Job Posting: Experienced Tax Accountant – Quality of Work, Quality of Life

Thrive Business Group is a rapidly growing small CPA firm dedicated to helping small business owners and self-employed individuals Thrive. We believe in providing a truly excellent experience for our clients – from technical proficiency, to genuine caring. We take care of their accounting & tax service needs with quality work, and sprinkle the process with encouragement, mentoring, and humor.

We believe a thriving team helps develop thriving clients. We provide a quality workplace for our team – from true life-work balance (even during tax season), to internal mentoring and comradery. We have a rock-solid team who works beautifully together and enjoys the satisfaction of being highly productive and collaborating for a job well done.

We are seeking an experienced Tax Accountant:

  • CPA or EA preferred, but not required (technical experience is more important than your designation)
  • Income Tax Preparation experience required (minimum 3 years, 5+ is better – 1040, 1120S, 1065 required; 1041, 990 preferred; Tax return review experience preferred
  • Small Business Accounting required, including flexibility in tailoring services to unique small business needs
  • QuickBooks Desktop and QuickBooks Online proficiency
  • WA state payroll proficiency
  • Detail oriented, organized, highly productive
  • Works well independently and with a team
  • Cares about making a difference with our clients, cares about our team

To apply, submit cover letter, including compensation requirements, and resume by email to

5% Discount on Services when you sign up for Direct-Debit Payment

Thrive Business Group now offers a 5% discount on all services paid through our Direct-Debit Payment program. Here’s how it works.

You complete & sign a Direct-Debit agreement that gives us permission to charge your payment method of choice automatically for our service fees.  You choose whether you want your automatic payment to come out of your checking account or charge to a credit card or debit card.

Starting the month following receipt of your completed agreement, you will see a 5% discount applied to each invoice under the Direct-Debit Payment agreement.

At the beginning of each month, we will still email you an invoice for services with a note that you are set up for Direct-Debit Payment. After the 15th of the month, we will automatically charge your account on file.

It’s easy to sign up, just fill out this secure online form.  (Or, email to request an autopay form.)



What if I have a question about my invoice?

You will still receive your invoice by email at the beginning of each month. If you have a question, reply to the email with your questions. We have plenty of time to make sure you have all of your questions answered before the Direct-Debit Payment is processed after the 15th of the month.

What services do I get a discount on?

The 5% discount applies to all services included under your Direct-Debit Payment agreement, beginning the month after signing up.

Can I set this up for both my personal and business accounts?

Yes!  You can mark on the autodebit form which accounts you want the autopay/discount to apply to.

Can I use different payment methods for my personal and business accounts?

Yes!   Simply fill out the autodebit form twice — one for each account.

If I choose discount/autopay for my tax return preparation fee, when will that be debited?

The payment will be debited no less than 10 days after your invoice has been sent to you.

Can I use either a bank account or credit card for my autopayment?


What if I want to stop the Direct-Debit payment?

Email us at to request cancellation at any time.

How do I sign up?

Email to request an enrollment agreement, or just fill out this secure online form

Info Sessions for Transitioning from Powell Business Solutions


I would like to introduce myself. My name is Siobhan Murphy. I am the CPA and founder of Thrive Business Group.

Cami recently contacted me about her decision to focus her business into CFO services exclusively. She asked if we could handle the additional clients if she referred her non-CFO clients to us. I was honored that she shared her confidence in us and appreciated her desire to make sure you continue getting the services you need.

I founded Thrive Business Group nine years ago and have been a practicing accountant for 18 years (13 of those as a CPA). I was raised by two entrepreneurial parents, which infused me with a passion for small business. I founded our organization on the belief that small business owners and self-employed individuals deserve excellent service at a fair price.

We have a team of six: me, two accountants, one bookkeeper, and two administrative team members (plus a few more seasonal additions during tax season). We provide a full range of bookkeeping, accounting, tax preparation, and tax strategy consulting services for individuals, small businesses, and the self-employed.

I love to make tax time easy for our clients and to help you pay the minimum legal and ethical amount in tax. Our team provides bookkeeping and accounting support tailored to your needs – a little or a lot – we can help.

