MARIELA RUIZ, CPA, PLLC

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Understanding the Difference Between Tax Preparation and Tax Planning

March 3, 2025 / / 0 Comments

Navigating the complexities of taxation is a critical aspect of financial management for individuals and businesses alike. Two fundamental components in this realm are tax preparation and tax planning. While these terms are often used interchangeably, they represent distinct processes with unique objectives. Understanding the differences between them is essential for effective financial strategy and compliance.

Tax Preparation

This is the process of compiling and submitting tax returns to comply with federal and state regulations. This process involves gathering financial records, calculating tax liabilities, and ensuring that all necessary forms are accurately completed and filed by the designated deadlines. Typically, tax preparation occurs annually, focusing on the financial activities of the preceding year. The primary goal is to report income, deductions, and credits accurately to determine the correct tax obligation. This task can be undertaken individually or with the assistance of professionals such as Certified Public Accountants (CPAs) or tax preparers.

Tax Planning

On the other hand, this is a proactive, year-round process aimed at optimizing one’s financial situation to minimize tax liabilities. It involves strategic decision-making to take advantage of tax-saving opportunities, such as timing income and expenses, selecting appropriate investment vehicles, and utilizing deductions and credits effectively. Tax planning requires a thorough understanding of current tax laws and regulations to align financial decisions with long-term goals. Engaging in tax planning can lead to significant tax savings and improved financial outcomes over time.

To effectively address the nuances between tax preparation and tax planning, consider the following approaches:

Engage in Year-Round Tax Planning

Instead of confining tax-related activities to the filing season, adopt a continuous tax planning strategy. Regularly review financial transactions and anticipate their tax implications to make informed decisions throughout the year. This proactive approach can lead to substantial tax savings and prevent last-minute scrambles.

Consult with Tax Professionals

Collaborate with qualified tax advisors who specialize in both tax preparation and tax planning. These professionals can provide personalized guidance, ensuring compliance while identifying opportunities to reduce tax burdens. Their expertise is invaluable in navigating complex tax codes and implementing effective tax strategies.

Related: Learn more about why you need to hire a tax professional here.

Implement Strategic Financial Decisions

Make financial choices that align with tax-efficient practices. This includes maximizing contributions to retirement accounts, utilizing tax-advantaged investments, and planning the timing of income and expenses to optimize tax outcomes. Such strategies require careful analysis and foresight but can result in significant long-term benefits.

Stay Informed on Tax Law Changes

Tax laws are subject to change, and staying updated is crucial. Regularly educate yourself on new tax regulations and adjust your financial strategies accordingly. This vigilance ensures that you remain compliant and continue to capitalize on available tax advantages.

Conclusion:

Distinguishing between tax preparation and tax planning is vital for effective financial management. Tax preparation focuses on accurately reporting past financial activities to fulfill legal obligations, while tax planning is a forward-looking endeavor aimed at optimizing future tax outcomes. By integrating both processes and adopting a proactive approach, individuals and businesses can achieve compliance and enhance their financial well-being. Engaging with knowledgeable tax professionals and staying informed about evolving tax laws are key components of a successful tax strategy. If you’re ready to streamline your financial management, consider hiring a professional bookkeeper service from us today. Contact us at (956) 997-0067 or visit our website http://www. mruiz-cpa.com for more information.

Why Every Small Business Needs a Bookkeeper

February 4, 2025 / / 0 Comments

Running a small business comes with a long list of responsibilities, from managing operations to ensuring excellent customer service. Amidst all these tasks, bookkeeping can often take a back seat. However, maintaining accurate financial records is crucial to the success of any business. Here’s why every small business needs a professional bookkeeper.

1. Keeps Your Finances Organized

A bookkeeper ensures that all your financial transactions are recorded and categorized correctly. This helps you maintain a clear picture of your income, expenses, and overall financial health. Without proper bookkeeping, financial confusion can lead to costly mistakes.

2. Saves You Time

As a business owner, your time is valuable. Bookkeeping is a time-consuming task that requires attention to detail. By hiring a bookkeeper, you can focus on growing your business while leaving financial record-keeping to an expert.

3. Helps with Tax Preparation

Tax season can be stressful, especially if your financial records are disorganized. A bookkeeper keeps your financial documents up to date throughout the year, making tax filing smooth and hassle-free. They also help ensure that you maximize deductions and stay compliant with tax regulations.

