June 11, 2025 • 24 mins
We created our monthly accounting plan to solve the recurring problem of clients coming to us at tax time with messy books and missing tax-saving opportunities, and after nine months with our beta group, we're sharing how it's working and opening up a few more spots.
• Our monthly accounting plan provides accountability and real-time bookkeeping support, like having a personal trainer for your finances
• Works better than self-doing, external bookkeepers, or costly internal accountants who often create more problems
• Includes monthly one-hour calls at reduced rates with private booking link and priority access
• Tax returns completed by January with no extensions needed because books are maintained throughout the year
• Free tax projections eliminate surprises at tax time
• Covers QuickBooks training, reconciliations, tax strategy, retirement planning, and business decisions
• Costs $225/month with no contracts and consistently saves clients more in taxes than they pay for the service
• Email reminders on the first of each month highlight important deadlines and considerations
If you're interested in one of our limited spots, you can email us directly at carson@sandco.net
You can also book a discovery call with us to address any questions you have on the monthly accounting plan HERE
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
And, on top of all of that, another one of the things
that is a big benefit is allthe tax planning that we talk
about on this podcast, all thetax planning that some people
schedule consultations to do tohelp set up a way to save on
their taxes.
That's all something that we doautomatically when we're on
this monthly plan, because it'sjust a normal part of the
process.
Welcome to what your CPA Wantsyou To Know.
Speaker 2 (00:34):
Tax and accounting help can be expensive, so we've
created this podcast to helpguide you through it all and
make you feel like you have aCPA in your back pocket.
Speaker 1 (00:39):
I'm Carson Sands.
Speaker 2 (00:41):
And I'm Taryn Sands.
Speaker 1 (00:42):
I'm a CPA with over 10 years of experience helping
people start and grow theirbusinesses.
Speaker 2 (00:48):
And I'm an MBA with a specialization in marketing and
entrepreneurship.
Taxes suck and we want to makesure you don't pay more than
your fair share.
Speaker 1 (00:58):
We're here to share everything your CPA wants you to
know.
Speaker 2 (01:02):
In a fun and easy to understand way.
Speaker 1 (01:05):
Let's get started.
Speaker 2 (01:06):
Let's do it.
It has been nine months sincewe created the monthly
accounting plan and started withour first beta group, so we're
here today to discuss how itwent and share about that plan
again, because we're actuallygoing to be opening up a few
(01:28):
more spots.
Speaker 1 (01:29):
Yeah, this is a great program that all of our clients
that are doing it have loved.
So far we really haven't hadany, but we haven't had anyone
cancel or complain yet, sothat's 100% positivity.
Speaker 2 (01:41):
So we'll share about what it is today and we'll share
why it's maybe something thatyou didn't even know you needed
and exactly what is in it andall the things.
And then what the feedback thatwe're getting from all the
people in our beta group.
So, first and foremost, like,why did we even think of this
monthly accounting plan andwhere did the idea come from?
(02:03):
So we were running into a lot ofissues, which, I feel like, is
where a lot of ideas come from.
You're having a problem and youneed a solution, and the issue
was that we were working withpeople who would come in for tax
time once a year and theirbooks would be really messy and
they didn't understand why thenumbers weren't correct and they
(02:23):
had a lot of questions and theywere confused why they couldn't
save more in taxes and all thethings.
And really the problem was thatwe hadn't spoke to them pretty
much all year long and theydidn't really know what they
were doing in QuickBooks.
So they needed a lot ofQuickBooks training to make sure
that their numbers were right,and you really can't save taxes
(02:45):
whenever you're doing it right.
Then, like the year's alreadydone, there's nothing you can do
when we're filing the taxreturn.
So we were running into thatproblem over and over again.
Speaker 1 (02:56):
And you know a lot of these people were doing a great
job for 95% of the work.
So that seems like it should bereally close to an easy thing
to complete.
But that's not always the case.
If you just have, let's say,one time that QuickBooks
disconnects from your bank andyou're missing you know 15 days
worth of transactions.
Well, now you can't reconcile.
Well, if you can't reconcile inApril, then all the rest of the
(03:18):
months are not reconciled.
So now, all of a sudden, you getto the end of the year and you
have eight months worth ofnon-reconciled you know bank
accounts, or you just have a fewother things that you didn't
know what to do with.
So you just guessed and nowthey're in weird places and you
have to go track it down.
It's so much harder than just,you know, leaving it alone and
having someone else tocategorize it for you.
(03:38):
There's so many little thingsthat can spring up that, taken
individually and fix along theway, they're not really a big
deal, but when you pile them allup and hand them to me in tax
season, they can be a costly andtime consuming problem.
Speaker 2 (03:54):
Yeah, and looking at it from a business standpoint
from us, we weren't able to dealwith all those issues then.
Like, we have so many taxreturns on the list.
Carson couldn't go through andcomplete bookkeeping for every
single client.
So we had so many tax returnson the list, carson couldn't go
through and complete bookkeepingfor every single client.
So we had to make the new rulethat if he got into a client's
books and they weren't ready todo the tax return, we had to
(04:14):
extend them and then work onthat mess in the summer.
Like we couldn't spend a weekgetting through all the things
because it would slow downeverything too much and it just
it became very, very common thatthings like that would happen
and we had so many of those theprevious year that we just like
we've got to do somethingdifferent here.
(04:34):
So that's when I was like, okay,what if we could stay in touch
with everybody all year long andas things came up, we could fix
it along the way.
Also, when we would talk tothem every single month, we
could look at their books, makesure they're doing a good job.
If they bought a new asset, wecould help them put it in there.
If they had a question, wewould make sure that it was
(04:57):
answered right then and makesure that they were reconciling
every month so that they had agood set of books.
Because another thing that washappening was that we wouldn't
hear from people for a while andthen all of a sudden they would
need some financials for, like,a mortgage, or their bank for a
loan or something, and theywould be like hey, carson, hey,
can you get me a P&L?
Well, there had been nobookkeeping done and there's no
(05:20):
way to do an accurate P&L if allof the work hasn't been done.
So I was like maybe we could dolike a monthly thing.
So that's where this idea camefrom originally.