I have great respect for Cami’s skills as an accountant and appreciate the care with which she serves her clients. I look forward to continuing this level of excellence in working with you.

I would like to extend two invitations to you:

An educational meet & greet: hosted by me and Cami for clients transitioning out of her services.

Friday, December 7th 1:00 – 2:30pm [Presentation 1:15-2:00]
Location: The Big Love Boardroom
1140 10th Street, Suite 102, Bellingham (in Fairhaven)

We’ll provide a variety of munchies, give a brief presentation regarding 2018 tax law changes, and introduce you to our firm. I will be available for general Q&A and I’ll bring some of our team for you to meet too.

Please RSVP by emailing or calling 360-746-8738 so we make sure we have food and a seat for you.

One-on-One Meetings: If you would like to meet with me one-on-one to talk about your needs in more detail, I have added priority scheduling appointments in December and January for clients coming from Cami’s practice. This will provide you with a 30-minute free consultation with me (without having to wait our normal 4-6 weeks during the busy season).

Please call our office at 360-746-8738 to reach our front desk to schedule an appointment. Be sure to tell us that you were referred by Cami.

If you would like to make this transition as quick and easy as possible, you can help us expedite your setup as a new client. Please call 360-746-8738 or email and let us know you would like to consider transitioning to our firm.  We will send you a secure link with a new client intake form to fill out and a request for your 2017 tax return(s) (both personal and business, if applicable). This will help us prepare a tax packet to send you in the first week of January and avoid any potential tax season delays.

I am honored by the trust Cami shows by referring you to us and I will be delighted to be of service. I look forward to meeting you.

All my best,

B. Siobhan Q. Murphy, CPA

How to Contact Us Regarding Your Tax Return

We are working to streamline our communication systems to provide the best possible service for you.

With double the number of team members working at Thrive this year, it can sometimes be hard to know who to send your email to.

When in doubt, it’s best to email our administration address at  or call our office at 360-746-8738. Our admin team will forward your communication to the right team member.

To help make your tax preparation process as smooth & timely as possible, please note the following additional communication strategies with our team:

  • Who to email if you have a question (or for that one surprise tax document that just came in the mail):
    • If you receive a question about your tax return from one of our accountants, please email them back directly.
    • If you are not responding directly to one of our accountants, and it’s a tax processing question, please direct it to
    • For non tax processing questions, or if you are unsure, please email

Thrive Portal FAQ



Where is Thrive’s secure portal located?

I don’t have a password.  How do I get one?

Click the Remind Password link on the left of the portal screen.  Then enter your email address (the one we have on file for you) and the last 4 digits of your Social Security Number in the screen that comes up to have it emailed to you.

Do my spouse and I have the same password?

Yes.   The password is for the account, not the person.  If you have both a personal account and a business account with us, your password will be different for each account.

Should I used my SSN or my EIN?

For your personal account use your SSN.  If you have a business account use the business’s EIN.

For my personal account should I use the last 4 digits of my SSN or my spouse’s?

Either should work.  If it doesn’t it means we have incomplete information for you in our database — such as not having an email address for each spouse.   Please contact us so we can update our database.

I am using my correct email address, SSN / EIN, and the password the system sent me, but still cannot log in.

It could be that we do not have your correct email address attached to your SSN in our system.  Please call or email our office for help.  (360) 746-8738 or

Can I change my password?

Yes!  Our system now allows users to change their password.   To do so, log in, then click “Change Password” on the left hand side.

I see documents.  How do I download them?

Double click on the file name to download them to your computer.

I am having trouble accessing my account

Call us at  (360) 746-8738.    We’re happy to help.




Thrive is Expanding! Hiring a Top Notch Bookkeeper

Thrive Business Group is Expanding!

We are a small (but mighty) accounting office serving self-employed individuals and small business clients in a full range of bookkeeping, accounting, tax, and consulting services.  We are growing rapidly and need a Top Notch Bookkeeper to add to our team.

