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About

Practical Accounting Support Backed by Real Experience

Accounting of Santa Cruz helps small-business owners organize their finances, improve their systems, and understand what their numbers are telling them — with particular experience in construction and contractor accounting.

Charmaine Frank, founder of Accounting of Santa Cruz
MEET CHARMAINE

I have worked in accounting and bookkeeping for more than two decades, helping businesses manage payroll, organize financial records, clean up accounting systems, track jobs, prepare reports, and solve the everyday financial problems that come with running a business.

Much of my experience has involved construction and service-based businesses, where accounting can become complicated quickly. Labor, materials, subcontractors, payroll, certified payroll, equipment, and job costs all need to be organized correctly for the financial reports to be useful.

I created Accounting of Santa Cruz to offer practical, hands-on support that helps business owners feel more organized and confident about their finances.

QuickBooks Certified ProAdvisor Online

Accounting Should Be Useful

Accurate bookkeeping matters, but accuracy alone isn't enough. Financial information should help you understand cash flow, profitability, expenses, and the direction of your company.


What Sets Us Apart

  • Clear communication, plain language
  • Industry-specific organization
  • Reliable follow-through
  • Real-world construction accounting experience

Our Mission

To help small-business owners build clearer financial systems, make better-informed decisions, and operate with greater confidence.

Professional Help and Do-It-Yourself Resources

Not every business owner is ready to hire an accounting professional, and some owners prefer to manage part of the process themselves. That's why Accounting of Santa Cruz also develops charts of accounts, spreadsheets, and checklists designed to make accounting more organized and understandable — at an accessible price.

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Let's Build a Stronger Financial Foundation

Whether you need ongoing bookkeeping, help repairing your QuickBooks file, or a practical resource you can use yourself — we're here to help.