As a small business owner you have more important things to do than to keep your own books. We take care of your books for you, so you can get back to the job of running your business and generating profits!

Each month or quarter we’ll do the following things for you:

  • Reconcile your bank account
  • Generate an income statement
  • Generate a balance sheet
  • Clean up your general ledger
  • Provide unlimited consultations

These tasks form the solid foundation of your small business accounting system, and it’s important to get them right. We can work together to customize the package of services you receive, by adding payroll, tax planning, tax preparation, or any of our other services. Just contact us to find out how we can tailor to your needs.


A wise business owner once said, “Happiness is a positive cash flow.” As a business owner, we’re sure you’ll agree. The world is a better place when your cash-in exceeds your cash-out!

A cash crisis can be emotionally devastating, it can even kill your business.

If you’ve ever had to beg, borrow and steal to cover tomorrow’s payroll you’ll know what we mean. But we’re here to ensure you don’t have to go through that again.

Our cash management service allows you:

  • know when, where, and how your cash needs will occur.
  • know what the best sources are for meeting your additional cash needs.
  • be prepared to meet these needs when they occur, by keeping good relationships with bankers and other creditors.

The starting point for avoiding a cash crisis is allowing us to develop a cash flow projection for you.


Rayner CPA offers a virtual CFO service where core financial business requires attention. From the initial free 30 minute consult, we will be able to ascertain exactly what you require from the expertise of a CFO.

We want to ensure growth and profit for your business, and we can also save you from the grand expense of implementing a permanent, in-house CFO.

We speak Main Street, so come and knock on our door.


Here’s what you get with our Part-Time CFO services:

  • More time to focus on new services, new customers and other core business issues.
  • Better understanding of the financial side of your business. So you have less surprises and more control over the money.
  • Improved decision-making capabilities from clearly seeing the hard and true numbers of your business.
  • A readily available sounding board to help you with those tough business decisions and help you clarify your business plans.
  • The comfort from knowing that a professional is overseeing, protecting and constantly improving the financial side of your business.
  • A professional who establishes strong financial controls in your business to reduce employee theft and increase profits.
  • Training and managing your accounting staff.
  • Improved quality and timeliness of financial information.
  • Budget preparation and monitoring.
  • Profitability analysis by service or product line.
  • Tax saving strategies.
  • Trend analysis.
  • Assistance in defining long-range plans and the quantification of goals.
  • Cash management.
  • Liaison with bankers, attorneys, vendors, insurance agents, etc.
  • Assistance in obtaining financing from banks, including assistance with negotiations.
  • Review/negotiation of insurance policies.
  • Development of company accounting procedure manuals.
  • Analysis of equipment purchases, expansions, etc
  • Mergers and acquisitions assistance
  • Custom designed collection policies and procedures


We know, we know. It’s weird to ‘love tax’. But we love to make ‘accounting less taxing’, and that means doing your tax in a timely, efficient and cost-saving manner.

Avoid penalties, or using precious time to file appropriate paperwork (or risk overlooking important details). If not all of your income is taxable (freelancers, read this bit, it’s mainly for you), we can help you work out what’s claimable, what’s not- and what you have to pay to IRS.

Professional service firms have saved vast amounts by employing specialist tax agents: it really is worth talking to Rayner CPA about how we can save you money, starting now!


Books a Mess? No Problem!
If you own a small business and haven’t kept up your bookkeeping, don’t worry. We can help you. We’ll prepare your bookkeeping for the year, prepare a full Schedule C, as well as your personal income tax return. Then we’ll help you set up an easy system that allows you to keep your books in tip-top shape next year.


Holiday pay, days in lieu, overtime, contractors, enforced deductions, insurances, expense claims….need we go on before we even discuss regular pay checks for employees?

Rayner CPA has a payroll service which helps you outsource a core function of your business, so that you can save on salary costs, and the headache of processing time sheets!


Our payroll will be handled exclusively using our partner Gusto, Formerly ZenPayroll. Pricing is easy and straight forward at $29 per month + $6 for each employee.

You’ll enjoy features such as:

  1. Employee Access including self-onboarding, real time access to change their Info, online paystub and year-end W2’s.
  2. Can make contractor (1099) payments and issue 1099-M at end of year.
  3. Automatic Payroll Return filing and payments.
  4. Unlimited payrolls for the same monthly fee.
  5. Integrates seamlessly with Xero, receipt bank and T-Sheets.
  6. Cloud based and accessible anywhere on any device.