Forensic Financial Control for Mission & Margin.
We are the specialized bookkeeping firm that brings the forensic precision of job costing to the mission-critical reporting of nonprofit fund tracking.
We deliver human-readable reports designed not just for tax filing, but for board reviews (Nonprofit) and accurate job bidding (Construction).
Your Financial Truth, Built for Action.
We blend accounting rigor with an investigative lens (MS in Financial Crimes). Your books are built to hold up under Audit, 990 scrutiny, and critical investor review.
The Forensic Standard.
Backgrounds in audit and specialized client service mean quick answers, clear project profitability insights, and precise fund reports—zero headaches.
Precision Without the Jargon.
Every Engagement Begins Here:
The Clarity Scan.
The Clarity Reset is a required, one-time cleanup and setup project.
Before we take over your monthly accounting, we rebuild your books to the Sum & Sage Forensic Standard so your future financials are accurate, organized, and easy to maintain.
Think of it as completing the edge pieces of the puzzle: once the foundation is clean, everything else fits.
What We Solve (The Puzzle):
Remove the missing pieces: Fix historical errors, unreconciled accounts, and unmatched transactions.
Rebuild the structure: Install the correct Chart of Accounts and tracking system (including Fund Accounting or Job Costing, when applicable).
Strengthen the frame: Organize documentation, improve basic controls, and create a system we can maintain month-to-month.
This ensures you’re not carrying old mistakes into new months — or paying for issues that should’ve been solved years ago.
Timeline
Most Clarity Resets take 10–21 business days, depending on volume, complexity, and the level of cleanup required.
Pricing is tiered based on complexity — simple books may fall into the Lite Reset ($600–$900), while more involved books require the Full Reset ($1,500–$7,500+).
Pricing is determined by:
How messy the books are
How many accounts must be reconciled
How far back we need to clean
Whether fund accounting or job costing setup is required
Transaction volume and documentation quality
Once the Clarity Reset is complete, we place you in the correct monthly tier.
For visionaries building more than a bottom line.
We offer three tiers of precision bookkeeping. Pricing is based on the complexity of the technical puzzle, not just transaction volume.
The Mission
Nonprofit Fund Accounting — The Pretty Puzzle
Starting at $1,600/mo
For mission-driven organizations that require clean fund segregation, accurate reporting, and month-to-month compliance.
Restricted vs. Unrestricted Tracking: Proper class/project setup to maintain clean fund boundaries.
Grant Reporting Ready: Monthly preparation of grant expenditure data for reimbursement and donor/board reporting.
Board & Audit Packet: Organized financials and supporting schedules prepared for your external CPA (audit support + 990 prep data).
Basic Internal Control Review: Quarterly review to strengthen documentation and reduce risk.
This tier is built for nonprofits with active grants, board reporting, or donor-restricted funds.
The Project
Construction Job Costing — The 5,000-Piece Beast
Starting at $2,500/mo
For subcontractors and GCs where profitability depends on accurate job costing and real margin control.
Job Costing Architecture: Tracking labor, materials, subcontractors, and overhead per job for clean job-level profitability.
WIP & POC Revenue Recognition: Monthly Work-In-Progress analysis and Percentage-of-Completion adjustments.
Progress Billing Support: Documentation prep for AIA-style billing, draw requests, and progress payment tracking.
Subcontractor Compliance: W-9 and certificate monitoring plus year-end 1099 support.
This tier is built for construction firms running multiple concurrent jobs and needing clarity on margins.
The Essentials
General Small Business — The Core Puzzle
Starting at $950/mo
For founders and small businesses who want accurate, consistent books maintained to a professional standard.
Monthly Reconciliation: All accounts reconciled with audit-aligned categorization.
Accrual Adjustments: Prepaids, fixed assets, and month-end cleanup for clean financials.
Compliance Coordination: Payroll entry review and year-end readiness for your external CPA.
Standard Financial Reporting: Monthly P&L, Balance Sheet, and Cash Flow statements.
This tier is built for stable, service-based or product-based businesses that want clean books without complexity.
Impact Commitment: Luxury with Heart
We believe that mission-driven founders and community-rooted small businesses deserve access to premium financial care. The Impact Commitment makes our services accessible without compromising the precision, rigor, or standards Sum & Sage is known for.
This arm is intentionally limited and application-based to ensure we maintain our focus on core nonprofit, construction, and boutique business partners.
Sliding-Scale Partners: Two spots for early-stage founders or very small businesses deeply embedded in their communities ($450–$550/mo). Re-evaluated annually.
Local Business Partners: Six spots for established community-based businesses seeking high-quality accounting at an accessible rate ($600–$700/mo).
Pro Bono Legacy Partner: Once annually, we select one nonprofit or small business to receive a full year of service at no cost. Chosen by application.
All Impact Commitment clients complete a Clarity Reset (Lite or Full) before beginning monthly services. Reset pricing is adjusted to honor the commitment.
Numbers with heart and edge.
Hi, I'm Chandler, Founder of Sum & Sage Co.
My passion isn't just balancing books—it's solving the most complex financial puzzles to give business owners and mission leaders absolute confidence.
I founded Sum & Sage Co. to bridge the gap between basic bookkeeping and high-level corporate finance. My work is built on a foundation of:
Forensic Rigor: An MS in Financial Crimes gives me an investigative lens, ensuring your books are not just correct, but secure and fraud-resistant.
Audit-Ready Precision: My Accounting BS and background in Public Accounting/Auditing mean your financials are always structured to withstand scrutiny (audits, board reviews, and 990 prep).
Technical Mastery: I'm a Certified Gold ProAdvisor with my QBO Level 2 and Payroll Certifications—I speak fluent QBO. (And yes, the CPA certification is the next puzzle I'm currently solving!)
I handle the complex number puzzles so you can focus on building your business and driving your mission forward..
Ready for bookkeeping, elevated?
It starts with a 15-minute clarity call where we'll explore your goals, walk through the Sum & Sage experience, and map your path to financial confidence.
Evening and weekend slots available — clarity on your schedule.