Related: Learn more about what to do if you’re a small business preparing for tax season here.

4. Prevents Costly Errors

Errors in bookkeeping can lead to significant financial issues, including penalties, missed payments, and incorrect tax filings. A professional bookkeeper ensures accuracy in your records, reducing the risk of costly mistakes.

5. Provides Valuable Financial Insights

Understanding your financial data is key to making informed business decisions. A bookkeeper can provide reports and insights that help you identify trends, cut unnecessary costs, and improve profitability.

6. Supports Business Growth

As your business grows, so do your financial responsibilities. A bookkeeper helps manage cash flow, monitor expenses, and prepare for expansion. Having a clear financial picture makes it easier to secure loans or attract investors.

Conclusion

A bookkeeper is an essential part of any small business. They help keep your finances in order, save you time, and provide valuable insights that contribute to your success. Whether you’re just starting out or looking to scale your operations, investing in a bookkeeper can make a significant difference. If you’re ready to streamline your financial management, consider hiring a professional bookkeeper service from us today. Contact us at (956) 997-0067 or visit our website http://www. mruiz-cpa.com for more information.

How to Use a 1031 Exchange to Defer Taxes on a Business Sale

January 14, 2025 / / 0 Comments

Selling a business is a significant financial decision, but the tax implications can be daunting. A 1031 exchange is a powerful tool that allows business owners to defer capital gains taxes by reinvesting the proceeds into like-kind property. This strategy can save you money and help you grow your wealth. In this blog, we’ll explore the benefits and process of using a 1031 exchange.

Understanding the Basics of a 1031 Exchange

A 1031 exchange, also known as a like-kind exchange, allows you to defer paying capital gains taxes on the sale of a business property by reinvesting the proceeds into another qualifying property. To qualify, the new property must be of like-kind, which broadly includes real estate used for business or investment purposes. Working with experienced tax professionals can help you ensure compliance with IRS regulations.

Benefits of Using a 1031 Exchange

  1. Tax Deferral: By reinvesting in like-kind property, you can defer paying capital gains taxes, which frees up more capital to reinvest.
  2. Wealth Building: The ability to defer taxes allows you to leverage more funds to acquire higher-value properties, increasing your portfolio’s potential for growth.
  3. Estate Planning: A 1031 exchange can also play a role in estate planning, enabling heirs to inherit properties at a stepped-up basis, and potentially reducing their tax burden.

Key Steps in Executing a 1031 Exchange

  1. Identify Replacement Property: Within 45 days of selling your property, you must identify potential replacement properties in writing.
  2. Close within the Deadline: The exchange must be completed within 180 days from the sale of the original property.
  3. Use a Qualified Intermediary: A qualified intermediary is essential to facilitate the transaction and ensure IRS compliance.

Common Missteps to Avoid

  1. Missing Deadlines: Strict adherence to the 45-day and 180-day deadlines is crucial.
  2. Non-Like-Kind Property: Ensure the replacement property meets the IRS’s like-kind criteria.
  3. Improper Documentation: Accurate records and professional guidance are vital for a successful exchange.

Why work with MARIELA RUIZ, CPA, PLLC?

A 1031 exchange is an excellent strategy to defer taxes and reinvest proceeds from a business sale. However, navigating the complex IRS rules requires expertise. At MARIELA RUIZ, CPA, PLLC, we’re here to help you make the most of this tax-saving opportunity. Contact us today at (956) 997-0067 or visit our website at mruiz-cpa.com to schedule a consultation. Let’s work together to maximize your financial success!

Tips for Managing Expenses as a Small Business Owner

November 4, 2024 / / 0 Comments

Starting a small business is often fueled by passion, but managing expenses requires a sharp eye and a steady hand. However, according to a study by Fundera, 20% of small businesses fail in their first year and 30% of small businesses fail in their second year. These statistics underscore the importance of solid financial management from day one. In this month’s blog, we will walk you through some tips to help you manage your expenses effectively and maximize your profits.

Set a Realistic Budget and Stick to It

Creating a budget isn’t just about making numbers match. It’s a roadmap for your business’s financial health. Start by categorizing your expenses, such as operating costs and employee wages. Aim to keep your fixed costs as low as possible in your early stages. Once you’ve laid out a realistic budget, do your best to stick to it. Budgets also help you differentiate between your business and personal expenses, a critical aspect if you’re transitioning from a hobby to a business.

