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SM Accounting

  • Accounting Built for Consumer Goods, Retail and E-Commerce

    Accounting Built for Retail and E-Commerce

    Bookkeeping, tax filing, and financial reporting for retail stores and online sellers who need an accountant that understands how product-based consumer businesses actually work.
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You Didn't Launch a Business to Deal With This.

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"My inventory numbers never seem to match what's actually in my books"



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"I get deposits from Shopify, Amazon, and my payment processor but have no idea how to reconcile any of it"


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"My accountant files my return once a year and has never once asked about my platform fees or cost of goods"

Who This Is For

We work with independent retail store owners and online sellers who are serious about understanding their numbers. Whether you're running a physical store, selling on Shopify or Amazon, or both, we handle the books and taxes so you can focus on moving product and growing your customer base.

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Independent brick and mortar retail stores

Shopify and WooCommerce store owners

Amazon and marketplace sellers

Multi-channel retailers selling both online and in-store

Consumer product brands selling direct to customers

Owner-operators running lean retail operations

What's Included

Bookkeeping

  • ​Transactions categorized and reconciled every month
  • POS and platform sales reconciliation across your selling channels
  • QuickBooks Online managed on your behalf
  • Payment processor deposits reconciled accurately

Tax Filing

  • ​
    Federal and state business tax return
  • Owner's personal 1040 included in all bundle plans
  • Estimated tax calculations so you're never caught off guard
  • Proactive tax planning so a strong sales season doesn't turn into a surprise tax bill

Business Insights

  • Financial reports covering revenue, expenses, and net profit
  • Key metrics tracked: gross margin %, COGS as a % of revenue, net margin and more
  • Know how your business is performing on a regular basis
  • Quarterly business review call on mid and high tier plans
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Why Us?

Most accountants are comfortable with service businesses. Clean revenue, no inventory, simple books. Retail businesses are a different story entirely.

Between POS reconciliation, platform fees, payment processor deposits, and inventory tracking, the books of a retail business have more moving parts than most accountants want to deal with. The result is a return filed once a year with no real understanding of what drove the numbers.


We have worked with product-based businesses and we understand the financial reality of running one. Before starting S.M. CPA & Accounting, I spent over 10 years at a Big 4 firm across accounting, advisory, and consulting, followed by a role as the first finance hire at a venture-backed startup. That range of experience, from working with large institutional clients to building financial infrastructure from scratch inside a growing business, shapes how we approach every retail client.


FAQs

Absolutely. We assess the cleanup scope on your discovery call and give you a clear quote covering both the cleanup work and bookkeeping for the months we are catching up on. Once everything is clean you move onto your flat monthly plan.

Yes. Proactive tax planning is a core part of what we do for healthcare clients. That includes reviewing your business structure, making sure your entity setup is working for you, and planning throughout the year so your tax bill reflects smart planning rather than missed opportunities.

Yes. Reconciling platform deposits is one of the most common things we handle for retail and e-commerce clients. Shopify, Amazon, Stripe, PayPal, and Square all pay out differently and we make sure every deposit is recorded accurately in your books.

For most businesses, yes. Your business tax return depends on accurate income, expenses, assets, liabilities, owner contributions, distributions, and other financial activity. Clean bookkeeping makes tax filing easier and helps avoid missing important information.

Yes. Tax-only services are available for individuals and businesses with complete and organized records. If your books need cleanup, catch-up, or correction before the tax return can be prepared, we can help with that work at an additional rate.

Yes. This is one of the most common situations we see. We'll assess the scope on your discovery call and give you a clear quote covering both the cleanup work and bookkeeping for the months we're catching up on. Once everything is clean you move onto your flat monthly plan.

You'll receive regular financial reports covering profit and loss, cash flow, and the key metrics that matter to your business, so you always know where you stand, not just at year end. See Pricing for more details. 

Book a call and tell us about your business, entity type, transaction volume, number of accounts, and tax filing needs. We will recommend the right bookkeeping, tax, or bundled package. Book a Call with us today. 

Let's Take the Books Off Your Plate

Book a free 30-minute discovery call. We will look at where your finances stand today and put together a plan so you can stop worrying about your books and get back to running your business.

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