Bloss Financial Services
Filed late
Their last pro was too busy.
Your Accounting Department — Built Around You
No handoffs. No guesswork. Just one trusted partner for your books, payroll, and taxes — with answers, not auto-replies.
⭐ Trusted by business owners across industries — 5-star rated on Upwork
Why Businesses Choose Bloss Financial
Unfixed errors
Issues lingered for years.
No replies
Waiting days for answers.
No review
Returns filed without book checks.
Personally reviewed
Every return, every time.
Year-round access
Email & text for quick questions.
Fast responses
Proactive updates you can trust.
Clarity
Understand what’s happening & why.
What Does a Free Diagnostic Look Like?
Finding issues that others miss — and showing you what they are and how to fix them.
Delivered within 48–72 hours after access is granted.
QuickBooks Certifications
Certified in the tools your business already uses.
Client Testimonials
Short, verified quotes from clients and references.
CPA thank-you letter · State tax return
Kelly located a carry forward credit that the PA Department of Revenue had lost and continued to follow up until it was applied to my client's return quickly and accurately.
★★★★★
Consistent attention to detail and timely communication kept AR/AP flowing smoothly. Highly recommend.
Construction & investment · View image
★★★★★
Knowledgeable, ethical, communicative, and trustworthy. Strongly recommend.
Construction · View image
★★★★★
Thanks for sticking with this long client onboarding process.
Real estate investment · Sage 50 year-end + migration to QBO
★★★★★
Hi Kelly! You are a rockstar.
Community wellness clinic · QBO cleanup for 2023
★★★★★
New roofing company: initial QuickBooks Online setup and ongoing hourly accounting support.
Roofing / construction
Kelly has been doing my individual taxes for the last few years. I had no idea my summer landscaping work was technically a business. She proved how much it would save me at tax time having a small business with full time W-2 work. I have been saving receipts ever since.
Landscaping · Individual → business tax & bookkeeping
2025 Year End Package
Get Clean Books, Financial Clarity & Tax Filing — All In One
Customizable year-end package for any revenue size.
A complete year-end solution designed to close the year correctly, understand what the numbers actually mean, and file with confidence.
This package is fully customizable based on the condition and complexity of your books.
What’s Included in the Base Year‑End Package
The base package covers the essential work required for an accurate, defensible, and compliant year‑end.
1) Clean Books
Year‑End Cleanup & Close
This phase ensures the books are accurate and complete before analysis or tax filing begins.
INCLUDED
- Year‑end cleanup of the general ledger as required
- Bank and credit card reconciliations
- Year‑end adjusting entries
- Tie‑out of accounts necessary for accurate reporting
- Closed books for the year
This is due‑diligence level cleanup appropriate for year‑end close. It does not include forensic reconstruction.
Outcome: Books that are clean, accurate, and ready for review.
2) Financial Clarity
Year in Review
Once the books are clean, the focus shifts from fixing to understanding.
INCLUDED
- Final Profit and Loss, Balance Sheet, and Cash Flow Statement
- Written year‑in‑review analysis
- Explanation of key drivers, trends, and changes
- Identification of risks or issues to monitor going forward
This answers the question: What actually happened this year, and why?
Outcome: Clear financial insight you can understand and use.
3) Tax Prep & Filing
Tax filing is the final step and is completed using books that have already been reviewed and validated.
INCLUDED
- Business and individual tax preparation, as applicable
- Federal, state, and local filings
- Depreciation schedules included
- Alignment between financials and tax reporting
- Year‑round answers to tax questions related to the filed return
Outcome: Returns filed correctly the first time, with fewer questions and delays.
Customize Your Year‑End Package
Add‑ons for unique complexity. Added only if needed.
Extra Accounts
More than 4 bank/credit accounts.
Payroll W‑2/1099
Year‑end forms & submissions.
Additional Tax Return Years
Prepare and file extra tax years.
Forensic Cleanup — Current Year
Deep dive to fix complex issues.
Forensic Cleanup — Prior Years
Cleanup prior‑year books; historical corrections & tie‑outs.
Sales Tax / State Compliance
Review, reconciliation, and filing support.
Add‑ons are scoped based on actual complexity, not assumptions.
Not sure what applies? If you’re unsure whether your books require only standard year‑end cleanup or additional forensic work, I’ll review the file and explain what’s required before any work begins.
Referral Discount
Refer a client and you both save on service.
- Individual tax client: you both get $25 off a service.
