes, and business goals

Whether you need a monthly bookkeeping service near you, a fractional accountant tax expert, or a team that handles it all, we’ve got you.

Why QuickBooks Alone Isn’t Enough

QuickBooks is powerful. But it’s not perfect. It can’t think like a certified CPA. It can’t build your tax strategy. And it definitely can’t defend your records in an audit.

That’s why pairing QuickBooks with a trusted CPA in Austin, Texas is the real win.

You get:

  • Automated bookkeeping

  • Real-time visibility

  • Proactive tax planning

  • Clean year-end financials

  • Strategic reporting insights

All wrapped up in one smart system.

Ready to Set Up QuickBooks the Right Way?

Don’t wait until tax season to realize your books are a mess.

Let Insogna CPA, one of the most trusted CPA firms in Austin, Texas, help you:

  • Set up or fix your QuickBooks Online

  • Automate your systems

  • Integrate tax strategy

  • Eliminate year-end accounting stress

  • Get expert support from certified public accountants, enrolled agents, and QuickBooks pros

Book your free consultation today.
 You run the business. We’ll keep your numbers clean, clear, and tax-smart.

..

The Right Way to Track Business Expenses: What’s Deductible, What’s Not & Common Mistakes

4 3

Summary of What This Blog Covers:
● Covers what business expenses are actually tax-deductible
Breaks down key categories like home office, travel, software, marketing, and payroll so you can confidently track and claim legitimate tax deductions.

● Explains what you can’t deduct and why
Clarifies common misconceptions about personal expenses, entertainment, clothing, and commuting that could lead to IRS issues if misclassified.

● Highlights the most common expense tracking mistakes
Identifies avoidable errors like mixing personal and business finances, not saving receipts, and waiting until tax season to organize your records.

● Details how Insogna CPA builds automated, CPA-led systems
Describes how our Austin CPA firm simplifies expense tracking, improves tax planning, and keeps businesses audit-ready and financially strategic year-round.
Running a business is expensive. You’re paying vendors, onboarding contractors, covering subscriptions, investing in marketing, keeping the lights on, and possibly wondering how your Uber charges tripled this month.
But here’s the silver lining: a lot of those expenses are tax-deductible. If you track them the right way, you could slash your tax bill, keep more money in the business, and avoid nasty surprises from the IRS.
The problem? Most entrepreneurs either aren’t tracking expenses correctly, or worse, they don’t track at all.
And when tax season hits, they’re stuck searching for a “tax preparer near me” or panicking about what counts, what doesn’t, and whether they’re about to be penalized for guessing.
At Insogna CPA, a top-tier Austin CPA firm, we work with business owners across industries to create real-time, audit-proof, stress-free systems for tracking and managing expenses. This blog lays out everything you need to know to clean up your records, maximize your deductions, and finally feel confident when tax time rolls around.
Why Expense Tracking Matters More Than You Think
Let’s start with the fundamentals.
Your expense tracking isn’t just for taxes. It impacts:
● Your cash flow

● Your profit margin

● Your ability to make decisions

● Your investor or loan-readiness

● Your compliance with IRS rules

Every dollar you track (accurately) is a dollar you might not have to pay taxes on. And every expense that’s not properly categorized could trigger red flags with your tax advisor near you or, worse, the IRS.
A well-built expense tracking system helps you:
● Reduce taxable income

● Identify overspending

● Project future budgets

● Maintain cleaner financial statements

● Simplify year-end tax prep for your certified public accountant near you

Yet many businesses don’t realize that expense tracking is the foundation of good tax planning, not something you fix in March.
What Counts as a Deductible Business Expense?
If you’ve ever asked, “Can I deduct this?” the answer depends on one word: intent.
The IRS allows deductions for any ordinary and necessary expenses related to operating your business. That’s intentionally vague and where smart tracking and expert guidance comes in.
Let’s walk through some categories you should be monitoring:
1. Home Office Expenses
With more businesses operating remotely than ever, home office deductions are back in the spotlight.
You can deduct:
● A percentage of your rent or mortgage (based on square footage)

● Utilities like electricity, internet, and insurance

● Repairs and maintenance (for the home office area only)

● Office furniture, computers, desks, printers, etc.

Important caveat: The space must be used exclusively for business. Not part-time, not your dining table, not the guest room that doubles as a yoga studio.
Work with an Austin TX accountant to make sure you’re calculating your deduction correctly using either the simplified method or the actual expense method.
2. Business Travel and Meals
Traveling for business? Attending a conference? Taking a client out for lunch? These may all be partially deductible but you need to know the rules.
Deductible items include:
● Airfare, hotels, car rentals

● Taxis, rideshare apps, tolls, parking

● 50% of meals with clients, partners, or during travel

Tip: Business meals must be “ordinary, necessary, and directly related” to your business. Document the who, where, and why for each.
Not deductible: Entertainment expenses (sporting events, concerts, club memberships) were eliminated under the 2017 Tax Cuts and Jobs Act.
3. Marketing and Advertising
You’re investing to grow, and the IRS considers that fair game.
Fully deductible expenses include:
● Facebook, Google, LinkedIn ads

