A desk buried in receipts, paperwork, and tax documents

Your Mess Is Our Mission.

Tax, accounting, and clean-up for business owners who got behind, and are ready to get on top of it for good.

What We Do

We Step Into the Mess. Then We Clean It Up.

Most of our clients come to us behind. Not because they don't work hard, but because nobody ever sat down with them and helped them get it straight. Back taxes, unfiled returns, books that fell years behind. We take it from there, with Tax Planning, Preparation, Compliance, and Representation, plus accounting clean-up, all under one roof.

Tax Planning

Plan Ahead, Not Behind.

Once we know where you stand, we help you stay ahead of it, strategy built around your business and your life, not around a filing deadline.

▪Proactive, year-round tax planning
▪Entity and payroll tax strategy
▪Estimated payments and timing
▪Multi-year tax projections
▪Decisions made with the tax outcome in mind

Tax Preparation

Filed Right. Filed On Time.

Individual and business returns prepared accurately and completely, including the years you still need to catch up on. No scrambling, no surprises, and no judgment about what you're bringing us.

▪Individual and business tax preparation
▪Quarterly and annual filings
▪Prior-year and catch-up returns
▪Review-ready, accurate returns
▪Filing extensions when you need them

Tax Compliance

Nothing Slips Through Again.

Every filing, payment, and deadline tracked and handled, so the cycle of late notices, penalties, and mounting stress finally comes to an end.

▪Filing and regulatory compliance
▪Deadline and estimated payment tracking
▪IRS and state correspondence support
▪Recordkeeping and documentation

Tax Representation

You Won't Face Them Alone.

IRS letters, audits, back taxes, and unfiled returns are frightening when you're carrying them by yourself. We step in, take the calls, handle the correspondence, and stand with you until it's resolved.

▪IRS notices and assistance
▪Audit representation
▪Back-tax and unfiled return resolution
▪Payment plans and negotiation

Accounting Clean-Up

Fix the Mess. Move Forward.

If your books are months or years behind, you are not alone and you are not beyond help. We clean them up, get your records current, and keep them that way so you can finally see where your business stands.

▪Catch-up and back bookkeeping
▪Reconciliations and corrections
▪Transaction categorization
▪Monthly bookkeeping to stay current
▪Clear reporting you can actually use

Who We Serve

Everyday People Build
Extraordinary Things.

Our clients have different stories, but most of them arrive carrying something similar.

▪Owners who fell behind on their books and can't tell where the money went.

▪Business owners with back taxes, unfiled returns, or IRS letters they're afraid to open.

▪Self-employed and first-time owners doing their own bookkeeping late at night.

▪Contractors, shops, and service businesses growing faster than their systems.

▪Established companies whose accounting is months, or years, behind.

▪Anyone who has ever felt embarrassed to hand their records to an accountant.

What they have in common is simple:

They're building something.

Rooftop Financial exists to help them build it with intention, to get their books clean, their taxes current, and to keep more of what they earn.

Our Ultimate Mission

What We're Building Toward.

Mission

Rooftop Financial is a ministry before it is a business. Our mission is to help everyday, hardworking people get on top of their finances, with clean books, current taxes, and a plan they actually understand.

We do it by stepping into the mess with our clients instead of lecturing from the outside: Tax Planning, Preparation, Compliance, and Representation, plus accounting clean-up, all under one roof.

Our Story

We Are Rooftop.

In Mark 2:1-12, four friends carry a paralyzed man to Jesus. When the crowd blocked the door, they didn't turn back. They carried him up, tore through the rooftop, and lowered him down (Mark 2:4). It took extreme effort, unwavering commitment to their friend, and a willingness to break through whatever stood between him and healing.

That story is the heartbeat of Rooftop.

Our founder, Frank, knows what it's like to be the man on the mat. He ran a construction operation that failed, and it took everything with it: the debt, the back taxes, the letters he was scared to open, and the books he stopped looking at because he didn't want to see the truth.

When it all came apart, there was no one to help him clean it up. No accountant stepped in. Nobody sat with him and sorted through the mess. He had to do it himself, one stack of paperwork at a time, one hard decision at a time, learning as he went because there was no other option.

Getting to the other side is what sparked Rooftop Financial. Frank knew there were thousands of small business owners in that same position, hardworking people buried in back taxes and messy books with nobody in their corner. He wanted to make sure they didn't have to climb out alone the way he did. What began as his own turnaround became a ministry: helping small business owners get on top of their finances, and stay there.

That's the work we do every day. We step into the mess. We clean up the books, catch up the filings, stand beside our clients in front of the IRS, and help them build a plan so they never end up back there again.

Like the friends who tore through the roof, we carry what our clients have been carrying by themselves. We get on the roof. We do the heavy lifting. And we lower down the order, the clarity, and the peace of mind they need most. Tax Planning, Preparation, Compliance, and Representation, along with accounting clean-up.

What Guides Us

Our Core Values.

Five convictions, rooted in Scripture and lived out in every engagement, shape how we serve the small businesses that build our world.

Discipline

Hebrews 12:11

"No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it."

We maintain strict operational systems, accurate financial models, and reliable routines that protect our clients' time and capital.

Stewardship

1 Corinthians 4:2

"Moreover, it is required of stewards that they be found faithful."

We treat every client's resources as a sacred trust, managing them with the highest level of fiduciary responsibility, waste elimination, and long-term strategic care.

Transformation

Romans 12:2

"Do not conform to the pattern of this world, but be transformed by the renewing of your mind."

We refuse to accept the chaotic status quo. Instead, we elevate and modernize small businesses through continuous education and modern financial infrastructure.

Transparency

1 John 1:7

"But if we walk in the light, as he is in the light, we have fellowship with one another..."

We operate entirely in the light, delivering honest data, clear reporting, upfront pricing, and absolute clarity to our team and clients without hidden agendas or confusing jargon.

Love

1 Corinthians 16:14

"Let all that you do be done in love."

We lead with genuine empathy, stepping into the mess with our clients instead of judging it, honoring the dignity of their hard work, and prioritizing their long-term well-being over short-term profits.

We're Ready When You Are

Tell Us What's Standing in the Way.

You don't have to be caught up to call us, and you don't have to have anything figured out. Bring us the back taxes, the messy books, the notices you're afraid to open, or the years you'd rather not talk about. We've seen it, we've cleaned it up, and we'll start exactly where you are.