- Business client: you both get $50 off a service.
Ready to reserve your year‑end package?
Book a free diagnostic or schedule your year‑end package today.
In‑House Accountant Service
This is end‑to‑end financial support for business owners who want their accounting handled correctly, consistently, and in context.
It’s everything an accounting department would do in house — and more — fully customized to your needs.
Full Service Offerings
Bookkeeping & Monthly Close
- Ongoing transaction review and coding oversight
- Monthly bank and credit card reconciliations
- Month-end close procedures
- Balance sheet review for accuracy and consistency
- Monthly financial statements
- Profit and Loss, Balance Sheet, Cash Flow
This reflects steady‑state accounting, not backlog correction.
Systems, Setup & Optimization
- Ongoing system health monitoring
- Workflow and process optimization
- Chart of accounts maintenance and refinement
- Accounting software management
- Automation support and documentation
- Internal controls and SOP alignment
This is operational accounting infrastructure, not cleanup.
Payroll Administration & Compliance
- Payroll processing oversight
- Multi‑state payroll coordination
- Benefits and deductions coordination
- Payroll compliance calendar management
- W‑2 and 1099 tracking and filing
- Union payroll support when applicable
Payroll is managed as a controlled process, not a reactive fix.
Tax Preparation & Ongoing Tax Compliance
- Business and individual tax preparation
- Federal, state, and local filings
- Estimated tax planning support
- Year‑end tax review and optimization
- Alignment between accounting records and tax filings
Tax work is integrated into the accounting cycle.
Advisory & Financial Oversight
- Monthly or quarterly financial check‑ins
- Financial statement interpretation and guidance
- Cash flow and budgeting support
- Owner compensation planning
- Proactive communication and issue escalation
Advisory is part of the role, not an add‑on.
Reporting & Decision Support
- Management reporting as needed
- KPI and dashboard support
- Trend analysis and variance review
- Support for lender, CPA, or investor questions
Reporting supports decisions, not just compliance.
What Changes as You Grow
It’s a full‑service, in‑house accountant function that handles everything — and it scales as your business scales. Your scope is fully customizable based on volume, complexity, and how hands‑on you need support to be.
The packages below show a typical range for full service. If you need more or less, your package adjusts accordingly.
Full‑Service Accounting Packages
Example ranges for full service. Final scope is based on your actual books.
These businesses are typically owner operated with limited overhead, manageable transaction volume, and straightforward reporting needs. Operations are often lean, with the owner directly involved in all financial decisions.
Examples:
- Solo massage therapist
- Independent social media content creator
- Freelance marketer or consultant
- Small handmade goods seller
- Boutique book editor or micro publisher
- Solo photographer
- Independent tax preparer
- Small church plant
- Startup dog rescue
- Independent online course creator
- One truck owner operator
- Small landscaping side business
These businesses show consistent activity and typically operate full time. They may have limited contractor support or part time staff. Transaction volume increases, and reporting begins to matter more strategically.
Examples:
- Chiropractic practice with one provider
- Mental health therapist with steady client base
- Boutique bridal resale shop
- Growing online fashion brand
- T‑shirt printing company serving local sports teams
- Local mobile mechanic
- Small trucking company with one to two trucks
- Independent esthetician with leased studio space
- Small bookkeeping firm
- Niche digital marketing agency
- Small church with active membership
At this level, businesses often have structured payroll, multiple vendors, and clearer operational systems. Owners are managing teams and beginning to rely on stronger financial oversight.
Examples:
- Small excavating contractor
- Manufacturing shop with production staff
- Established landscaping company with crews
- Veterinary clinic with support staff
- Boutique bridal retail store with inventory turnover
- Wellness clinic with multiple practitioners
- Boutique publishing company with recurring releases
- Multi‑vehicle trucking operation
- Growing fintech startup
- Regional screen printing company
- Established dog rescue with paid staff
These businesses are managing payroll complexity, vendor volume, inventory or job costing, and more detailed reporting. Financial visibility becomes critical to protect margins.
Examples:
- Regional construction subcontractor
- Specialty metal fabrication company
- Multi‑chair salon or spa
- Manufacturing brand producing fashion or apparel lines
- Transportation company with fleet operations
- Multi‑location wellness clinic
- Established bridal boutique with in‑house alterations
- Growing e‑commerce brand with national shipping
- Property management firm
- Mid‑sized nonprofit organization
- Commercial printing and apparel company
Companies in this range operate with significant transaction volume, layered staffing, and operational oversight needs. Internal controls, structured reporting, and margin monitoring become essential.
