I keep books that are accurate, current, and actually readable — and then I tell you what they mean in plain language. Seventeen years of explaining P&Ls to people who'd rather not think about them taught me to cut to the chase.
Sapulpa, Oklahoma · serving the Tulsa area and remote clients nationwide
In corporate finance — monthly P&L reviews, budgeting, variance analysis, and explaining the results to people who don't work in finance
Stores covered by the multi-unit programs I manage — 550 of them franchise locations
Nonprofit bookkeeping — seven sororities reviewed and budgeted monthly, plus a school booster club
MBA · Certified QuickBooks Online ProAdvisor · Enrolled Agent candidate
About
I'm Sarah Morgan. I started reconciling other people's books before I had software to do it with — which turns out to be the best way to learn what reconciling actually is.
That was five years on a volunteer service team for Alpha Gamma Delta, supporting seven sorority chapters at once — reviewing each one's books every month, building their budgets and running variance analysis against them, and picking up ad hoc projects as they came. The biggest was a cleanup: three years of disordered records that had to be reconstructed and put back in order, and then the chapter's Form 990 prepared for them to file. If you have ever opened a drawer of receipts belonging to someone who left two years ago, you know the feeling. I know how that project ends, because I finished one.
From there, seventeen years in corporate finance — fifteen of it in client finance, then two and a half on the operational side. Reviewing and categorizing expenses, building budgets, running variance analysis — and the part that turned out to matter most, reporting P&Ls to department heads who did not work in finance and did not want to. You learn quickly that "the unfavorable variance is driven by unfavorable volume mix" helps nobody. What helps is: you spent more than you planned on this one thing, here's why, and here's what I'd watch next month.
For the past two and a half years I've worked in client management and operations on the multi-unit side of retail, running programs across 675 stores — 550 of them franchise locations. It's a fast education in what separates the small businesses that thrive from the ones that struggle — and how often the difference comes down to whether the owner could see their own numbers in time to act on them.
Alongside all of it, I've kept the books for a local school booster club for the past three years. Volunteer work, but the same discipline: someone has to reconcile the account, track the restricted funds, and be able to tell the board where the money went.
The operational finance stretch is where I helped build a small business from the ground up — a different education entirely from analyzing one from the outside. You learn how many decisions get made early on incomplete information, how fast record-keeping slides to the bottom of the list when there's actual work to do, and how much that costs later.
Today I keep the books for two family businesses — Morgan Bros Tzus, a purebred Shih Tzu breeding operation, and TBA Sports Cards — and prepare the year-end reporting packages their tax firm works from. Both were set up properly from the start: entity and owner records kept separate, documentation captured as it happens instead of reconstructed in a panic each spring, and financials clean enough that the tax preparer comes back with no questions.
I'll be straight that those are family. But it's the same work, done the same way, that I'd do for you — and it's why I can tell you what a properly built set of books does for a small operation rather than just assert it.
Which is the part of this I care most about. I have a real soft spot for people trying to get a business up and going the right way — the ones who want clean books and proper records from the first month instead of a reckoning three years in. That groundwork is unglamorous and nobody claps for it, and it is most of what determines whether the thing survives.
I started TBA Bookkeeping & Services because small businesses deserve the same quality of financial information a corporate finance department produces — without having to build one. So I don't just categorize transactions and send a report into the void. I reconcile carefully, close on schedule, and tell you in plain language what changed and what I noticed.
I hold an MBA from Oklahoma State University and an undergraduate degree in international business and marketing from the University of Oklahoma, with minors in finance and Spanish, and I'm a certified QuickBooks Online ProAdvisor. I'm currently studying for the IRS Enrolled Agent examination so I can add tax preparation and representation to what TBA offers.
TBA is a family business, and I mean that literally: my son Brett works alongside me as a bookkeeping apprentice, learning reconciliation and month-end close the same way I did — one account at a time, until it balances.
John and I have been married twenty-one years and raised three boys here. The oldest is off at college; the other two are still at home. This is my community, and the businesses in it aren't abstractions to me — I buy from them, my kids work for them, and I'd like them to still be here in ten years.
One more thing you should hear from me rather than find out later: I run TBA alongside a full-time role in client management and operations. That's a deliberate choice, not a placeholder — it keeps me current on how real businesses actually operate, and it's a good part of why I understand yours.