Speaker 1 (05:29):
And one of the things that it kind of evolved from is
us realizing that, you know,when it comes to, let's say,
quickbooks Online, for example,most people, most of our clients
, are capable of doing asignificant portion of the work
themselves and in fact, are thebest people for the job, because
you have, let's say, you havean external bookkeeper and you
are constantly getting emailsfrom them, like, okay, you know,
(05:50):
I categorized the things thatwere obvious, but there's so
many things that so manytransactions that it's not
obvious what that expense was,and so they have to ask you, and
by the time you go back andforth on the emails, a lot of
times it would have been fasterto do some of that yourself.
Speaker 2 (06:02):
Oh, absolutely so many times.
I mean that's.
One of the biggest reasons wedon't like doing bookkeeping for
certain businesses is becausethere's too much back and forth.
It really doesn't make it anyeasier for them and it creates a
pain in the butt for us.
Speaker 1 (06:16):
So if you have 20 Walmart transactions and 40
Amazon transactions.
There's no way we can know whatkind of expense those are.
You know it's different.
If you go to McDonald's, I knowwhat you did there.
You know that's different.
That's a meal, but well, that'sdebatable.
But you know, some peopleconsider that a meal and but
yeah, some of these placesthere's just no way for us to
know or target or whatever.
I mean that could be anything.
(06:36):
So you categorizing those causeyou know that date oh yeah, I
was buying, you know printer inkor whatever then you know what
that was, and so what you can dothen is you can do all the
stuff that you can do and leavethe rest sitting there to ask
somebody on a monthly basis.
Speaker 2 (06:55):
And that was like to us.
If you look at all of youroptions here, you can do it
yourself.
Which people weren't doing?
They weren't keeping up with itor they were doing it
incorrectly.
Speaker 1 (07:06):
Which is even worse than not doing it at all, right.
Speaker 2 (07:08):
Even worse and more costly whenever you have to go
back and fix everything.
Okay, option number two is thatyou could hire an external
bookkeeper and, like we said,that wasn't working out either,
because there's so much back andforth, it's not saving anybody
any time and a lot of timesthey're doing it wrong because
they're guessing and thenthey're like that's not right.
Well, once again, a lot of workto be done to fix what the
(07:29):
bookkeeper had done.
And then option number three ishas the highest price tag,
which is to hire someone to comein your business and run your
QuickBooks and all of that havelike a controller.
But once again, so many thingshappen with our clients doing
that because they weren'tvetting them properly and
they're not doing a good job andthey're creating a giant mess
that we then again had to fix.
(07:50):
And not only are they payingtheir salary, then they have to
pay us to go back and fixeverything.
Speaker 1 (07:55):
Now if you hire an internal accountant and they are
you're paying them less than 50to 60,000 a year.
I promise you don't want themdoing your books.
You're better off to do themyourself.
Speaker 2 (08:03):
Well, and most people can't afford that.
That is when your businessgrows to a really, really big
point.
But if you're going to be doingthat, you need to make sure
that your CPA looks at theirwork and make sure that they're
doing a good job, because ninetimes out of 10, they're not.
They just say that they can doQuickBooks and then they go in
and mess everything up and thenit's so expensive to fix.
Speaker 1 (08:24):
Right, and that doesn't apply to everyone.
I mean, some people do needinternal accountants and they
can afford the proper people towork there, you know.
Or even we have some peoplethat have multiple internal
accountants that get paid, youknow good salaries and they do a
good job.
Speaker 2 (08:37):
But that just doesn't apply to most people that we're
working with.
Speaker 1 (08:40):
And you're not going to get those people because
they're already busy, becausethe people that make millions of
dollars are paying them morethan you can afford to pay.
So, you're not going to findthat person.
Speaker 2 (08:50):
So none of those options are really working for
our clients.
So we're like, okay, let'screate another option.
What as your CPA like whatwould work best for both parties
?
And that's when we were talkingabout the monthly plan and
let's talk a little bit abouthow it works.
So you get a call every singlemonth and it's like a check-in.
(09:11):
Carson always says it's likehaving a personal trainer.
Speaker 1 (09:14):
It is.
It's kind of the equivalent ofthat.
It forces you to do somethingthat you might not do otherwise.
Speaker 2 (09:20):
And we get it.
We're business owners too.
It is not the thing you want todo, but it bites you in the
butt if you don't Right.
So you have to have thataccountability and we tell
people all the time put a, youknow, put a note on your
calendar to do it on the firstevery month or whatever day
works for you, and put it onthere so you don't forget to
actually work inside yourbusiness and it's because you're
(09:42):
too busy doing all the otherthings that are also very
important.
We totally get that.
So accountability is somethingwe wanted in there, and that is
with a call every single month.
And the beauty of that is thatif you're on the plan, it's at a
reduced hourly rate, so onehour and you're paying less than
you would if you were to book acall on our website.
Speaker 1 (10:03):
On top of that, not only is it a little bit less
expensive whenever you're on themonthly plan than if you're
just booking calls with us, italso gets you access to time
slots that aren't available allthe time because we have to
leave those open for some of ourmonthly clients.
Speaker 2 (10:23):
Yeah, this is a private link, because one, the
price is lower and it opensspots that are just for the
monthly accounting clients,right.
Speaker 1 (10:26):
And then another benefit and this isn't really a
reward so much as just it's justpractical is that your tax
returns are going to be thefirst ones getting done, because
we're looking at your booksevery month and when we finish
our January phone call to goover the final stuff from
December and make sureeverything's ready to go, I mean
your tax return's ready to beprepared and we're going to get
(10:47):
it done, because that helps ustoo.
We're able to knock out severalclients right off the bat that
we don't have to worry aboutlater when we're way busier,
because we know the books arecleaned.
Speaker 2 (10:57):
That was absolutely a game changer for us.
But everybody in the beta groupeveryone in the beta group had
their stuff ready to go for taxtime because everything had been
reconciled, ready to go.
And January they got helpgetting all of their W-2s and
1099s out.
All of those questions werecleared and we were able to
start on their tax returns andno extensions needed.
(11:20):
It could be done in January.
Speaker 1 (11:21):
And so many of them were like oh wow, january 16th,
thanks for getting it done soquickly.
I'm like no, no, thank you, welove that.