Examples:
- General contractor managing multiple projects
- Mid‑sized manufacturing plant
- Multi‑state trucking and logistics company
- Veterinary hospital
- Regional church organization
- Multi‑location beauty and wellness brand
- Commercial landscaping contractor
- Established fashion manufacturing company
- Sports apparel production company
- Private mental health practice group
- Boutique fintech company with scaling operations
These organizations typically operate across multiple entities, departments, or states. Financial reporting supports executive level decisions, long term growth strategy, and operational efficiency.
Examples:
- Large construction and development firm
- Multi‑entity real estate holding group
- Advanced manufacturing operation
- National transportation or logistics provider
- Multi‑campus healthcare or wellness organization
- Large scale nonprofit or foundation
- Established fashion brand with international production
- Franchise group
- Large commercial printing and apparel manufacturer
- Enterprise fintech company
- Regional distribution or wholesale operation
Accounting Cleanup & Catch‑Up Services
Cleanup is not a side offering. It is one of my core specialties.
Cleanup and catch‑up is where I specialize. I spot inconsistencies, patterns that don’t reconcile, and errors that quietly compound over time. What feels invisible or overwhelming becomes visible once the file is reviewed — and then it becomes fixable.
Catch‑Up & Correction Cleanup
For books that are behind but structurally sound
INCLUDES
- Systematic reconciliation to surface and resolve hidden discrepancies
- Transaction review and proper classification
- Correction of duplicate, missing, or mis‑posted entries
- Restored monthly financial statements that reflect reality
Outcome: Clean, current books you can rely on for day‑to‑day decisions.
Forensic Accounting Cleanup
For books with compounding errors or unresolved prior‑year problems
INCLUDES
- Deep diagnostic review with documented findings
- Isolation and resolution of structural balance sheet issues (equity, shareholder loans, payroll tie‑outs, WIP, clearing accounts)
- Historical corrections where balances no longer tie or make sense
- Clear documentation of what was wrong, what was fixed, and why
Outcome: Defensible financials that can be explained, supported, and trusted.
Year‑End Close & Tax‑Ready Cleanup
For a clean, confident handoff into tax filing or external review
INCLUDES
- Final year‑end adjustments and reconciliations
- Financial statements with written explanations
- Tie‑out support for tax preparers
- Review focused on accuracy, consistency, and supportability
Outcome: Tax‑ready books that reduce questions, delays, and surprises.
Ready to get clarity?
Book a free diagnostic and I’ll tell you what’s required before any work begins.
Resources & Education
Helpful tools, updates, and plain‑English guidance.
Follow us on Facebook
For guides, checklists, and helpful walkthrough videos including:
- How to check and claim unclaimed property
- Tax updates and article breakdowns
- Compliance reminders and deadlines
Latest posts & videos
Tax articles, guidance, and walkthroughs — posted regularly.
If the feed doesn’t load, open the page here.
IRS Tax Withholding Estimator
Use this official IRS tool to check W‑4 withholding and avoid surprises at tax time.
If your situation is complicated (multiple jobs, self‑employment, dependents, credits), I can help you set withholding and estimated payments correctly.
Want help applying any of this to your situation?
Book a free diagnostic and I’ll point you to the right next step.
Case Studies Coming soon
Direct proof of real work — anonymized examples.
Forensic Cleanup
13‑month cleanup; deep dive corrections and tie‑outs.
No Books → Back Taxes
Built financials from receipts/statements; depreciation + accountable plan; filed two years.
Advisory
Breakeven, budgeting, forecasting, margin & labor tracking.
Monthly Bookkeeping
Job costing plus AR/AP workflows and dashboards.
System Migration
Switch software while preserving historical records.
Manufacturing
Raw material + WIP valuations and margin analysis.
About Bloss Financial Services
A one‑person virtual accounting firm built for business owners who want clarity, structure, and clean books they can trust.
Why the dachshund logo?
If you’ve ever had the pleasure of having a dachshund, you know exactly what I mean when I say they put 100% of themselves into everything they do.
That’s a value I strive for — along with other qualities that are unmistakable in the breed. A business that handles sensitive financial information should operate with the same traits you see in dachshunds every day:
- Fiercely loyal — I build long‑term relationships and protect your interests, not just your “deliverables.”
- Protective by nature — I treat your financial data with care, discretion, and a security‑first mindset.