What it means for you in practice: your close date is set and I hold to it, and I'm available early mornings, evenings, and weekends. When you want to sit down and walk through your statements, we do it by video or in person, at a time that doesn't cost you a working afternoon — which, if you're running a shop or a crew, you don't have to spare either. And none of this depends on you being nearby — the work lives in QuickBooks Online, so a client three states away gets the same close date and the same walkthrough as one down the road in Sapulpa.
Services
Every engagement starts with a conversation and a look at your current books. Pricing depends on transaction volume, number of accounts, and how much cleanup the books need to start — so I quote it after I've seen the actual situation, not before.
For owners who need the books correct and on time, and handle the rest themselves.
The essentials, done properly and every month without you chasing them.
For businesses where money is moving in several directions and someone needs to be watching all of them.
Everything in Track, plus the day-to-day money operations most owners would rather hand off.
For owners making decisions — hiring, expanding, buying, borrowing — who need to see further out than last month.
Everything in Balance, plus the forward-looking reporting I spent seventeen years building in corporate finance, scaled to a business your size.
Add-on or standalone project
Starting a business comes with a list of filings and registrations nobody hands you, and most people find out what was on it a year later. I'll work through it with you, or handle the paperwork while you get on with the actual work of starting the thing.
Available on its own, or bundled with any of the tiers above if you're continuing into monthly bookkeeping. I'm not an attorney and don't give legal advice — I handle the filings and the records, and refer you out when a question is genuinely a legal one.
A note on scope: TBA provides bookkeeping and financial reporting. I can show you what your numbers are doing and flag things worth asking about — and I'm glad to work directly with your CPA or tax preparer — but today I don't prepare returns or give tax advice.
Coming to TBA
I'm in the process of obtaining a Preparer Tax Identification Number from the IRS. Once it's issued, TBA will prepare simple individual returns for bookkeeping clients, and Form 990-series filings for small nonprofits — the same work I did years ago reconstructing a chapter's records and preparing its 990, done properly and on schedule.
Further out, I'm studying for the IRS Enrolled Agent examination. That credential adds a standing strategy review: entity structure, deductions being left on the table, retirement and benefit options, and how the year is shaping up before it closes — instead of the conversation most owners have in March, when every decision that mattered is already behind them.
Neither service is offered today. I'll update this page as each becomes available.
Who I work with
Contractors, trades, salons, landscapers, shops. Job-level costing, seasonal cash flow, and books that stay current through your busy season instead of falling six months behind in it.
Franchise accounting has its own shape — royalty and ad-fund reporting, a chart of accounts the franchisor dictates, and financials that have to match what corporate expects to see. I spend my working days inside a 675-store franchise system, so I know what those reports need to look like before you ask.
Rental owners and small portfolios. Per-property tracking so you can see which door is actually making money, plus clean records for depreciation schedules and lender requests.
Consultants, freelancers, and independent professionals. Clean separation of business and personal, quarterly estimate figures your preparer can rely on, and no shoebox in December.
My favorite work. Entity and owner records separated from day one, a chart of accounts that will still make sense in year three, and a monthly close routine that starts before there's a backlog to dig out of.
I'll also walk you through the setup most people find out about too late — filing and renewing your state registrations, getting a real business bank account opened and kept separate, and the rest of the unglamorous list I learned building my own businesses. Cheaper and far less painful than fixing it in year three.
And when something falls outside what I do, I'll put you in touch with someone who does it — an insurance advisor, an attorney, a CPA. Knowing who to call is most of getting a business off the ground.
This is where I started. Restricted-fund tracking, board-ready financial statements, and cleanup when the records have gotten away from a volunteer treasurer — including reconstructing years of books so a Form 990 could be filed.
How it starts
About thirty minutes, no charge. You tell me what the business does and where the books stand. I tell you honestly whether I'm the right fit — sometimes the answer is a CPA instead, and I'll say so.
I review your current records to see what's there and what's missing. You get a written proposal: the tier that fits, what any cleanup would involve, and a fixed monthly price.
We sign an engagement letter and set a close date. Every month after that, your books close on schedule and your statements arrive with a note about what I saw.
Contact
Fill this in and I'll get back to you within one business day. Nothing here commits you to anything.
If you'd rather skip the form, email me directly. I read everything myself — there's no front desk between you and me.
Based in Sapulpa, Oklahoma. I work with clients throughout the Tulsa area in person, and remotely anywhere in the United States — the work happens in QuickBooks Online either way.
If you're a CPA or tax preparer whose clients keep showing up in March with a year of unsorted transactions: I'd like to be a resource for your firm. Reach out and let's talk about how that could work.