Because now, that's you know,15 returns that I don't have to
do in March whenever we'reslammed.
So thank you.
Speaker 2 (11:34):
It's like a perfect ready to go set of books to do a
tax return.
That's like Carson's, like bestthing ever.
Speaker 1 (11:42):
And that has a lot of benefits too.
First of all, there's no reasonto stress about taxes for nine
or 10 months and extend and whenyou don't have to just get them
done in January and don't thinkabout them for the rest of the
year.
But also, you know, if you doowe, then you have until April
15th, so that gives you quite abit of time, and if you're
filing right before the deadline, you don't have a lot of time
(12:02):
to move money around or whateveryou need to do Although if
you're one of our monthlyclients, that really shouldn't
be an issue anyway, because partof what we're doing is tax
projections during the year tomake sure that we know what
you're going to owe, that you'repaying in estimated payments or
figuring out some other ways tobuy some assets or something to
save that tax dollars.
Whatever you need to do to makesure that you don't have a big
(12:24):
surprise bill when tax timecomes around.
Speaker 2 (12:27):
That's something that we didn't mention but built
into this plan.
We were like what else would wewant people to do all year long
, ideally, and that's a taxprojection.
We always tell our clients todo it.
Some of them, yes, don't needthem, but most of the business
owners do, and we were runninginto lots of surprises in April
where they shouldn't have beensurprised.
(12:47):
So we built into this plan afree tax projection and that or
December with Carson, and knewexactly what they would be
expecting come April.
And that was so nice, not onlyfor them but for us, because
(13:08):
they weren't surprised.
Speaker 1 (13:09):
Yes, that was fun and I did get to brag a little bit
and be like oh hey, look, I waswithin $3 of the amount that you
were supposed to owe or thatyour refund was going to be, and
so that's always nice.
So, yeah, we like to do that.
We don't want anyone to besurprised.
I don't like that feeling ofI'm going to email somebody and
tell them they owe this bigamount.
I hate that feeling.
Sometimes it happens Peoplemake a lot of money.
(13:31):
They don't talk to us all yearand then we get their financials
and just do their tax return.
I mean, we have clients, thatthat's what they do and we're
happy to do that.
I just feel terrible wheneverI'm like, well, you did awesome
and now you're going to pay forit.
Speaker 2 (13:42):
Yeah, that does happen far too often, and so we
were able to eliminate that withall of our monthly accounting
people.
And also, we do charge $300 fora tax projection, which is, I'm
sure, why some people don't doit is that they don't want to
pay the extra money becauseCarson has to basically prepare
a fake tax return to see whatwhat it's going to look like,
(14:03):
and you get that free with themonthly accounting plan.
So we wanted to make sure thateveryone did it, so you're
actually getting that for free.
Speaker 1 (14:11):
So, and on top of all of that, another one of the
things that is a big benefit isall the tax planning that we
talk about on this podcast, allthe tax planning that some
people schedule consultations todo to help set up a way to save
on their taxes.
That's all something that we doautomatically when we're on
this monthly plan because it'sjust a normal part of the
process, and we do a lot more ofit if and we'll get into that
(14:34):
later if you're doing your part,that's part of the
accountability is.
You know, with that hour we cansit there and I can probably do
a whole month worth ofcategorization and
reconciliations for you.
And the first couple of monthsI work with people.
Sometimes that's exactly whatwe're doing, but that's not our
long-term goal.
I I'll do that for you ifthat's what you want me to do,
and I can usually get it done inthat time.
(14:55):
But ideally I'm setting up rulesin QuickBooks so it does a lot
of the work automatically.
I'm showing you how to do stuffso you can do it yourself.
I'm even teaching you how to dothe reconciliation so you can
do that yourself.
That way, we can spend our timefinding, working on tax
strategies, fixing the problemsthat you can't fix yourself that
spring up, helping you set uppayroll if it's time to add that
(15:17):
because you converted to anS-corp, or looking at
comparisons to last year andseeing you know, yeah, you made
more revenue, but your expenseswent up by even more.
What's going on with that?
How can we fix that?
These are things that we canlook at that are a higher level
and they have a lot more benefitto you.
But but also we do have peoplethat we spend quite a bit of
time helping them withcategorization and stuff, and
(15:38):
we're hoping that over time,they'll get trained on doing
some of that themselves andwe'll be able to provide more
value doing other things.
Speaker 2 (15:45):
Well, and that was one of the biggest questions is
what can you talk about in thecall and anything that you want?
Somebody was asking can we talkabout our personal stuff, our
personal finances?
Absolutely, because really,when it boils down to it, you're
paying all these taxespersonally.
So that was a question thatcame up a lot.
And, just over the beta group,what have we talked about in
(16:06):
these calls?
And we've talked aboutbookkeeping.
Like Carson said, we've goneover QuickBooks issues and got
everything cleaned up taxstrategy.
So we've helped people set upS-Corps.
We've helped people set uptheir kids on payroll.
We've helped people with theAugusta rule all of those things
.
We've helped them plan forasset purchases and we've also
helped with like retirementplanning and then big decisions
(16:29):
on their business or loans.
We've had a few that areconsidering selling a business.
We've helped with so manythings and anything you want to
talk about in that hour, you'refree to talk about it with
Carson.
I mean, if you want to ask himI don't know his his advice on
anything non-tax related, I'msure he'll tell you.
Speaker 1 (16:48):
But really, it's up to you.
We can talk about my favoritefiction books if you want.
Um, you know, I don't know thatyou'll get a lot of value out
of that, but yes, Um, but no, ifwe're talking about accounting
things, then you will get a lotof value.
You'll save money on taxes andother things.
So I think that's where, yeah,the best value is.
But I even had people that youknow.
We talked about retirementoptions, other investing options
, life insurance.
Speaker 2 (17:09):
And Carson's really good at stuff like that R&R not
worth it.
Speaker 1 (17:12):
I've had somebody I think two or three people now.
That's one of my number onegoals in life.
Besides converting people toS-Corps is to get people off of
whole life insurance policies.
Speaker 2 (17:22):
You hate whole life.
Speaker 1 (17:23):
I know we've mentioned that we like Dave
Ramsey and a lot of stuff hesays.
He says the same thing, butthis isn't a Dave Ramsey thing.
