Reconcile bank, credit card, and loan accounts, properly categorizing and matching the transactions with expenses and income. Any entries you have made will be reviewed. We will match all receipts and bills to the proper transaction. Once this is completed, we then move on to financial reporting.

Service Highlights
  • Account reconcilliations
  • Process bank feeds
  • Accurate and timely books


We provide monthly financial statement preparation and review. Monthly budgeting and benchmarking. Sales and Use Tax reporting and payroll reports.

Service Highlights
  • Profit and loss report
  • Balance sheet report
  • Sales and use tax reporting
  • Payroll reports


We provide payroll services for in-house and third-party payroll companies.  We will file monthly, quarterly, and yearly filing (W2, 1099, 941 etc.).

Service Highlights
  • In-house payroll
  • Third-party payroll
  • Monthly, quarterly, yearly filings


River Valley Financial Services helps small businesses with their bookkeeping and financial needs so that they can focus on growing and maintaining their business instead of being burdened with financial tasks.



Brandy began her accounting career as an Accounting Associate in 2001. Following the birth of her son in 2008, she chose to be a stay-at-home mom, and took on bookkeeping engagements as her schedule allowed.  In 2010, she started her business as a freelance bookkeeper, while managing a tax practice.  Brandy is now a full charge, virtual bookkeeper that provides exceptional service to all different industries.

About Us

River Valley Financial Services is a full charge, virtual bookkeeping service with over 23 years’ experience. We can help you manage your financial health so you can succeed in your business.


Quality bookkeeping services built for you.

River Valley Financial Services helps contractors keep their financials current and organized. Receipts can be captured electronically so your truck can be used for business instead of a file cabinet. We provide services to contractors in any field.

We offer services to independent insurance salespeople to help organize commissions, payments to vendors, and proper accounting for all business and payroll expenses.

River Valley Financial Services helps small businesses that do not have their own internal team. You have an office assistant, or you take care of your bookkeeping on your own but are not sure where all your income and expenses go. We work with your tax accountant to make sure year end processes are smooth and easy.

We help with bookkeeping, payroll, and reporting for businesses that don't have the need to hire another employee but the staff they have cannot manage all their needs. Outsourcing some or all of your financial/ payroll tasks is more cost effective than onboarding a new employee. There are no payroll taxes, health benefits, or paid time off that comes out of your pocket.

Precise, efficient, and saved my company time and money ...

Working with River Valley Financial Services has been a very positive experience. They are very precise, efficient and have saved my business both time and money. They are readily available should I have questions and have assisted me in keeping my records up to date and organized. I highly recommend their services.

Treats my business like her own ...

River Valley Financial Services has my complete satisfaction of a service that treats my business like her own. I would certainly recommend them for anyone in need of a great bookkeeping service. Brandy has given me great advice on getting our books in complete order. Thanks again for all your help and support.

Proactive, always does a great job ...

Having Brandy help me manage my books has saved me so much time and many headaches! She is proactive and always does a great job. I don’t know what I would do without her!


How can a bookkeeper help my business?
Bookkeepers ensure that all of a company's expenses, income, and transactions are recorded in the company's books and reconcile the company's financial accounts, typically on a monthly basis. Bookkeepers also help with financial statement and financial report preparation.
Can bookkeeping be done remotely?
It can be done by a remote, but local, bookkeeping company or it can be done from anywhere in the world by a remote, virtual bookkeeping company. Outsourced bookkeeping services provide the same services as traditional bookkeepers, but often can accomplish more and offer a host of other benefits.
What are the advantages/disadvantages of the tax preparer processing both my bookkeeping and taxes? Can’t I just have my accountant do my bookkeeping for me?
While there are some tax preparers who will also do your day-to-day bookkeeping for you, it is generally considered a best practice to separate duties between a bookkeeper and a tax preparer, because the job of a bookkeeper is much different than what is required of the tax preparer.

While it may be advantageous to have everything in one place, from the standpoint of only having one person to work with, there are far greater disadvantages to having one person handle both your bookkeeping and tax needs. The tax preparer is generally not an expert in bookkeeping, as they are spending most of their time on tax returns throughout the year, focusing mainly on the rules and regulations regarding tax law. Further, they normally charge more for bookkeeping services, while their efficiency is geared towards tax returns.

On the other hand, the bookkeeper is typically more detailed in nature, and provides timely reports throughout the year that will help the business owner understand how their business is doing, so they can grow their company and increase profitability.

By leveraging the skills of both professionals, you will have two people working on your account who are each experts in their field, providing you the best bookkeeping and tax services possible. Having two experts in your corner creates a system of checks and balances for your accounting records.
What is a Certified QuickBooks ProAdvisor and what do they provide?
The Intuit QuickBooks ProAdvisor program trains accounting and bookkeeping professionals in the use and administration of QuickBooks for a wide variety of clients working in a wide variety of industries. Once certified, bookkeepers and accountants are prepared to provide clients with QuickBooks management services, including training and ongoing support. Additionally, certified ProAdvisor's have greater access to support on QuickBooks issues direct from the software manufacturer Intuit.

Intuit, the manufacturer of QuickBooks Software, also requires the Pro-Advisor to take a test every year in order to verify they are up to date with all of the changes in the latest version. The QuickBooks Pro-Advisor is also provided with a version of QuickBooks that allows them to work more efficiently with the software. This version offers greater functionality than what is available with the Retail version of QuickBooks.
How does the cost of hiring my own in-house bookkeeper compare to outsourcing bookkeeping duties?
Outsourcing of finance and accounting is a long-standing tradition in business, because it makes good business sense and because it is economically beneficial. Outsourcing bookkeeping saves you money in payroll taxes, insurance and other benefits, overhead for office space and machinery, and in down time.

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