Rhode Island Bookkeeping, Tax & CFO Advisory

Bookkeeping, Tax, and CFO Advisory Services for Rhode Island Small Businesses

At Tradepoint CFOs, we deliver three categories of financial services that work together to help Rhode Island business owners spend less time on the books and more time growing the business. Every service is delivered by a real person who knows your business — not a faceless call center.

1. Monthly Bookkeeping Services

Most small business owners try to do their own books, fall behind, and end up paying twice as much for a year-end cleanup. We prevent that with consistent monthly bookkeeping done in QuickBooks Online — accurate, current, and ready for tax time.

What’s included:

• Categorizing every transaction across bank, credit card, and merchant accounts
• Monthly reconciliation of all accounts
• Profit & Loss and Balance Sheet reports delivered monthly
• Class and location tracking for multi-job/multi-site businesses
• 1099 tracking throughout the year
• Year-end books ready for your CPA (no scramble in March)

Best for: Established businesses doing $250K–$5M in revenue who want clean numbers month after month.

2. Tax Preparation & Tax Planning

Tax preparation is what most accountants do in March. Tax planning is what saves you money. We do both. Throughout the year, we look at your numbers and proactively suggest moves — equipment purchases, retirement contributions, entity changes, owner draws vs. salary mix — that reduce your tax bill. Then we file the returns.

What’s included:

• Federal and state business tax returns (Form 1120, 1120-S, 1065)
• Individual returns for owner-operators (Form 1040 with Schedule C/E/K-1)
• Quarterly estimated tax payment calculations
• Sales tax registration and filing (RI, MA, CT)
• Payroll tax filings (Form 941, 940, RI/MA withholding)
• 1099 preparation and filing
• Strategic tax planning sessions (quarterly for ongoing clients)
• IRS letter response and audit support

Best for: Business owners who want to stop overpaying tax and start planning ahead instead of reacting in April.

3. CFO Advisory Services

If you’re scaling past $1M in revenue, the bookkeeping and tax work isn’t enough. You need someone in your corner who can read the numbers and tell you what to do about them. That’s CFO advisory.

What’s included:

• Monthly KPI dashboards customized to your business
• Cash flow forecasting (13-week rolling)
• Pricing analysis and profitability by service line
• Budget vs. actual reporting and variance analysis
• Hiring and payroll cost modeling
• Equipment financing analysis (lease vs. buy)
• Banking relationship support and loan package prep
• Owner compensation strategy
• Quarterly business strategy review sessions

Best for: Owners doing $1M–$5M in revenue who want a financial partner, not just a bookkeeper.

Industries We Specialize In

We don’t try to serve everyone. We focus on three industries where the financial complexity is highest and the value of getting it right is biggest:

• Contractors and Trades — Electricians, plumbers, HVAC, general contractors, landscapers. Job costing, retention accounting, payroll tax compliance.
• Healthcare Practices — Dental, chiropractic, physical therapy, medical offices. Insurance billing reconciliation, owner compensation planning, multi-provider accounting.
• Professional Services — Law firms, marketing agencies, consultants, IT services. Project profitability, time tracking integration, partner draws.

How We Work With You

Every Tradepoint CFOs engagement starts the same way:

1. Free 30-minute consultation — We learn about your business, current state of the books, and what’s keeping you up at night.
2. Diagnostic review — If you have existing books, we review them and identify what’s working and what needs cleanup.
3. Fixed-fee proposal — We send a clear scope and a flat monthly fee. No hourly billing, no surprises.
4. Onboarding — We connect to your accounts, import history, and get you current within 30 days.
5. Monthly cadence — Books closed by the 15th of each month. Quarterly strategy calls. Year-end tax filing.

Service Area

We’re locally based in Rhode Island, serving small businesses across Providence, Cranston, Warwick, Cumberland, Woonsocket, Pawtucket, East Providence, and surrounding RI/MA towns. All work is delivered remotely — you don’t have to drive to our office.

Pricing

We work on fixed monthly fees. No hourly billing. No surprise invoices. Typical engagements:

• Bookkeeping only: $300–$800/month depending on transaction volume and complexity
• Bookkeeping + tax filing: $500–$1,200/month including annual returns
• Full-service (bookkeeping + tax + CFO advisory): $1,500–$3,500/month
• One-time historical cleanup: Project-based pricing depending on backlog

The free consultation will give you an exact number for your situation.

Why Tradepoint CFOs

• Local Rhode Island firm — not an out-of-state shop that doesn’t know RI sales tax rules
• Industry specialization — we know contractors, healthcare, and professional services deeply
• Fixed-fee pricing — you’ll never get a surprise invoice
• QuickBooks Online ProAdvisor — certified in the platform we use
• Direct access to Robert — no junior staff, no hand-offs
• Plain-English communication — no accountant-speak

Ready to Get Started?

Whether you need monthly bookkeeping, tax help, CFO-level advisory, or all three, we’d love to learn about your business and see if we’re a fit. The first conversation is free and you’ll walk away with useful insight even if we don’t work together.

Call: (401) 264-8828
Email: info@tradepointcfos.com
Book a free 30-minute consultation

Bonus: Want a sneak peek of how we think about cash flow? Grab our free 13-Week Cash Flow Forecast Template — same model our CFO advisory clients use. No email required.