This is one of the things thatI had before Dave Ramsey,
because I have a calculator andbecause I'm a numbers person and
if you're a numbers person,please don't have a whole life
insurance policy.
Speaker 2 (17:37):
I helped somebody cancel one got some of their
money back that they had putinto it and they got a proper
term life insurance policy thatcosts a tenth as much for the
same coverage.
It's just a little preview ofwhat you can get with your chats
with Carson every single month.
Speaker 1 (17:51):
That's right Now.
I won't talk about that anymorebecause we have a personal
finance series of podcastepisodes that you can go back
and we talk about why whole lifeis a scam.
So I won't talk about thatanymore.
Just to say that there are alot of ways that you can save
money outside of even yourbusiness, and we're more than
happy to talk about all that.
I won't waste your time If Idon't know about it.
I will just immediately say no,this is who you need to talk to
(18:12):
about that.
Let's move on to something elsethat I'm an expert on.
But you know, when a Tarynmentioned bookkeeping too, I
want to make sure peopleunderstand this isn't just
discussing it.
I'm in your QuickBooks whileyou're in your QuickBooks and
we're going through step by stepand I'm showing you.
Okay, some of the things areone-time things and I'll just do
them real fast to get them outof the way.
Link your checking account,link your credit card to
QuickBooks so that it allimports automatically, and then
(18:34):
it's done.
You never have to do it again.
But other things like this ishow you categorize or if you
have a loan payment, here's howyou split it between interest
and principal.
These are things that peopleget wrong a lot.
But once I show you, once I mean, y'all are smart people you
don't run a businesssuccessfully if you're dumb.
So there's no magic formula Ihave in my head.
There's no magic braincomponent I have that no one
(18:55):
else has.
It's just something I've beentaught and as soon as I teach it
to you, you'll know how to doit too, and I'll teach you how
to do the reconciliations.
And that might take you know itmight take a few times of
showing you.
But once you have all that down, you'll be able to use your
time for other things.
And I do understand that thismight mean that some people
eventually learn everything theyneed to know and they fire us,
and that's okay.
They'll still be clients fortax returns and we won't even
(19:17):
have our feelings hurt becausewe'll feel like that happened,
because you got really good atall the things we taught you to
do, and that'll just open up aspot for someone else.
Speaker 2 (19:25):
Oh, that is.
Another thing that came up wasthat can you cancel at any time?
And, yes, if you don't seevalue in this?
Absolutely.
No one's locked into any sortof contract with us.
But all of our beta group isstill going strong and everyone
has just had amazing feedback.
It's been amazing from them,from their standpoint, and I
actually recorded an episodewith one of our monthly members
(19:46):
so that they can share how it'sbeen for them.
So that is next week's episode,but for us it's just been an
absolute dream.
It's for Carson to be able toget into all of their QuickBooks
, monthly chat with them, checkin what's going on.
He knows what their plans forthe future are.
He knows what's going on intheir business.
He knows almost everythingabout their business by the end
of these nine months and thatmakes our job so much, so much
(20:11):
easier and more enjoyable.
We love working with them everysingle month.
Speaker 1 (20:14):
It is.
It's because it's the thingsthat I've been telling Taryn
since we started this businessthat, oh, I wish people would
just do this and that would maketheir life so much better.
It would save them money, itwould take stress off of them
and it would make our job easierat tax time too.
And then, you know, taryn cameup with this idea, and now
that's exactly what I get to doevery month.
Speaker 2 (20:31):
So and you love when people save more in taxes than
they pay you.
That's what you love.
Speaker 1 (20:36):
Oh yeah, and all of the people on this plan do.
That's the thing is.
You know there's there's timeswhen that doesn't happen.
It's very rare.
But there's times where youknow they just their return
didn't go that way but um, butyou know that's.
That's never the case here,because when we're looking at it
during the year, there's timeto fix things, to do things
differently and to save money.
After the year is over.
Sometimes it's too late,depending on what it is.
Speaker 2 (20:58):
So, yeah, just to wrap it up, it has been an
amazing nine months with thisbeta group.
Because of that, we are openingup a few more spots.
I think we were saying five,but a couple have already been
grabbed.
We released some earlier tojust like our email list, so we
have a few more left.
If that's something that youare considering, I definitely
(21:19):
will put a link in the shownotes.
We have like a 15 minutediscovery call if you have any
other questions.
If not, you can directly emailus and just say, hey, I'm ready
to get started.
Speaker 1 (21:29):
And we also weren't kidding about that.
Some people might, you know,get off of a plan because we
taught them so well I'mspecifically thinking of two in
my head that you know they mightbe getting close to that.
They really know what they'redoing, they're fired up about it
and they'll still be tax returnclients, but and that's okay,
that's great.
That just means we did our jobwell.
And so if you don't get one ofthese five spots, just be on the
(21:50):
lookout, because if people dotransition out of this plan,
then we'll open up the spot forother people.
Speaker 2 (21:57):
Okay, Awesome.
So just to recap before weclose out this episode, the
monthly accounting plan.
It's $2.25 a month and for the$2.25, you will have a monthly
call with us and it's for onehour and in that call you can
talk about anything under thesun.
You can get help with yourQuickBooks Carson will be in
(22:18):
your QuickBooks with you oranything tax, business, finance
related.
In that call you will alsoreceive an email on the first of
every single month from me.
It will give you a private linkto book that call, along with
things that you should bethinking about for your call.
So get your list ready.
I always say, like okay, thismonth we have estimated tax
(22:40):
payments coming.
Like if you need help with that, make sure to bring that up in
your meeting.
I also say, okay, this is themonth that this is due.
So that email is more than justa booking reminder.
It really kind of tells youwhat's going on and what needs
to be on your radar every singlemonth, which is what we would
love for everyone to know, sothat you don't miss deadlines,
(23:01):
so that you plan accordingly,all of that.
And then you get a second email.
If you have not booked yet, youget another one, so that
accountability is really builtin there.
And then, secondly, you get afree tax projection which is
done at the end of every singleyear, and that is all included
in the monthly membership forthe 225.
So anything else you want toadd in there.
Speaker 1 (23:22):
No, I think you covered everything.
Speaker 2 (23:24):
All right.