- Persistent problem‑solver — I don’t leave issues half‑fixed. I trace errors to the source and resolve them correctly.
- Detail‑oriented — patterns, inconsistencies, and small variances matter; that’s where the real problems hide.
- Confident and direct — clear communication, plain‑English explanations, and straightforward recommendations.
- Reliable routine — consistent processes, clean closes, and disciplined follow‑through so you always know where you stand.
The logo is also a tribute to Twix — my first dachshund, a chocolate dapple who was fiercely “dachshund” in every way.
About the company
Custom solutions for businesses of all sizes — built like an accounting department, without hiring one.
Bloss Financial Services is a one‑person virtual accounting firm serving businesses across the country. I bring custom solutions to businesses of all sizes because every owner deserves insight and reliable numbers to make decisions.
I have a passion for seeing small businesses grow and survive — watching people build the business of their dreams. That is exactly what I plan to do with my own business.
Someday, I want a local location in Erie, PA to serve local businesses face‑to‑face, while continuing to support clients remotely nationwide — bringing the values I believe should define financial services, which I display proudly through the dachshund logo and the way I work.
About Kelly Bloss
A one‑person firm — you work directly with me.
I was born in Misawa, Japan on a military base and grew up in Greene County, Pennsylvania. After high school, I moved to Erie, PA, where my family briefly lived after my father retired from the military and where our extended family is rooted.
I earned a Bachelor of Science in Accounting & Business Administration and a Bachelor of Arts in Communications from Edinboro University. I prepared taxes for individuals and small businesses directly after finishing college.
I then worked at Fiberglass Services Inc. (a water slide repair company), which allowed me to travel all over the country from 2012 until 2021 when the owner died and the business closed.
When I moved to Erie, I took a temporary role with the PA Department of Revenue in BETA (Bureau of Enforcement and Tax Assistance). After the season, I took a role with Performance Castings LLC, a small local metal foundry.
While pursuing these roles, I also took freelance work on the side — remotely — for small businesses in several industries doing cleanup work and ongoing monthly in‑house accountant services.
In June 2024 I started at Wm. T. Spaeder, a large mechanical contractor in Erie, PA, and have been there ever since working as a union payroll specialist while building my business into my dream: one day having a local location and serving Erie businesses as well as those I can work with remotely.
Side projects have included a bridal retail and e‑commerce store with a foreign manufacturing entity producing an in‑house brand, a book publisher, several construction companies (including roofing and excavation), and the Baltimore Outpatient Mental Health Center which needed a major cleanup.
I’m naturally inclined to find errors and I love helping businesses understand their financials, remove confusion, and use numbers to make better decisions.
Want to see how I work?
Start with a free diagnostic. You’ll get screenshots and a plain‑English write‑up so you know exactly what’s going on and what it will take to fix it.
Frequently Asked Questions
Click a question to expand.
Who is your ideal client?
I work best with business owners who value accurate financials, direct access to their accountant, and proactive oversight.
If you want your books correct, payroll reconciled, taxes filed properly, and reporting you can rely on, we will work well together.
If you are looking for the lowest possible price with minimal structure or oversight, I may not be the right fit.
Do I need a separate CPA, payroll company, and bookkeeper?
No.
I provide full bookkeeping, payroll oversight and corrections, and tax preparation services. Most clients do not need to coordinate multiple vendors or manage handoffs between providers.
If CPA sign-off is required for a specific filing or engagement, I coordinate that directly.
This structure is designed to function as your accounting department, built around you.
Do you handle payroll fully, including corrections?
Yes.
I oversee payroll accuracy, reconciliations, reporting, and correction of prior errors. This includes multi-state payroll when applicable.
If payroll filings or setups were mishandled previously, I review the situation, identify discrepancies, and guide corrective action.
You do not need to untangle payroll issues alone.
Do you prepare and file taxes?
Yes.
I prepare and file business and individual returns where appropriate. Financials are reviewed for accuracy before filing.
When structural opportunities exist, such as reimbursement strategies or entity considerations, I evaluate those as part of the process.
I am actively pursuing CPA licensure during 2026. If formal CPA sign-off is required for a specific engagement, I coordinate that directly.
Are you a large firm?
No. I operate as a single-person firm by design.
When you work with me, you work directly with me and my 15 years of hands-on accounting experience. You are not handed off to junior staff or routed through departments.
My experience was built through increasingly complex W2 roles in construction, manufacturing, payroll, and financial management, while simultaneously performing freelance and contract accounting work.
