With the high cost of doing business today, small and medium-sized business owners are increasingly aware of the benefits of timely financial information to their operations and livelihoods. As specialists in small business, Gift & Associates provides the following regular monthly services:

Business Consultation...the backbone of all the Gift & Associates services. A personal discussion of your financial statements or other business matters is available when you need it and is as close as your phone.

Complete Tax Planning and Preparation of Tax Records...federal, state and local taxes, covering sales tax and unemployment tax. Social Security taxes, income taxes and franchise taxes too, if applicable - we prepare and maintain whatever is necessary to protect your interests, save you time and provide them to you for your review prior to filing date.

Monthly Operating Statements...a monthly breakdown of sales, cost of sales and expenses (profit and loss) for the previous month and a total for all the months of the year to date. Percentages for both help you compare performance to the year to date and spot problem areas so you can take immediate action.

Operating Statement Performance Graphs...each month you will receive Gift & Associates Operating Statement Performance Graphs developed from the financial information in your business operating statement to give you a concise visual picture of business trends. The line graph presents a two year comparison of sales for the current year and previous year. The pie chart shows fiscal year to date expenses, and the bar graph presents your total sales, expenses and profit margin for the year in a monthly breakdown.

Earnings Report...payroll and tax information on every employee.

Balance Sheet...prepared every month. It summarizes your total business assets, liabilities and net worth at a given point in time so you can make decisions about capital expenditures, or how to improve profits.

Bank Reconciliations...a proving out of the bank's figures with your checkbook balance each month to ensure you are working with the correct total.

Detail General Ledger...a record of the dates, check numbers, payees and amounts of all expenses within each of your business accounts for the month and year to date.

Comparative Operating Statement...to budget or prior year with variances shown for both and for month and year to date.

Financial Ratio Analysis...a method of analyzing important relationships such as rate of inventory turnover, aging of accounts receivable and working capital. A managerial tool that keeps you in control of your business plan.

Loan Application and Business Planning...our exclusive Loan Assurance Application provides you with detailed, organized and clear business plan and/or loan application. It's a great way to put forth a strong business image as you plan for your future financial needs.

Accounts Payable Check Writing...fast, efficient and trouble-free, our accounts payable check writing service produces professional, computer-generated checks, plus provides a detailed management analysis by disbursement period. With Gift & Associates, accounts payable check writing is no longer a tedious process, but a smooth function of your business.