Well, like I said, check outthe show notes if you need more
information, and stay tuned nextweek, for one of our monthly
clients are going to be on andshe's going to talk about it,
how it's changed her businessand how she loves working with
us and answering the questionsthat we've been getting like
from a different perspective.
Speaker 1 (23:46):
So until next time, thank you so much for listening
to what your CPA Wants you toKnow Podcast.
This podcast is intended toprovide accounting and tax
information for educationalpurposes only.
All tax situations are uniqueand should be handled with the
assistance of a tax professional.
And, on top of all of that, another one of the things
that is a big benefit is allthe tax planning that we talk
about on this podcast, all thetax planning that some people
schedule consultations to do tohelp set up a way to save on
their taxes.
That's all something that we doautomatically when we're on
this monthly plan, because it'sjust a normal part of the
process.
Welcome to what your CPA Wantsyou To Know.
Speaker 2 (00:34):
Tax and accounting help can be expensive, so we've
created this podcast to helpguide you through it all and
make you feel like you have aCPA in your back pocket.
Speaker 1 (00:39):
I'm Carson Sands.
Speaker 2 (00:41):
And I'm Taryn Sands.
Speaker 1 (00:42):
I'm a CPA with over 10 years of experience helping
people start and grow theirbusinesses.
Speaker 2 (00:48):
And I'm an MBA with a specialization in marketing and
entrepreneurship.
Taxes suck and we want to makesure you don't pay more than
your fair share.
Speaker 1 (00:58):
We're here to share everything your CPA wants you to
know.
Speaker 2 (01:02):
In a fun and easy to understand way.
Speaker 1 (01:05):
Let's get started.
Speaker 2 (01:06):
Let's do it.
It has been nine months sincewe created the monthly
accounting plan and started withour first beta group, so we're
here today to discuss how itwent and share about that plan
again, because we're actuallygoing to be opening up a few
(01:28):
more spots.
Speaker 1 (01:29):
Yeah, this is a great program that all of our clients
that are doing it have loved.
So far we really haven't hadany, but we haven't had anyone
cancel or complain yet, sothat's 100% positivity.
Speaker 2 (01:41):
So we'll share about what it is today and we'll share
why it's maybe something thatyou didn't even know you needed
and exactly what is in it andall the things.
And then what the feedback thatwe're getting from all the
people in our beta group.
So, first and foremost, like,why did we even think of this
monthly accounting plan andwhere did the idea come from?
(02:03):
So we were running into a lot ofissues, which, I feel like, is
where a lot of ideas come from.
You're having a problem and youneed a solution, and the issue
was that we were working withpeople who would come in for tax
time once a year and theirbooks would be really messy and
they didn't understand why thenumbers weren't correct and they
(02:23):
had a lot of questions and theywere confused why they couldn't
save more in taxes and all thethings.
And really the problem was thatwe hadn't spoke to them pretty
much all year long and theydidn't really know what they
were doing in QuickBooks.
So they needed a lot ofQuickBooks training to make sure
that their numbers were right,and you really can't save taxes
(02:45):
whenever you're doing it right.
Then, like the year's alreadydone, there's nothing you can do
when we're filing the taxreturn.
So we were running into thatproblem over and over again.
Speaker 1 (02:56):
And you know a lot of these people were doing a great
job for 95% of the work.
So that seems like it should bereally close to an easy thing
to complete.
But that's not always the case.
If you just have, let's say,one time that QuickBooks
disconnects from your bank andyou're missing you know 15 days
worth of transactions.
Well, now you can't reconcile.
Well, if you can't reconcile inApril, then all the rest of the
(03:18):
months are not reconciled.
So now, all of a sudden, you getto the end of the year and you
have eight months worth ofnon-reconciled you know bank
accounts, or you just have a fewother things that you didn't
know what to do with.
So you just guessed and nowthey're in weird places and you
have to go track it down.
It's so much harder than just,you know, leaving it alone and
having someone else tocategorize it for you.
(03:38):
There's so many little thingsthat can spring up that, taken
individually and fix along theway, they're not really a big
deal, but when you pile them allup and hand them to me in tax
season, they can be a costly andtime consuming problem.
Speaker 2 (03:54):
Yeah, and looking at it from a business standpoint
from us, we weren't able to dealwith all those issues then.
Like, we have so many taxreturns on the list.
Carson couldn't go through andcomplete bookkeeping for every
single client.
So we had so many tax returnson the list, carson couldn't go
through and complete bookkeepingfor every single client.
So we had to make the new rulethat if he got into a client's
books and they weren't ready todo the tax return, we had to
(04:14):
extend them and then work onthat mess in the summer.
Like we couldn't spend a weekgetting through all the things
because it would slow downeverything too much and it just
it became very, very common thatthings like that would happen
and we had so many of those theprevious year that we just like
we've got to do somethingdifferent here.
(04:34):
So that's when I was like, okay,what if we could stay in touch
with everybody all year long andas things came up, we could fix
it along the way.
Also, when we would talk tothem every single month, we
could look at their books, makesure they're doing a good job.
If they bought a new asset, wecould help them put it in there.
If they had a question, wewould make sure that it was
(04:57):
answered right then and makesure that they were reconciling
every month so that they had agood set of books.
Because another thing that washappening was that we wouldn't
hear from people for a while andthen all of a sudden they would
need some financials for, like,a mortgage, or their bank for a
loan or something, and theywould be like hey, carson, hey,
can you get me a P&L?
Well, there had been nobookkeeping done and there's no
(05:20):
way to do an accurate P&L if allof the work hasn't been done.
So I was like maybe we could dolike a monthly thing.
So that's where this idea camefrom originally.
Speaker 1 (05:29):
And one of the things that it kind of evolved from is
us realizing that, you know,when it comes to, let's say,
quickbooks Online, for example,most people, most of our clients
, are capable of doing asignificant portion of the work
themselves and in fact, are thebest people for the job, because
you have, let's say, you havean external bookkeeper and you
are constantly getting emailsfrom them, like, okay, you know,
(05:50):
I categorized the things thatwere obvious, but there's so
many things that so manytransactions that it's not
obvious what that expense was,and so they have to ask you, and
by the time you go back andforth on the emails, a lot of
times it would have been fasterto do some of that yourself.