Related: Learn more about accounting considerations when transitioning your hobby into a business here.

Monitor Cash Flow Regularly

Cash flow is the lifeblood of any business. Monitoring it allows you to understand exactly how money is moving in and out of your business. Regular cash flow analysis will show you patterns, like times of the year when revenue is low or when expenses tend to spike. Tracking cash flow on a weekly basis can help you anticipate shortfalls and plan accordingly. You can always use accounting software to automate this process.

Plan for Retirement Early

It’s easy to focus all your energy on your business, but don’t overlook your personal financial future. Planning for retirement should start as soon as possible, even in the early years of your business. Setting up a retirement plan is not only a smart personal investment; it also offers tax advantages for your business.

Related: Learn more about how to plan for retirement as a business owner here.

Keep an Eye on Fixed Costs

Fixed costs are the expenses that remain the same month after month, such as rent, utilities, and payroll. While some fixed costs are non-negotiable, there are ways to manage them smartly. For example, consider using a co-working space instead of renting a full office. The less you spend on fixed costs, the more flexibility you’ll have in managing other expenses.

Final Thoughts

Managing expenses is a cornerstone of any successful business. By following the above tips, you can ensure your business remains financially healthy. If you need further assistance with expense management, MARIELA RUIZ, CPA, PLLC is here to provide expert guidance. Contact us today at (956) 997-0067 or visit our website at mruiz-cpa.com to learn more about our financial consulting services.

How to Plan for Retirement as a Business Owner

August 7, 2024 / / 0 Comments

As a business owner, planning for retirement involves more than just saving money. It requires a strategic approach to ensure that your personal and business finances are aligned with your long-term goals. This guide will provide you with essential steps to help you prepare for a financially secure and fulfilling retirement.

Evaluate Your Current Financial Situation

The first step in retirement planning is understanding your current financial standing. This includes assessing your personal savings, investments, and retirement accounts. It’s crucial to determine the current value of your business and its potential for growth or sale. Additionally, identifying any outstanding debts or liabilities that could impact your retirement plans is essential for a comprehensive evaluation.

Related: “Tips For Keeping Accurate and Organized Financial Records”

Set Retirement Goals

Clearly defining what you want your retirement to look like is a vital part of the planning process. Decide when you want to retire, as this will influence your savings and investment strategies. You may consider the kind of lifestyle you want in retirement, including travel plans, hobbies, and living arrangements. Estimating your annual expenses in retirement will help you understand how much income you will need to support your desired lifestyle.

Develop a Retirement Savings Plan

Once you have a clear picture of your financial situation and retirement goals, you can develop a savings plan. Maximize contributions to retirement accounts such as IRAs, 401(k)s, and SEP IRAs to ensure you are taking full advantage of tax benefits and compound growth. We also recommend diversifying your investments across different asset classes will help reduce risk and increase potential returns. Reinvesting profits from your business into retirement savings or other investment opportunities can also boost your retirement fund.

Plan for the Sale or Succession of Your Business

Your business is likely one of your most significant assets, so planning for its future is crucial to your retirement. If you intend to pass the business to a family member or employee, creating a detailed succession plan is essential. If selling the business is your preferred option, prepare it for sale by improving financial records, increasing profitability, and enhancing its marketability. Obtaining a professional valuation of your business will help you understand its worth and how it fits into your retirement plan.

Related: “Bookkeeping for Freelancers and Self-Employed Individuals”

Consider Tax Implications

Tax planning is an essential aspect of retirement planning for business owners. Utilizing tax-advantaged retirement accounts can help minimize your tax burden. It’s crucial to understand the tax implications of selling your business and exploring strategies to reduce taxes. Additionally, working with a CPA and estate planning attorney to develop a plan that minimizes estate taxes and ensures your assets are distributed according to your wishes will provide peace of mind.

Seek Professional Advice

Retirement planning can be complex, especially for business owners. Seeking professional advice can help you navigate the process. A financial advisor can provide personalized investment strategies and retirement planning advice tailored to your specific needs. A Certified Public Accountant (CPA) can assist with tax planning, business valuation, and financial management, while an attorney can help with estate planning and legal aspects of business succession or sale.