Our Ideal candidate:Bookkeeping

  • Loves working hard and enjoys the satisfaction of a job well done
  • Is energetic, cheerful, professional, and works well with a wide range of people
  • Is highly organized, detail-oriented, efficient, goal oriented, able to meet a variety of deadlines
  • Can thrive working independently and enjoy a team-oriented environment

Job duties include: A/P, A/R, Payroll and related tax returns, state & city B&O tax returns, bank recs, and related admin duties.  Software familiarity preferred: QuickBooks Pro, QuickBooks Online, MS Word, MS Excel, gmail, wave accounting

This position ranges 20-40 hours/week (depending on accounting cycle timing through the month) with an average of 30 hours/week.  (Full time potential in the next 9-18 months.)  Compensation is hourly, depending on experience and productivity.

To apply, submit cover letter explaining why you want this job, resume, and pay rate history by email to cpa @ thrivebusinessgroup . com — please include your text in the body of your email or in pdf attachment (word docs or other attachments will not be opened).

Interviews are starting immediately.  This position will remain open until filled.

The Lowdown on Auto Expenses—Can I Deduct My Car? (Part 2 of 2)

In Part 1 we looked at the difference between business use and personal use for a vehicle, and discussed how to track and deduct actual auto expenses versus tracking business-related miles. (Read Part 1 here.) In Part 2 we will explore the advantages of using the standard mileage rate over actual expenses for business, and describe standard mileage rates for allowable, non-business use.The beauty of the standard mileage rate is fourfold.

  1. You don’t need to track every receipt for every expense.
  2. You likely are already tracking your business versus personal miles (to find your business-use percent).
  3. You can always switch to actual expenses for a year in which you anticipate higher actual expenses. For example, use actual expenses in years you incur a lot of repair costs (you have this freedom only if you used the standard mileage rate for the first year the particular vehicle was placed in service).
  4. You can avoid the pesky depreciation recapture in the event you later sell the vehicle.Other Car Deductions

In case you’re curious, the standard mileage rate for business is based on an annual study of the fixed and variable costs of operating an automobile, including depreciation, insurance, repairs, tires, maintenance, gas, and oil. So, you get to factor in all your actual expenses without the hassle of tracking each one. As a reminder, the standard mileage rate for 2015 is $0.575 (up from 56 cents in 2014).

There are other types of mileage (non-business) that are deductible on your tax return. Without getting bogged down in the details, the rates are:

  • 23 cents per mile driven for medical or moving purposes, down half a cent from 2014.
  • 14 cents per mile driven in service of charitable organizations.

The rate for medical and moving purposes is based on the above-calculated variable costs, such as gas and oil. The charitable rate is set by law.

Of course, all of the above is a general characterization of vehicle-related deductions, which should give you a good idea of which method is better suited to your circumstances. But we all know how nuanced the IRS can be! So, connect with us so we can give you nuanced insight on your particular circumstances in order to help you make the best, most informed business decisions. Remember that at Thrive Business Group it’s

Your Life. Your Business. In That Order.


The Lowdown on Auto Expenses—Can I Deduct My Car? (Part 1 of 2)

Running a business can be expensive. Fortunately, the IRS allows certain expenses to offset your business income. A key source of such deductions is your vehicle business expenses. In what follows, I will sketch an outline of how vehicle deductions work and help you determine the deduction method that is right for you.

First, what counts as business use of a vehicle? Vehicle expenses are those ordinary and necessary expenses paid or incurred during the taxable year in carrying on your business and that are related to your vehicle. Simple, right? Here are a couple examples to clarify:

Business Car Deductions

Business Car Deductions

Commuting to or from your regular place of business are miles that are never deductible. Driving to and from a client’s office for business purposes, however, is business related, as is picking up office supplies or driving to a business conference. These, therefore, are deductible.

As you likely are aware, the vehicle need not be reserved solely for business use to claim its deductions, but you definitely cannot deduct the personal-use portion of the expenses. The easiest way to track personal versus business use is to track your mileage. For example:

You drove the car a total of 100 miles in January, 40 of which were business related. In this case, you could deduct 40% (40 miles / 100 miles) of vehicle expenses for January.

There are two main ways to deduct your vehicle expenses. You can either deduct your actual expenses (gas, oil, repairs, etc.) or you can use the standard mileage rate. Here are some facts to know about each.