Speaker 2 (06:02):
Oh, absolutely so many times.
I mean that's.
One of the biggest reasons wedon't like doing bookkeeping for
certain businesses is becausethere's too much back and forth.
It really doesn't make it anyeasier for them and it creates a
pain in the butt for us.
Speaker 1 (06:16):
So if you have 20 Walmart transactions and 40
Amazon transactions.
There's no way we can know whatkind of expense those are.
You know it's different.
If you go to McDonald's, I knowwhat you did there.
You know that's different.
That's a meal, but well, that'sdebatable.
But you know, some peopleconsider that a meal and but
yeah, some of these placesthere's just no way for us to
know or target or whatever.
I mean that could be anything.
(06:36):
So you categorizing those causeyou know that date oh yeah, I
was buying, you know printer inkor whatever then you know what
that was, and so what you can dothen is you can do all the
stuff that you can do and leavethe rest sitting there to ask
somebody on a monthly basis.
Speaker 2 (06:55):
And that was like to us.
If you look at all of youroptions here, you can do it
yourself.
Which people weren't doing?
They weren't keeping up with itor they were doing it
incorrectly.
Speaker 1 (07:06):
Which is even worse than not doing it at all, right.
Speaker 2 (07:08):
Even worse and more costly whenever you have to go
back and fix everything.
Okay, option number two is thatyou could hire an external
bookkeeper and, like we said,that wasn't working out either,
because there's so much back andforth, it's not saving anybody
any time and a lot of timesthey're doing it wrong because
they're guessing and thenthey're like that's not right.
Well, once again, a lot of workto be done to fix what the
(07:29):
bookkeeper had done.
And then option number three ishas the highest price tag,
which is to hire someone to comein your business and run your
QuickBooks and all of that havelike a controller.
But once again, so many thingshappen with our clients doing
that because they weren'tvetting them properly and
they're not doing a good job andthey're creating a giant mess
that we then again had to fix.
(07:50):
And not only are they payingtheir salary, then they have to
pay us to go back and fixeverything.
Speaker 1 (07:55):
Now if you hire an internal accountant and they are
you're paying them less than 50to 60,000 a year.
I promise you don't want themdoing your books.
You're better off to do themyourself.
Speaker 2 (08:03):
Well, and most people can't afford that.
That is when your businessgrows to a really, really big
point.
But if you're going to be doingthat, you need to make sure
that your CPA looks at theirwork and make sure that they're
doing a good job, because ninetimes out of 10, they're not.
They just say that they can doQuickBooks and then they go in
and mess everything up and thenit's so expensive to fix.
Speaker 1 (08:24):
Right, and that doesn't apply to everyone.
I mean, some people do needinternal accountants and they
can afford the proper people towork there, you know.
Or even we have some peoplethat have multiple internal
accountants that get paid, youknow good salaries and they do a
good job.
Speaker 2 (08:37):
But that just doesn't apply to most people that we're
working with.
Speaker 1 (08:40):
And you're not going to get those people because
they're already busy, becausethe people that make millions of
dollars are paying them morethan you can afford to pay.
So, you're not going to findthat person.
Speaker 2 (08:50):
So none of those options are really working for
our clients.
So we're like, okay, let'screate another option.
What as your CPA like whatwould work best for both parties
?
And that's when we were talkingabout the monthly plan and
let's talk a little bit abouthow it works.
So you get a call every singlemonth and it's like a check-in.
(09:11):
Carson always says it's likehaving a personal trainer.
Speaker 1 (09:14):
It is.
It's kind of the equivalent ofthat.
It forces you to do somethingthat you might not do otherwise.
Speaker 2 (09:20):
And we get it.
We're business owners too.
It is not the thing you want todo, but it bites you in the
butt if you don't Right.
So you have to have thataccountability and we tell
people all the time put a, youknow, put a note on your
calendar to do it on the firstevery month or whatever day
works for you, and put it onthere so you don't forget to
actually work inside yourbusiness and it's because you're
(09:42):
too busy doing all the otherthings that are also very
important.
We totally get that.
So accountability is somethingwe wanted in there, and that is
with a call every single month.
And the beauty of that is thatif you're on the plan, it's at a
reduced hourly rate, so onehour and you're paying less than
you would if you were to book acall on our website.
Speaker 1 (10:03):
On top of that, not only is it a little bit less
expensive whenever you're on themonthly plan than if you're
just booking calls with us, italso gets you access to time
slots that aren't available allthe time because we have to
leave those open for some of ourmonthly clients.
Speaker 2 (10:23):
Yeah, this is a private link, because one, the
price is lower and it opensspots that are just for the
monthly accounting clients,right.
Speaker 1 (10:26):
And then another benefit and this isn't really a
reward so much as just it's justpractical is that your tax
returns are going to be thefirst ones getting done, because
we're looking at your booksevery month and when we finish
our January phone call to goover the final stuff from
December and make sureeverything's ready to go, I mean
your tax return's ready to beprepared and we're going to get
(10:47):
it done, because that helps ustoo.
We're able to knock out severalclients right off the bat that
we don't have to worry aboutlater when we're way busier,
because we know the books arecleaned.
Speaker 2 (10:57):
That was absolutely a game changer for us.
But everybody in the beta groupeveryone in the beta group had
their stuff ready to go for taxtime because everything had been
reconciled, ready to go.
And January they got helpgetting all of their W-2s and
1099s out.
All of those questions werecleared and we were able to
start on their tax returns andno extensions needed.
(11:20):
It could be done in January.
Speaker 1 (11:21):
And so many of them were like oh wow, january 16th,
thanks for getting it done soquickly.
I'm like no, no, thank you, welove that.
Because now, that's you know,15 returns that I don't have to
do in March whenever we'reslammed.
So thank you.
Speaker 2 (11:34):
It's like a perfect ready to go set of books to do a
tax return.
That's like Carson's, like bestthing ever.
Speaker 1 (11:42):
And that has a lot of benefits too.
First of all, there's no reasonto stress about taxes for nine
or 10 months and extend and whenyou don't have to just get them
done in January and don't thinkabout them for the rest of the
year.
