Question 1

What services does JG Financial Services offer?

Accepted Answer

We provide tax preparation and planning, accounting and bookkeeping, payroll (powered by ADP), and financial advisory for individuals and small businesses.

Question 2

Where are you located and who do you serve?

Accepted Answer

We're based in Monroe, NC and serve individuals and small businesses across Monroe, Charlotte, and the surrounding area.

Question 3

Do you work with both individuals and businesses?

Accepted Answer

Yes. We help individuals, families, and small businesses — from W-2 earners to LLCs, S-Corps, and partnerships.

Question 4

Is your firm CPA-led?

Accepted Answer

Yes. Every engagement is led by John Gavrilov, a licensed Certified Public Accountant (CPA, MBA) and certified Xero advisor.

Question 5

What accounting software do you support?

Accepted Answer

We work in both Xero and QuickBooks Online. Our preferred platform is Xero for its cleaner reporting and streamlined workflow.

Question 6

How do I get started?

Accepted Answer

Call (704) 373-4019 or send us a note through the contact form, and we'll set up a conversation about how we can help.

Question 7

What types of tax returns do you prepare?

Accepted Answer

We file personal, business, LLC, S-Corp, partnership, multi-state, amended returns, and late or back-year tax filings.

Question 8

Do you help reduce my tax liability legally?

Accepted Answer

Yes — we focus on IRS-approved strategies such as expense optimization, entity selection, deductions, credits, depreciation, and year-round planning.

Question 9

Can you handle IRS letters or audits?

Accepted Answer

Absolutely. We help clients respond to IRS notices, fix filing errors, amend returns, and resolve outstanding issues.

Question 10

Do you offer year-round tax planning?

Accepted Answer

Yes — not just at tax time. We provide quarterly check-ins, estimated tax calculations, and proactive planning for small businesses and high-earners.

Question 11

Can you help with late or unfiled tax returns?

Accepted Answer

Yes — we specialize in catching up past-due tax years, fixing mistakes, and getting clients back into compliance with the IRS and state agencies.

Question 12

Do you work with clients outside North Carolina?

Accepted Answer

Yes. We work with individuals and small businesses in multiple states. Tax preparation, bookkeeping, payroll, and advisory are all available fully online through secure document sharing and phone or video calls — the same CPA-led attention you'd get in our Monroe office, wherever you are.

Question 13

What's included in your bookkeeping and monthly accounting services?

Accepted Answer

Transaction categorization, bank reconciliation, financial reporting, expense tracking, and month-end close.

Question 14

What accounting software do you support?

Accepted Answer

Both Xero and QuickBooks Online. Our preferred platform is Xero because it offers cleaner reporting, fewer errors, and a more streamlined workflow.

Question 15

How often do you update and review my books?

Accepted Answer

Your books are updated monthly, and we send detailed financial reports.

Question 16

Can you fix messy or behind-on bookkeeping?

Accepted Answer

Yes — we specialize in catch-up and cleanup for businesses that are months or even years behind.

Question 17

Will I receive reports or financial summaries each month?

Accepted Answer

You'll get monthly profit & loss statements, balance sheets, cash-flow summaries, and any custom reports your business needs.

Question 18

What payroll system do you use?

Accepted Answer

We prefer ADP because it offers reliable, accurate, and secure payroll processing. If you use a different system, we're happy to discuss solutions that fit your business.

Question 19

What's included in your payroll service?

Accepted Answer

We manage payroll processing, employee onboarding, tax withholdings, direct deposit, quarterly filings, W-2s, 1099s, and ongoing compliance — with ADP handling the automated calculations and filings.

Question 20

Do you handle payroll tax filings?

Accepted Answer

Yes — ADP automates payroll tax calculations and filings, and we oversee everything to ensure accuracy and full compliance with federal and state rules.

Question 21

Can you run payroll for both employees and contractors?

Accepted Answer

Absolutely. We can process payroll for W-2 employees and 1099 contractors, ensuring both are paid correctly and reported properly.

Question 22

What if there's a payroll change or correction?

Accepted Answer

We handle adjustments directly in ADP, including pay corrections, tax updates, or employee changes — keeping your payroll accurate and hassle-free.

Question 23

What does financial advisory include?

Accepted Answer

Financial advisory includes guidance on budgeting, forecasting, business planning, and strategic decision-making to help you improve your financial stability and long-term growth.

Question 24

How can financial advising help my business?

Accepted Answer

It provides expert insight into your numbers, helps you evaluate opportunities, reduces financial risks, and supports smarter planning for growth and profitability.

Question 25

Do you offer advisory for both individuals and businesses?

Accepted Answer

Yes — we provide financial advisory services for individuals, small businesses, and growing companies looking for clarity, direction, and better financial decision-making.

Question 26

How often should I meet with a financial advisor?

Accepted Answer

Most clients meet quarterly or monthly, depending on their goals. We tailor the schedule to fit your needs and ensure you stay on track.

Question 27

What makes your advisory services different?

Accepted Answer

You receive direct, practical guidance backed by real CPA expertise. We focus on clear explanations, actionable recommendations, and strategies that fit your exact goals.

Let's talk.