A one-time, deep-dive engagement for those seeking a professional "second opinion" or a launchpad for their goals.

Ideal for: Early-career professionals, newlyweds, or those managing their own investments who need a professional roadmap.

Core Deliverables:

Net Worth & Cash Flow Analysis: A comprehensive audit of what you own vs. what you owe.

Debt Optimization Strategy: A prioritized plan for tackling student loans, mortgages, or high-interest debt.

Emergency Fund Modeling: Calculating your specific "peace of mind" number.

Goal-Setting Workshop: Defining timelines for home purchases, education funding, or early retirement.

Our signature service for individuals looking to delegate their financial management to an expert partner.

Ideal for: Mid-career professionals, families, and those approaching retirement.

Core Deliverables:

Everything in the Foundation Tier, plus:

Retirement Projection Mapping: Annual "stress tests" of your retirement readiness.

Retirement Withdrawal Sequencing: Reduces taxes and preserves your wealth longer.

Social Security Optimization: Maximizes monthly checks and boosts lifetime income.

Bi-Annual Performance Reviews: Face-to-face (or virtual) meetings to ensure life changes are reflected in your plan.

For pre-business individuals, 1099 workers, and first-time entrepreneurs who aren’t yet operating as a formal business. Manual tracking only — no QuickBooks required.

- Manual income & expense tracking (no QBO required)

- 1099 income log & business expense documentation

- Work travel, meals, clothing & dry cleaning write-off tracking

- Monthly P&L capture for personal tax readiness

- Tax-ready package for Schedule C filing

- Heartwood CPA organizes all records for seamless software transition

- Engagement graduates to standard tier after 6 months

For Year 1 entrepreneurs, gig economy workers, and recent Essential Starter graduates stepping into formal bookkeeping.

- Bank & credit card reconciliation

- Income & expense categorization

- Monthly P&L statement

- 1099 & gig income tracking

- Self-employment tax awareness & SE deduction tracking

- Tax-ready annual package

- Startup business registration guidance (add-on available)

- Path to Foundation or Professional when business grows

FOUNDATION

Established solopreneurs & 1099 contractors — up to 75 transactions, 1–2 accounts.

- Bank & credit card reconciliation

- Income & expense categorization

- Monthly P&L & balance sheet

- QBO setup & optimization

- Tax-ready annual package

- Email support

PROFESSIONAL

Self-employed with contractors or multiple revenue streams — up to 150 transactions.

- Everything in Foundation

- Accounts payable & receivable

- Invoice & 1099 contractor management

- Financial analysis & reporting

- Cash flow review

- Monthly advisory call (30 min)

STRATEGIC

High-revenue solopreneurs needing strategic guidance — 150+ transactions, complex structure.

- Everything in Professional

- Financial planning & projections

- Budget vs. actual analysis

- KPI dashboard & benchmarking

- Bi-weekly CAS advisory calls

- Annual written financial plan

ESSENTIAL

1-5 Employees

Small teams — full bookkeeping plus payroll for up to 5 employees.

- Bank & credit card reconciliation

- Monthly P&L & balance sheet

- Payroll (1–5 employees)

- Payroll tax filings

- Tax-ready annual package

PROFESSIONAL

6-15 Employees

Growing teams — full-service bookkeeping, payroll, HR basics, and financial advisory.

- Everything in Essential

- Payroll (6–15 employees)

- HR compliance basics

- Financial analysis & reporting

- AP/AR management

- Monthly advisory call

EXECUTIVE

16-25 Employees

Established organizations — full HR compliance, forecasting, and fractional CFO.

- Everything in Professional

- Payroll (16–25 employees)

- Full HR compliance support

- Financial forecasting

- KPI dashboard

- Bi-weekly CFO advisory

Cash Flow Forecasting & Analysis - Monthly Add-On

Break-Even & Profitability Analysis - Upfront Project

Budget Development - Upfront Project

Fractional CFO Advisory - Monthly Add-On

Financial Projections & Forecasting - Upfront Project

Startup Business Package - Upfront Project

Historical Records Cleanup - Upfront Project

Personal/Business Account Separation - Monthly Premium

Payroll Add-on - Monthly Add-On

1099-NEC Filing Package - Annual / Per Filing

Payroll Tax Filing Catch-Up - Upfront Project

Nonprofit Business Setup & Fund Accounting - Upfront Project

Nonprofit Compliance Reporting - Monthly Add-On

Designed for individuals and families with straightforward tax situations.

Best for: W-2 employees, renters/homeowners, and students.

Key Features:

- Federal & State Income Tax Preparation.

- Standard Deduction & Credit Review (Child Tax Credit, EITC).

- Secure Digital Document Upload & Portal Access.

- Electronic Filing & Direct Deposit Setup.

Comprehensive filing for those with diverse investments or itemized deductions.

Best for: Homeowners with high medical/charitable expenses, stock market investors, and retirees.

Key Features:

- Schedule A (Itemized Deductions) & Schedule B (Interest/Dividends).

- Capital Gains/Losses Reporting (Schedule D).

- Retirement Distribution Analysis (1099-R).

- Mid-year Tax Planning Consultation (15 mins).

Specialized compliance for the self-employed and small business owners.

Best for: LLCs, Sole Proprietors, 1099 Contractors, and Gig Workers.

Key Features:

- Schedule C (Profit/Loss from Business) Optimization.

- Self-Employment Tax Calculations & Deductions.

- Home Office & Vehicle Expense Tracking Review.

- Quarterly Estimated Tax Payment Vouchers.

Full-scale tax management for high-complexity portfolios.

Best for: Real estate investors (Schedule E), K-1 recipients, and multi-state filers.

Key Features:

- Rental Property Depreciation & Expense Management.

- Multi-State Filing Coordination.

- Year-Round Audit Support Guarantee.

- Comprehensive Annual Tax Strategy Session.

A streamlined digital filing system for your core financial and identity documents.

Best for: Individuals looking to digitize their physical records and centralize their financial footprint.

Key Features:

Primary Document Hosting: Secure storage for Passports, Social Security cards, and Birth Certificates.

Tax Record Archive: Dedicated folders for seven years of tax returns and supporting W-2s/1099s.

Insurance Policy Repository: Instant access to Home, Auto, and Life insurance declarations.

Military-Grade Encryption: AES-256 bit encryption to ensure your data remains private and unreadable to outsiders.

A comprehensive vault designed to coordinate with your legal estate plan and healthcare directives.

Best for: Families and retirees who want to ensure their heirs have a clear roadmap in the event of an emergency.

Key Features:

Guided Setup: We host a dedicated session to help you scan and upload your "Life Essentials."

Legal Document Center: Storage for Wills, Living Trusts, and Powers of Attorney.

Healthcare Directive Access: Instant mobile access to your Medical Proxy and Advanced Directives for hospital scenarios.

Financial Mapping: A comprehensive list of all bank accounts, insurance policies, and assets.

Succession Access: We establish an "Emergency Contact" authorized to gain access if needed.

Note: A one-time setup fee may apply based on historical data volume.

Our most robust solution, covering everything from financial accounts to digital assets.

Ideal for: Governments, Churches, and Non-Profits protecting their organization's "Brain."

Core Deliverables:

Corporate Governance: Storage for Articles of Incorporation, Operating Agreements, and Lease Contracts.

Audit-Ready: Organized folders featuring Board Minutes, Donation Receipts, and tax filings.

Continuity Planning: Ensures your successor has the roadmap they need to maintain operations.

Note: A one-time setup fee may apply based on historical data volume.