But also, you know, if you doowe, then you have until April
15th, so that gives you quite abit of time, and if you're
filing right before the deadline, you don't have a lot of time
(12:02):
to move money around or whateveryou need to do Although if
you're one of our monthlyclients, that really shouldn't
be an issue anyway, because partof what we're doing is tax
projections during the year tomake sure that we know what
you're going to owe, that you'repaying in estimated payments or
figuring out some other ways tobuy some assets or something to
save that tax dollars.
Whatever you need to do to makesure that you don't have a big
(12:24):
surprise bill when tax timecomes around.
Speaker 2 (12:27):
That's something that we didn't mention but built
into this plan.
We were like what else would wewant people to do all year long
, ideally, and that's a taxprojection.
We always tell our clients todo it.
Some of them, yes, don't needthem, but most of the business
owners do, and we were runninginto lots of surprises in April
where they shouldn't have beensurprised.
(12:47):
So we built into this plan afree tax projection and that or
December with Carson, and knewexactly what they would be
expecting come April.
And that was so nice, not onlyfor them but for us, because
(13:08):
they weren't surprised.
Speaker 1 (13:09):
Yes, that was fun and I did get to brag a little bit
and be like oh hey, look, I waswithin $3 of the amount that you
were supposed to owe or thatyour refund was going to be, and
so that's always nice.
So, yeah, we like to do that.
We don't want anyone to besurprised.
I don't like that feeling ofI'm going to email somebody and
tell them they owe this bigamount.
I hate that feeling.
Sometimes it happens Peoplemake a lot of money.
(13:31):
They don't talk to us all yearand then we get their financials
and just do their tax return.
I mean, we have clients, thatthat's what they do and we're
happy to do that.
I just feel terrible wheneverI'm like, well, you did awesome
and now you're going to pay forit.
Speaker 2 (13:42):
Yeah, that does happen far too often, and so we
were able to eliminate that withall of our monthly accounting
people.
And also, we do charge $300 fora tax projection, which is, I'm
sure, why some people don't doit is that they don't want to
pay the extra money becauseCarson has to basically prepare
a fake tax return to see whatwhat it's going to look like,
(14:03):
and you get that free with themonthly accounting plan.
So we wanted to make sure thateveryone did it, so you're
actually getting that for free.
Speaker 1 (14:11):
So, and on top of all of that, another one of the
things that is a big benefit isall the tax planning that we
talk about on this podcast, allthe tax planning that some
people schedule consultations todo to help set up a way to save
on their taxes.
That's all something that we doautomatically when we're on
this monthly plan because it'sjust a normal part of the
process, and we do a lot more ofit if and we'll get into that
(14:34):
later if you're doing your part,that's part of the
accountability is.
You know, with that hour we cansit there and I can probably do
a whole month worth ofcategorization and
reconciliations for you.
And the first couple of monthsI work with people.
Sometimes that's exactly whatwe're doing, but that's not our
long-term goal.
I I'll do that for you ifthat's what you want me to do,
and I can usually get it done inthat time.
(14:55):
But ideally I'm setting up rulesin QuickBooks so it does a lot
of the work automatically.
I'm showing you how to do stuffso you can do it yourself.
I'm even teaching you how to dothe reconciliation so you can
do that yourself.
That way, we can spend our timefinding, working on tax
strategies, fixing the problemsthat you can't fix yourself that
spring up, helping you set uppayroll if it's time to add that
(15:17):
because you converted to anS-corp, or looking at
comparisons to last year andseeing you know, yeah, you made
more revenue, but your expenseswent up by even more.
What's going on with that?
How can we fix that?
These are things that we canlook at that are a higher level
and they have a lot more benefitto you.
But but also we do have peoplethat we spend quite a bit of
time helping them withcategorization and stuff, and
(15:38):
we're hoping that over time,they'll get trained on doing
some of that themselves andwe'll be able to provide more
value doing other things.
Speaker 2 (15:45):
Well, and that was one of the biggest questions is
what can you talk about in thecall and anything that you want?
Somebody was asking can we talkabout our personal stuff, our
personal finances?
Absolutely, because really,when it boils down to it, you're
paying all these taxespersonally.
So that was a question thatcame up a lot.
And, just over the beta group,what have we talked about in
(16:06):
these calls?
And we've talked aboutbookkeeping.
Like Carson said, we've goneover QuickBooks issues and got
everything cleaned up taxstrategy.
So we've helped people set upS-Corps.
We've helped people set uptheir kids on payroll.
We've helped people with theAugusta rule all of those things
.
We've helped them plan forasset purchases and we've also
helped with like retirementplanning and then big decisions
(16:29):
on their business or loans.
We've had a few that areconsidering selling a business.
We've helped with so manythings and anything you want to
talk about in that hour, you'refree to talk about it with
Carson.
I mean, if you want to ask himI don't know his his advice on
anything non-tax related, I'msure he'll tell you.
Speaker 1 (16:48):
But really, it's up to you.
We can talk about my favoritefiction books if you want.
Um, you know, I don't know thatyou'll get a lot of value out
of that, but yes, Um, but no, ifwe're talking about accounting
things, then you will get a lotof value.
You'll save money on taxes andother things.
So I think that's where, yeah,the best value is.
But I even had people that youknow.
We talked about retirementoptions, other investing options
, life insurance.
Speaker 2 (17:09):
And Carson's really good at stuff like that R&R not
worth it.
Speaker 1 (17:12):
I've had somebody I think two or three people now.
That's one of my number onegoals in life.
Besides converting people toS-Corps is to get people off of
whole life insurance policies.
Speaker 2 (17:22):
You hate whole life.
Speaker 1 (17:23):
I know we've mentioned that we like Dave
Ramsey and a lot of stuff hesays.
He says the same thing, butthis isn't a Dave Ramsey thing.
This is one of the things thatI had before Dave Ramsey,
because I have a calculator andbecause I'm a numbers person and
if you're a numbers person,please don't have a whole life
insurance policy.
Speaker 2 (17:37):
I helped somebody cancel one got some of their
money back that they had putinto it and they got a proper
term life insurance policy thatcosts a tenth as much for the
same coverage.
It's just a little preview ofwhat you can get with your chats
with Carson every single month.
Speaker 1 (17:51):
That's right Now.