Conclusion

Planning for retirement as a business owner involves careful consideration of your personal and business finances. By evaluating your current situation, setting clear goals, developing a savings plan, and seeking professional advice, you can create a roadmap to a secure and fulfilling retirement. At MARIELA RUIZ, CPA, PLLC, we are dedicated to helping business owners in Mission, TX, plan for a successful retirement. Contact us today at (956) 997-0067 or visit our website at mruiz-cpa.com to learn more about our financial consulting services.

Accounting Considerations When Transitioning Your Hobby into a Business

July 1, 2024 / / 0 Comments

Many people dream of turning a hobby into a small business. Perhaps you’re a chef and would like to open a restaurant. Or maybe you’d like to turn your photography passion into profit. You might not face significant accounting challenges if your new business is profitable over time, but what if the new business’ expenses exceed income? In this month’s blog, we’ll show you key considerations to keep in mind to ensure your transition is smooth and financially sound.

Keep Personal and Business Finances Separate

One of the first steps is to open a separate business bank account. This distinction between personal and business finances is not just a best practice; it’s essential. Mixing the two can lead to confusion, making it challenging to track your business expenses and income accurately. Moreover, it can create issues when it’s time to manage your financial records.

Understand Your Costs

Accurately tracking and understanding your costs is critical. This includes both fixed costs (rent, utilities, and insurance) and variable costs (materials, shipping, labor, etc.). Knowing your break-even point—the point at which your revenue equals your costs—will help you price your products correctly and ensure your business is profitable.

Understand the Accounting Principles Behind Revenue Recognition

While not all businesses are required to comply with the revenue recognition principle of accounting, it’s important to take the time to understand it. In the US, according to the revenue recognition principle of ASC 606, revenue should be recognized when the delivery of promised goods or services matches the amount expected by the company in exchange for the goods or services. 

This will help ensure your financial statements accurately reflect your business’s financial health, and how your business is doing financially.

Related: Learn more about why your business isn’t making money and how to fix it here.

Consider Hiring a Professional

While DIY accounting is possible, hiring a professional accountant can save you time and help you avoid costly mistakes. An accountant can offer valuable insights, ensure compliance with financial regulations, and provide advice tailored to your specific business needs. Additionally, ensure your accountant adheres to accounting ethics to maintain the highest standards in your business operations.

Hire MARIELA RUIZ, CPA, PLLC

At MARIELA RUIZ, CPA, PLLC, we are dedicated to helping you navigate these complexities and set your business up for success. We’ve helped many small businesses like you lay a strong foundation for your business’s financial health. Visit our website at mruiz-cpa.com or call us at (956) 997-0067 to learn more about how we can assist you in making your business financially sound and profitable.

Accounting Ethics: Upholding Integrity and Professionalism in the Field

June 7, 2024 / / 0 Comments

Accounting ethics are the cornerstone of trust and credibility in the financial industry. As accountants, maintaining integrity and professionalism is not just a regulatory requirement but a fundamental aspect of our responsibility to clients, stakeholders, and the public. Adhering to a strict code of ethics ensures that financial information is reported accurately and transparently, fostering confidence in financial markets and business operations. In this month’s blog, we discuss the importance of ethics, integrity, and professionalism as an accountant.

Ethics and Reputation

Upholding integrity in accounting involves consistently applying ethical principles such as honesty, fairness, and objectivity. Accountants are often entrusted with sensitive financial information and are responsible for making decisions that can significantly impact businesses and individuals. Ethical dilemmas, such as conflicts of interest or pressure to manipulate financial results, can arise, making it crucial for accountants to adhere to professional standards and guidelines. By committing to ethical practices, accountants ensure that their work reflects true and fair representations of financial situations, thereby protecting the interests of their clients and the public.

In addition, adhering to accounting ethics is paramount in building and sustaining a corporation’s reputation. Ethical accounting practices, such as transparency, accuracy, and honesty in financial reporting, instill confidence among stakeholders, including investors, clients, and regulatory bodies. When a corporation is known for its integrity and ethical standards, it gains trust and credibility in the marketplace, which can lead to enhanced investor confidence, customer loyalty, and a stronger competitive edge. Furthermore, ethical conduct in accounting helps prevent scandals and financial misstatements, which can severely damage a corporation’s reputation and lead to legal consequences.

