Barbara J Miller CPA


ADVISORY SERVICES



We offer value added services that help you structure and manage your business to its best advantage. We help new businesses get off the ground and provide objective assessments of existing ones. We help you establish policies and procedures to protect vital assets to ensure the integrity of your records. You reap the benefit of increased efficiency, control, and insight.



NEW BUSINESS FORMATION



Are you thinking of joining the ranks of small business owners? Along with a great idea and strong sense of the market you will serve, you will need a business and financial advisor who can help your dream take flight while keeping your feet firmly planted on the ground.


We can help you:

• Develop or refine your business plan with the associated pro forma financial statements (Balance Sheet, Income Statement) and budget

• Select a business structure that suits your needs by considering tax advantages, legal exposure, ease of operation, and portability

• Develop partnership agreements, as needed, to avoid financial and/or emotional trauma downstream

• Prepare and file all required state and local licenses and permits.

• Make application for your Federal Employer Identification Number.

• Identify start-up capital needs and available resources to address them

• Examine your borrowing power and provide coaching on how to cultivate a mutually beneficial banking relationship

• Identify your business insurance needs

• Select the right accounting software and establish the appropriate chart of accounts

• Establish billing and collection procedures to maximize your cash flow

• Establish procedures to monitor and control costs

• Provide payroll and payroll tax filing when and if you hire employees


We are eager to get your business off to a good start.



BANK FINANCING



We can help your business obtain the money needed to grow by assisting you with all phases of obtaining bank financing. Applying for a business loan without adequate preparation may send a clear message to the lender that you could be a high-risk borrower. Make sure you are prepared and organized in your approach to obtaining financing, so your business has the greatest chance of getting the money it needs. Put your best foot forward by allowing us to prepare a loan proposal that will work for you. Our proposals have a high likelihood of success because they are created from the lender's perspective. You get the money you need because we know exactly what banks want to see, which is proof you will be able to repay the loan. We compile loan proposals that show the bank your needs are genuine, and your plan will work. In addition to helping your business prepare to obtain financing, we can evaluate offers received from lenders to determine which offer is the best one for your business. If you would like to learn more about how we can help your business navigate the bank financing process give us a call.



AUDITS, REVIEWS, and COMPILATIONS



We offer two levels of assessment of your financial statements based on your company’s needs:

• A review is a more limited investigation to provide some level of assurance that material modifications to the financial statements need not be applied. Testing primarily consists of high- level examination, year-over-year comparison, inquiry, and analysis. It does not examine back-up data to substantiate the financial data. A review may suffice for selected outside interests.

• A compilation presents client-supplied data in financial statement format. No assurance is provided by the accountant as no testing, inquiry, or analytical procedures are performed. This service typically serves an internal audience.


Contact us to discuss your needs for financial statement assessment.




Barbara J Miller CPA, PC



132 Stage Rd. Monroe, NY 10950


Call us: 845-783-4566


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