I won't talk about that anymorebecause we have a personal
finance series of podcastepisodes that you can go back
and we talk about why whole lifeis a scam.
So I won't talk about thatanymore.
Just to say that there are alot of ways that you can save
money outside of even yourbusiness, and we're more than
happy to talk about all that.
I won't waste your time If Idon't know about it.
I will just immediately say no,this is who you need to talk to
(18:12):
about that.
Let's move on to something elsethat I'm an expert on.
But you know, when a Tarynmentioned bookkeeping too, I
want to make sure peopleunderstand this isn't just
discussing it.
I'm in your QuickBooks whileyou're in your QuickBooks and
we're going through step by stepand I'm showing you.
Okay, some of the things areone-time things and I'll just do
them real fast to get them outof the way.
Link your checking account,link your credit card to
QuickBooks so that it allimports automatically, and then
(18:34):
it's done.
You never have to do it again.
But other things like this ishow you categorize or if you
have a loan payment, here's howyou split it between interest
and principal.
These are things that peopleget wrong a lot.
But once I show you, once I mean, y'all are smart people you
don't run a businesssuccessfully if you're dumb.
So there's no magic formula Ihave in my head.
There's no magic braincomponent I have that no one
(18:55):
else has.
It's just something I've beentaught and as soon as I teach it
to you, you'll know how to doit too, and I'll teach you how
to do the reconciliations.
And that might take you know itmight take a few times of
showing you.
But once you have all that down, you'll be able to use your
time for other things.
And I do understand that thismight mean that some people
eventually learn everything theyneed to know and they fire us,
and that's okay.
They'll still be clients fortax returns and we won't even
(19:17):
have our feelings hurt becausewe'll feel like that happened,
because you got really good atall the things we taught you to
do, and that'll just open up aspot for someone else.
Speaker 2 (19:25):
Oh, that is.
Another thing that came up wasthat can you cancel at any time?
And, yes, if you don't seevalue in this?
Absolutely.
No one's locked into any sortof contract with us.
But all of our beta group isstill going strong and everyone
has just had amazing feedback.
It's been amazing from them,from their standpoint, and I
actually recorded an episodewith one of our monthly members
(19:46):
so that they can share how it'sbeen for them.
So that is next week's episode,but for us it's just been an
absolute dream.
It's for Carson to be able toget into all of their QuickBooks
, monthly chat with them, checkin what's going on.
He knows what their plans forthe future are.
He knows what's going on intheir business.
He knows almost everythingabout their business by the end
of these nine months and thatmakes our job so much, so much
(20:11):
easier and more enjoyable.
We love working with them everysingle month.
Speaker 1 (20:14):
It is.
It's because it's the thingsthat I've been telling Taryn
since we started this businessthat, oh, I wish people would
just do this and that would maketheir life so much better.
It would save them money, itwould take stress off of them
and it would make our job easierat tax time too.
And then, you know, taryn cameup with this idea, and now
that's exactly what I get to doevery month.
Speaker 2 (20:31):
So and you love when people save more in taxes than
they pay you.
That's what you love.
Speaker 1 (20:36):
Oh yeah, and all of the people on this plan do.
That's the thing is.
You know there's there's timeswhen that doesn't happen.
It's very rare.
But there's times where youknow they just their return
didn't go that way but um, butyou know that's.
That's never the case here,because when we're looking at it
during the year, there's timeto fix things, to do things
differently and to save money.
After the year is over.
Sometimes it's too late,depending on what it is.
Speaker 2 (20:58):
So, yeah, just to wrap it up, it has been an
amazing nine months with thisbeta group.
Because of that, we are openingup a few more spots.
I think we were saying five,but a couple have already been
grabbed.
We released some earlier tojust like our email list, so we
have a few more left.
If that's something that youare considering, I definitely
(21:19):
will put a link in the shownotes.
We have like a 15 minutediscovery call if you have any
other questions.
If not, you can directly emailus and just say, hey, I'm ready
to get started.
Speaker 1 (21:29):
And we also weren't kidding about that.
Some people might, you know,get off of a plan because we
taught them so well I'mspecifically thinking of two in
my head that you know they mightbe getting close to that.
They really know what they'redoing, they're fired up about it
and they'll still be tax returnclients, but and that's okay,
that's great.
That just means we did our jobwell.
And so if you don't get one ofthese five spots, just be on the
(21:50):
lookout, because if people dotransition out of this plan,
then we'll open up the spot forother people.
Speaker 2 (21:57):
Okay, Awesome.
So just to recap before weclose out this episode, the
monthly accounting plan.
It's $2.25 a month and for the$2.25, you will have a monthly
call with us and it's for onehour and in that call you can
talk about anything under thesun.
You can get help with yourQuickBooks Carson will be in
(22:18):
your QuickBooks with you oranything tax, business, finance
related.
In that call you will alsoreceive an email on the first of
every single month from me.
It will give you a private linkto book that call, along with
things that you should bethinking about for your call.
So get your list ready.
I always say, like okay, thismonth we have estimated tax
(22:40):
payments coming.
Like if you need help with that, make sure to bring that up in
your meeting.
I also say, okay, this is themonth that this is due.
So that email is more than justa booking reminder.
It really kind of tells youwhat's going on and what needs
to be on your radar every singlemonth, which is what we would
love for everyone to know, sothat you don't miss deadlines,
(23:01):
so that you plan accordingly,all of that.
And then you get a second email.
If you have not booked yet, youget another one, so that
accountability is really builtin there.
And then, secondly, you get afree tax projection which is
done at the end of every singleyear, and that is all included
in the monthly membership forthe 225.
So anything else you want toadd in there.
Speaker 1 (23:22):
No, I think you covered everything.
Speaker 2 (23:24):
All right.
Well, like I said, check outthe show notes if you need more
information, and stay tuned nextweek, for one of our monthly
clients are going to be on andshe's going to talk about it,
how it's changed her businessand how she loves working with
us and answering the questionsthat we've been getting like
from a different perspective.
Speaker 1 (23:46):
So until next time, thank you so much for listening
to what your CPA Wants you toKnow Podcast.
This podcast is intended toprovide accounting and tax
information for educationalpurposes only.
All tax situations are uniqueand should be handled with the
assistance of a tax professional.
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