Related: “Accounting Mistakes That Could Harm Your Small Business”

Staying Professional and Updated

Professionalism in accounting goes beyond technical competence and includes a commitment to continuous learning and adherence to ethical standards. Accountants must stay updated on changes in laws, regulations, and industry practices to provide the best possible service. This includes maintaining confidentiality, exercising due diligence, and providing objective, unbiased advice. Overall, this ensures that accountants can effectively navigate the complexities of legal requirements, minimize the risk of non-compliance, and avoid potential penalties for their clients. A commitment to ongoing education and awareness not only enhances the accuracy of financial statements, but also positions accountants as reliable advisors who can anticipate and respond to regulatory changes.

Conclusion

At MARIELA RUIZ, CPA, PLLC, we believe that ethical accounting practices are essential for the success and sustainability of businesses. Our commitment to integrity and professionalism is reflected in everything we do, from financial reporting to advisory services. We invite you to experience our dedication to ethical excellence firsthand. Visit our website at mruiz-cpa.com call us at (956) 997-0067 to learn more about how we can support your financial needs with the highest ethical standards. Rely on us to be your trusted partner in achieving financial transparency and success.

Bookkeeping for Freelancers and Self-Employed Individuals

April 9, 2024 / / 0 Comments

For freelancers and self-employed individuals, managing finances effectively is crucial for the success and growth of their business. Unlike traditional employees, freelancers must handle their own bookkeeping to track income, expenses, and taxes accurately. By establishing sound bookkeeping practices, freelancers can gain better control over their finances, make informed business decisions, and ensure compliance with tax obligations. Let’s explore some essential tips for freelancers and self-employed individuals to streamline their bookkeeping processes and manage their finances efficiently.

Keep Your Personal and Business Finances Separate

One key aspect of effective bookkeeping for freelancers is to separate personal and business finances. Maintaining separate bank accounts and credit cards for business transactions can help simplify record-keeping and ensure that business expenses are properly tracked. Tracking income and expenses diligently is essential for monitoring cash flow, identifying tax-deductible expenses, and preparing accurate financial statements. Utilizing accounting software or cloud-based bookkeeping solutions can streamline the process and provide real-time insights into the financial health of the business.

Develop an Organized System

In addition to tracking income and expenses, freelancers should also stay organized when it comes to invoicing and payment tracking. Sending invoices promptly, setting clear payment terms, and following up on outstanding payments are essential practices for maintaining a steady cash flow. Keeping detailed records of client invoices, payments received, and expenses incurred can help freelancers monitor their financial performance, identify opportunities for growth, and prepare for tax season efficiently.

Related: “Tips For Keeping Accurate and Organized Financial Records”

Asset and Legal Protection

Maintaining accurate financial records not only helps freelancers and self-employed individuals make informed business decisions but also plays a crucial role in protecting their assets and ensuring legal compliance. By keeping track of income, expenses, invoices, and receipts, freelancers can demonstrate transparency and accountability in their financial dealings.

Proper documentation of financial transactions can provide protection in the event of an audit, dispute, or legal challenge, helping to safeguard assets and mitigate potential risks. Additionally, accurate financial records can serve as evidence of income and expenses in the case of legal proceedings, contract disputes, or tax inquiries, offering a layer of legal protection and ensuring financial stability for freelancers and self-employed professionals.

Rely On an Experienced CPA

Ready to take control of your finances as a freelancer or self-employed individual? Contact MARIELA RUIZ, CPA, PLLC in Mission, TX, for expert bookkeeping and accounting services tailored to your business needs. Our team is dedicated to helping freelancers and self-employed professionals manage their finances effectively and achieve their business goals. Visit our website at mruiz-cpa.com or call us at (956) 997-0067 to schedule a consultation and optimize your financial management today.

Accounting for E-commerce Businesses: Challenges and Best Practices

December 11, 2023 / / 0 Comments

In the fast-paced world of e-commerce, where transactions are conducted online and businesses operate across borders, accounting becomes a crucial aspect of managing finances. Proper accounting practices are essential for e-commerce businesses to accurately track their revenue, expenses, and overall financial health. However, accounting for e-commerce businesses comes with its own unique set of challenges. In this blog post, we will explore the challenges faced by e-commerce businesses in their accounting processes and discuss best practices to overcome them.

E-commerce Accounting Challenges

One of the main challenges faced by e-commerce businesses is the complexity of sales tax compliance. With transactions occurring across multiple states or even countries, businesses must navigate through various tax regulations and requirements. Determining the correct tax rates, collecting and remitting taxes, and staying up to date with changing regulations can be a daunting task. E-commerce businesses need to invest in robust accounting software that can handle multi-jurisdictional tax calculations and automate the process to ensure compliance.