Deducting actual expenses is exactly as it sounds—you track all expenses related to your vehicle for the year and deduct the business-use percent on your tax return.

Setting aside depreciation for the moment, if you had $3,000 in gas, $250 in oil changes, and $500 in repairs then, assuming 40% business use, your total vehicle deductions for the year equal $1,500 (40% x ($3,000 + $250 + $500)).

Depreciation complicates matters a bit, but the long and short of it is simply that each year you deduct a certain percent of the vehicle’s original cost to you (reduced by the personal-use portion). The downside is that if you sell the vehicle, any amount the IRS so graciously let you depreciate is now treated as ordinary taxable income to you (so called “depreciation recapture”).

Standard mileage is easy. Again, it’s a matter of tracking total business miles for the year. A mileage logbook (which correlates with your work calendar) is useful here. The standard mileage rate for business purposes is 57.5 cents per mile for 2015 (up from 56 cents in 2014).

If you log 1000 business miles, you deduct $575 in 2015 (1000 miles x $0.575 per mile). (No personal-use reduction here since this is based purely on business miles.)

Make sure to catch Part 2 to learn the advantages of using the standard mileage rate!

Changes for the 2015 Tax Year

In an effort to help you make the best personal finance and business decisions in the coming year, here are the 2015 tax numbers recently published by the IRS and SSA (and their 2014 counterparts):

2015 Tax Changes

2015 Tax Changes













If you have any questions, concerns, or are looking for advice on how to put this information to the best use, contact us!



Affordable Bookkeeping Solutions (Part 2 of 2)

In Part 1 of Affordable Bookkeeping Solutions we discussed the limitations of bank statements and spreadsheets for running your small business. (Read Part 1 here.)

In this follow up, we will look at two great solutions to help you (i) keep accurate records of all the business’s transactions, (ii) keep this data separate from your personal financial activity, (iii) generate usable reports, all while (iv) remaining affordable.

What to Use

For the small business owner, there are really two main options for accounting programs. The choice comes down to two factors: the complexity of the business structure and the size of the business.

Free online accounting software for small businesses -- Wave

Wave is the ideal accounting program for small or simple businesses: service-based businesses, businesses with fewer than ten employees, or a business that grosses less than $50,000 a year (of course, product-based businesses or businesses doing more than $50,000 can use it successfully, too).

Because it is a legitimate accounting program, the data is stored with integrity and has trackable history, making it consistently accurate. You can connect multiple business and personal finances with one account, keeping each separate, but all handy. All the financial reports you’ll need come stock with the program, so reporting is nailed. And you can’t get more affordable than free.

Other benefits of Wave include:

  • It’s cloud-based, so it’s wherever you need it to be,
  • Make your accountant a collaborator to answer questions or clean up data,
  • Connect your business and personal bank and credit card accounts,
  • Create and email invoices with your company’s branding,
  • Receive payment on those invoices (for a small processing fee),
  • Run your payroll (for a small processing fee),
  • Export data and reports to spreadsheets, and
  • Mobile apps to track receipts, do payroll, distribute invoices, et al!

Quickbooks is for those with more complex business structures, or those grossing more than $50,000 a year.

While there are many QuickBooks versions available, each can do what Wave does, and then some. QuickBooks is the standard accounting software in small business. The primary advantage of QuickBooks over Wave is the versatility of its data-tracking and reporting capabilities; where Wave comes stock with about 10 reports, QuickBooks includes 100+, all customizable and with the ability to filter. The tradeoff is the cost—while still affordable, no version is free.

Where to Go from Here

Now that you have an idea about what to look for in an accounting program, talk to us to help you narrow down your selection either to Wave or to the QuickBooks option that is right for you.

And as members of the Wave Pro Network and as QuickBooks ProAdvisors, we at Thrive Business Group have the skills and knowledge to install, setup, train, and support your small business.

We will work with you to ensure that you are getting the most out of your accounting program.

We understand the challenges you face and know that keeping accurate records is vital to your business success. We can offer guidance on everything from complex accounting questions to mastering advanced features of your particular accounting software.