Lowden Financial works with small businesses across a variety of industries, with a particular focus on service-based businesses. Our accounting experience spans multiple industries, allowing us to understand different business models while tailoring our bookkeeping and accounting services to the specific needs of each client.

Because every business is different, we consider factors such as industry, business complexity, transaction volume, accounting systems, and reporting needs when determining whether Lowden Financial is the right fit.

Lowden Financial is a CPA-led accounting firm founded by Thomas Lowden, CPA. Thomas brings experience supporting both public and private companies across a variety of industries, with a professional background spanning bookkeeping, financial reporting, technical accounting, and complex accounting matters.

That experience is applied to helping small businesses maintain reliable financial records, navigate accounting issues, and better understand their financial performance. Lowden Financial is also a QuickBooks Online ProAdvisor, combining accounting expertise with the technology businesses rely on to manage their books.

Lowden Financial goes beyond recording and categorizing transactions. As a CPA-led accounting firm, we combine ongoing bookkeeping with account reconciliations, necessary adjustments and reclassifications, financial and management reporting, and ongoing accounting support to help ensure your financial information is reliable and useful.

We also provide every ongoing bookkeeping client with quarterly financial analysis and a quarterly meeting to discuss their results. Our approach is centered around providing financial information that is Functional, Accurate, Clear, and Timely—what we call FACT—so you can better understand your business and make informed decisions.

Outsourcing your bookkeeping and accounting allows you to focus on running your business while an accounting professional handles the ongoing maintenance of your financial records. It can also give you access to greater accounting expertise without the cost and responsibility of hiring an in-house accounting employee.

With Lowden Financial, outsourcing goes beyond keeping your books up to date. We provide consistent financial and management reporting, quarterly financial analysis, quarterly meetings to discuss your results, and ongoing accounting support to help you better understand your financial information and make informed business decisions.

Our ongoing bookkeeping and accounting services include monthly bookkeeping and closing, transaction categorization and recording, account reconciliations, necessary adjustments and reclassifications, financial and management reporting, quarterly financial analysis, 1099 preparation and filing, QuickBooks Online maintenance, and ongoing accounting support.

Our core services are generally consistent across ongoing clients. Your fixed monthly fee is customized based on factors such as transaction volume, number of bank and credit card accounts, accounting complexity, third-party platforms and integrations, and your business's reporting needs. Additional services may also be incorporated into your engagement when needed.

Lowden Financial provides ongoing bookkeeping and accounting services on a monthly basis. Each month, we update your accounting records, complete account reconciliations, make necessary adjustments and reclassifications, and complete the monthly closing process to help ensure your financial information remains accurate and up to date.

Maintaining your books consistently throughout the year also provides the reliable financial information needed for meaningful reporting and our quarterly financial analysis.

Every ongoing bookkeeping and accounting client receives a quarterly financial analysis designed to help you better understand how your business is performing. Each quarter, we compare your current financial performance to the prior quarter and the same quarter of the prior year to identify significant changes, trends, and areas that may warrant a closer look.

We also meet with you each quarter to walk through the analysis, discuss what is driving changes in your financial results, and answer questions about your business's performance. The goal is to give you more than accurate books—it is to help you understand what your numbers are telling you.

We meet with our ongoing bookkeeping and accounting clients each quarter to review their quarterly financial analysis and discuss their business's financial performance. During these meetings, we walk through significant changes and trends, answer questions, and help you better understand what is driving your results.

Additional meetings may also be scheduled when needed based on your business and accounting needs.

Yes. Lowden Financial provides catch-up bookkeeping and accounting clean-up services for businesses with incomplete, outdated, or inaccurate financial records. Clean-up engagements can cover several months or multiple years depending on the condition of your books and the issues that need to be addressed.

Before beginning a clean-up engagement, we assess your existing accounting records to identify issues and determine the appropriate scope of work. We then provide a customized proposal outlining the work needed to bring your books up to date and establish a reliable foundation going forward.

Yes. Lowden Financial can provide bookkeeping and accounting services for business owners with multiple companies or legal entities. We maintain separate accounting records for each entity while taking the time to understand how the businesses relate to one another and appropriately account for transactions between them.

Because multi-entity businesses can involve additional accounting complexity, the number of entities and the level of intercompany activity are considered when determining the scope and pricing of the engagement.

Lowden Financial works primarily with QuickBooks Online for our bookkeeping and accounting services. As a QuickBooks Online ProAdvisor, we can help set up, organize, and optimize QuickBooks Online to support the needs of your business.

We also work with third-party platforms and applications that integrate with QuickBooks Online, such as payment processors and point-of-sale systems, to help streamline workflows and ensure information is accurately reflected in your accounting records.

Ongoing bookkeeping and accounting services are provided for a customized fixed monthly fee, with engagements starting at $350 per month. Pricing varies based on factors such as transaction volume, number of bank and credit card accounts, accounting complexity, third-party platforms and integrations, and reporting needs.

Accounting clean-up engagements are custom-priced based on the scope and condition of your existing records. Fractional CFO and Controller Services are available exclusively to ongoing bookkeeping and accounting clients and are billed hourly based on the level of support needed.

No. Our ongoing bookkeeping and accounting engagements do not require a long-term commitment. Services are provided on an ongoing basis under an engagement letter that outlines the scope of services, responsibilities, and fixed monthly fee.

We believe a successful accounting relationship should be built on the value and quality of the service provided, not on locking clients into a long-term contract.

Yes. Lowden Financial provides Fractional CFO and Controller Services for ongoing bookkeeping and accounting clients who need deeper financial analysis, planning, and strategic guidance. Services may include budgeting, financial forecasting, cash flow management, KPI and performance analysis, financial modeling, scenario planning, benchmarking, and strategic financial planning.

Fractional CFO and Controller Services are not offered as a standalone engagement. Because we maintain your books and work directly with your financial information, we have a detailed understanding of the numbers behind your business and can provide guidance grounded in accurate, current financial information. These services are billed hourly based on the level of support needed.

Lowden Financial is a fully remote accounting firm, allowing us to work efficiently with businesses in San Francisco, throughout the Bay Area, and nationwide. Meetings are typically conducted virtually, making it easy to stay connected regardless of where your business is located.

For clients located in the Bay Area, in-person meetings may also be available when appropriate.