Another challenge is inventory management. Unlike traditional retail businesses, e-commerce businesses often have large volumes of inventory that need to be accurately tracked. Inventory valuation, including the cost of goods sold (COGS) and determining the value of unsold items, can be complex. Implementing an efficient inventory management system that integrates with the accounting software can help businesses maintain accurate records, optimize inventory levels, and make informed financial decisions.

Furthermore, the reconciliation of online payment platforms poses a challenge for e-commerce businesses. With multiple payment gateways, such as PayPal, Stripe, and Square, it becomes crucial to reconcile transactions and ensure that all payments are properly recorded in the accounting system. Failure to reconcile can lead to discrepancies in financial reports and hinder the accurate assessment of the business’s financial performance. Regular reconciliation, along with the use of accounting tools that integrate with payment platforms, is essential to maintain accurate and up-to-date financial records.

Related: “Accounting Mistakes That Could Harm Your Small Business”

E-commerce Accounting Best Practices

To overcome these challenges, e-commerce businesses should consider adopting best practices in their accounting processes. Investing in cloud-based accounting software that is specifically designed for e-commerce can streamline financial management and provide real-time insights into the business’s financial health. Additionally, partnering with an experienced CPA firm that specializes in e-commerce accounting can provide valuable guidance and expertise in navigating the complexities of e-commerce accounting.

Implementing robust internal controls is also crucial. E-commerce businesses should establish clear policies and procedures for sales tax compliance, inventory management, and reconciliation of payment platforms. Regular audits and reconciliations should be conducted to ensure accuracy and identify any discrepancies or errors promptly.

Related: “Why Is It Essential to Hire an Accountant When Starting a Business?”

Rely On an Experienced CPA

In conclusion, accounting for e-commerce businesses comes with its own set of challenges. However, by leveraging technology, implementing best practices, and seeking professional guidance, e-commerce businesses can overcome these challenges and achieve accurate financial reporting. At MARIELA RUIZ, CPA, PLLC, we specialize in providing comprehensive accounting solutions for e-commerce businesses. Visit our website at www.mruiz-cpa.com or give us a call at (956) 997-0067 to learn more about how we can assist you in managing your e-commerce accounting needs.

Reasons Your Small Business Needs CFO Services

November 1, 2023 / / 0 Comments

Running a small business requires wearing many hats, from managing day-to-day operations to overseeing finances. While you may have successfully handled these responsibilities on your own thus far, there comes a point when your business can greatly benefit from the expertise of a Chief Financial Officer (CFO). In this month’s blog, we will explore what a CFO is and what CFO services can bring to the table for your business.

What is a CFO?

A Chief Financial Officer (CFO) is a senior executive responsible for overseeing and managing the financial operations of a company. Serving as a strategic partner to the CEO and other stakeholders, the CFO plays a critical role in shaping the financial direction of the organization. They are responsible for financial planning and analysis, budgeting, and keeping your business financial records accurate and organized.

Related: Learn more about tips for keeping accurate and organized financial records here.

Enhanced Financial Strategy and Planning

According to new statistics, the failure rate for new startups is currently 90%. The main reason? A poor financial strategy and planning. A CFO can iron out the wrinkles in your financial management and bring a high level of financial expertise to the table. Your business needs an accurate financial strategy to achieve your goals in both the short term and long term.

Related: Learn more about accounting mistakes that could harm your small business here.

Effective Risk Management

Risk is an inherent part of any business, regardless of the industry. All businesses face risks such as market downturns and unpredictability (as we’ve recently seen with COVID-19). A CFO can help you identify and assess potential risks, whether they are financial, operational, or regulatory in nature. By implementing robust internal controls, developing contingency plans, and monitoring key risk indicators, a CFO can safeguard your business’s financial well-being.

Related: Learn more about key considerations and best accounting practices for startups here.

Rely On an Experienced CFO

As your small business continues to grow, the need for CFO services becomes increasingly important. At MARIELA RUIZ, CPA, PLLC, we offer excellent CFO services designed to drive your business toward sustainable growth and profitability. Visit our website at www.mruiz-cpa.com or call us at (956) 997-0067 to learn more about how our CFO services can benefit your small business.

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