Full-service bookkeeping covers the recurring work needed to keep your books current, accurate, and ready for tax filing. At GMJ, that means three core pieces every month. Transaction categorization, bank and credit card reconciliation, and financial reporting. Together they give you books that reflect what actually happened in the business and statements you can rely on for decisions.

Transaction categorization is the first piece. Every charge, deposit, transfer, and payment that runs through your accounts gets coded to the right account in QuickBooks. A fuel charge goes to vehicle expense, not office supplies. A client payment lands in revenue, not owner contribution. Software subscriptions get separated from professional services. This is the work that makes your profit and loss statement meaningful. Without proper categorization, you have a list of transactions, not financial information.

Bank and credit card reconciliation is the next piece. Each month, the activity in your books gets matched against your actual bank and credit card statements. Every transaction has to clear. Anything missing gets added. Anything duplicated gets removed. This is what catches errors, missed deposits, unauthorized charges, and timing differences that would otherwise compound month after month. Reconciliation is what separates real bookkeeping from data entry.

Reporting closes the loop. Once transactions are categorized and accounts are reconciled, you get monthly financial statements. Profit and loss showing what you earned and spent. Balance sheet showing what you own and owe. These are the documents you use to make pricing decisions, plan for taxes, apply for financing, and understand how the business is actually performing.

What full-service bookkeeping does not include is also worth knowing. Payroll runs separately. Accounts payable and bill pay is a separate service. Tax return preparation is project-based. Cleanup of prior periods is handled through catch-up bookkeeping. The monthly fee covers the ongoing work of keeping current books accurate, not one-time projects or specialized work outside that scope.

Pricing for full-service bookkeeping starts at $225 per month and is based on your average monthly expenses by dollar amount. A business spending $10,000 a month has fewer transactions and less complexity than one spending $150,000 a month, so the pricing reflects that. You’re paying for the volume of work involved, not a flat rate that overcharges small operations or undercharges larger ones.

The point of full-service bookkeeping is that you stop touching the books. You send statements and access, and clean monthly reports come back. That’s what most small business owners are looking for when they reach out for bookkeeping, tax and consulting services. Not a tool to learn or a process to manage, but reliable financial information delivered on schedule so they can run the business instead of accounting for it.