That combination created exposure across far more real-world situations than a single career track alone.
How does communication work if you are my accounting department?
It depends on your structure.
Some monthly clients create a dedicated company email address such as accounting@yourcompany.com. This allows me to fully manage accounting department communication, vendor coordination, and payroll correspondence under your company domain.
Other clients prefer I use my business email. In those cases, I clearly identify the role I am operating under in each email.
Example:
Kelly Bloss
Tax Compliance and Admin
Big League Shirts
Bloss Financial Services
Accountant / Owner
The goal is to build the right structure for your company, whether that means embedding directly into your communication flow or operating externally.
What industries do you work with?
I regularly support:
- Construction and specialty contractors
- Manufacturing and fabrication companies
- Trucking and transportation operations
- Beauty and wellness practices including chiropractors and mental health clinics
- Veterinary clinics
- Boutique bridal retail and fashion manufacturing brands
- Team sports apparel and printing companies
- Boutique book publishers
- Landscapers and service businesses
- Social media marketers and agencies
- Churches and nonprofits including dog rescues
- Fintech startups
If your business produces revenue and requires structured books, I can review it.
What software do you support?
I have worked with almost every major accounting and payroll platform in use today.
Accounting platforms include:
- QuickBooks Online and Desktop
- Sage 50, Sage 100, and Sage Intacct
- Xero
- NetSuite
- Wave
- FreshBooks
- Aplos
- P21
- Jonas Construction Enterprise
- And additional systems as required
Payroll platforms include:
- Gusto
- ADP
- Patriot Payroll
- Paychex
- QuickBooks Payroll
- And other provider-specific systems
I have been recognized for my ability to quickly become a functional expert in new software environments. Adapting to unfamiliar systems has been a consistent part of my career.
I am currently certified in: QuickBooks, Xero, Sage. I also hold Advanced ProAdvisor status with QuickBooks.
If your system is not listed, ask. I can assess and adapt.
How do engagements begin?
If you find me through Upwork, work follows the Upwork proposal and contract structure, either hourly or fixed price.
If you contact me directly through my website or referral, every engagement begins with a diagnostic review and written proposal.
This applies to ongoing monthly accounting, payroll support, tax work, and cleanup projects.
I review your starting point, document what is happening, identify issues, and define scope before quoting pricing.
Why do you require a diagnostic before quoting?
Pricing without reviewing your books is guesswork.
The diagnostic allows me to:
- Evaluate current structure
- Identify inaccuracies or risk areas
- Assess payroll setup
- Determine reporting gaps
- Define the true scope of work
From there, I provide a clear proposal with either fixed project pricing or a defined monthly cost.
What if my books are a mess?
That is common.
You will receive:
- Clear documentation of what is incorrect
- An explanation in plain language
- A defined correction plan
- Exact pricing before work begins
No judgment. Just structure.
What are your payment terms for direct (non-Upwork) clients?
Project-based engagements require a deposit before work begins.
Tax returns are not filed until the associated project balance is paid in full.
For larger cleanup or correction projects, clients commit to completing the defined scope once contracted.
This ensures clarity and protects both parties.
Are ongoing monthly services under contract?
Ongoing accounting services operate on a month-to-month basis.
A 30-day written notice is required to cancel services.
This provides continuity and prevents disruption to financial reporting or payroll oversight.
What payment methods do you accept?
For direct clients, I accept:
- ACH
- Venmo
- PayPal
- CashApp
- Zelle
Payment terms are defined in the proposal before work begins.
What happens if scope changes during a project?
If additional issues are discovered beyond the agreed scope, they are documented and quoted before proceeding.
There are no surprise invoices.
How often will we communicate?
Monthly clients receive structured reporting and regular communication.
Project clients receive milestone updates.
You will know what is being done and when it is complete.
How do you protect my data?
Access is limited to necessary systems. Secure accounting platforms and encrypted tools are used. Sensitive information is not requested through unsecured channels.
I don’t see my exact need listed. Can you still help?
If it is accounting related, reach out. If I am not the right fit, I will tell you quickly.
Still have a question?
Reach out and I’ll tell you quickly if I’m the right fit.
Contact
Prefer to reach out directly instead of using our Tally form? Send an email or call Kelly at kelly@bloss-financial-services.com • 814‑218‑3040.
Reach out using our Tally contact form today!
Find out more about using my services by reaching out through my secure onboarding/contact form.