● Website hosting, development, SEO

● Branding and graphic design

● Email marketing platforms like Mailchimp or ConvertKit

● Print materials, trade shows, sponsorships

Don’t forget to document any freelance or agency support with contracts and invoices. Your CPA office near you will thank you for it later.
4. Software and Subscriptions
It may not feel like much month to month, but all those SaaS tools add up and they’re 100% deductible.
Track:
● Accounting platforms (QuickBooks, Xero)

● Zoom, Slack, G Suite, Office 365

● Project management tools (Asana, ClickUp, Monday.com)

● E-signature tools (DocuSign, HelloSign)

● CRM software (HubSpot, Salesforce)

You’d be surprised how many business owners forget to record their annual renewals. These are easy wins when reviewed with your Austin tax accountant.
5. Payroll and Contractor Costs
If you pay people to help you run your business, those costs are deductible but you need to classify them correctly.
Deductible costs include:
● Salaries and wages

● Employer-paid payroll taxes

● Health insurance and benefits

● Payments to freelancers or independent contractors

Watch out: Misclassifying W-2 employees as 1099 contractors can trigger audits and back taxes. Always check classification rules with a certified CPA near you or enrolled agent.
6. Vehicle Use and Mileage
If you use a personal or business-owned vehicle for work purposes, you can deduct vehicle expenses using one of two IRS-approved methods:
● Standard mileage rate — 67 cents per mile for business use in 2025 (per IRS guidelines)

● Actual expense method — includes fuel, maintenance, insurance, registration, and depreciation

You must choose one method per vehicle, per tax year, and you need to consistently track your business mileage throughout the year.
What You Can’t Deduct (Even if You Think It’s “Business-ish”)
We’ve heard them all. Unfortunately, the following don’t count:
● Personal Netflix, Spotify, or streaming services

● Clothing (unless it’s branded uniforms used exclusively for work)

● Commuting from home to a regular office

● Client entertainment (post-2017 tax reform)

● Late payment penalties or traffic tickets

A good rule of thumb? If you’re stretching to justify it, call your tax advisor in Austin first.
Common Mistakes We See And How to Avoid Them
Even entrepreneurs with the best intentions fall into common traps. Here are the expense tracking errors we correct most often for clients:
1. Mixing Business and Personal Spending
Using one bank account for both = audit risk. Open a separate business account and dedicate a credit card for work-related purchases.
2. Not Saving Receipts
The IRS requires substantiation for many deductions. Snap photos, upload PDFs, and store everything digitally.
3. Waiting Until Tax Season
Organizing a year’s worth of expenses in Q1 is inefficient, overwhelming, and almost guarantees missed deductions. Track in real time.
4. Ignoring Small Expenses
A $9 Canva charge here, a $12 client coffee there—it adds up. Don’t discount low-dollar items.
5. Misclassifying Workers
Use Form W-9 for independent contractors. File 1099s. Keep payroll clean. When in doubt, your CPA firm in Austin Texas can help.
Why Clean Expense Tracking Is the Foundation of Tax Strategy
Here’s the bigger picture:
If your books aren’t accurate, your tax accountant near you can’t do their job properly. They’re stuck cleaning up reports instead of finding tax-saving opportunities.
Solid, proactive expense tracking helps your CPA:
● Strategize entity changes (e.g. LLC to S-Corp)

● Maximize retirement contributions

● Optimize depreciation schedules

● Avoid underpayment penalties

● Identify R&D tax credits and FBAR filing requirements

Your CPA-certified public accountant isn’t just a form-filer. They’re a strategist. But they can only advise based on clean, timely data and that starts with your expenses.
How Insogna CPA Makes Expense Tracking Effortless
You don’t need to become a bookkeeper. You need a system and a partner that handles it for you.
At Insogna CPA, our team of Austin TX accountants, chartered public accountants, and enrolled agents builds proactive, automated systems that:
● Integrate QuickBooks Online

● Track receipts, invoices, and payments in real time

● Categorize expenses correctly from day one

● Reconcile accounts weekly

● Coordinate seamlessly with tax planning

We go beyond typical tax preparation services near you. Our clients receive:
● Concierge-level financial oversight

● Strategic advisory built into every interaction

● Year-round support not seasonal chaos

Whether you’re an eCommerce founder, creative agency, real estate investor, or consultant, we tailor the process to your business model.
You Deserve More Than a Spreadsheet and Guesswork
If you’re relying on a mix of apps, memory, and good intentions to track expenses, it’s time for a change.
Your expenses are the foundation of your tax strategy, and your tax strategy is the backbone of your business’s financial health. Don’t treat it like a side project.
Ready to Track Smarter, Save More, and Stress Less?
Schedule a free consultation with Insogna CPA, one of the leading Austin accounting firms specializing in CPA-led bookkeeping, tax strategy, and full-service accounting for growth-minded business owners.
Let’s stop guessing. Let’s track smarter.
Let’s turn your expenses into strategy.
You focus on scaling. We’ll protect your bottom line.

..