FLUENT FINANCIALSFull-Service Accounting Firm
Established CPA firm · Tax · Accounting · Fractional CFO

Tax, Accounting and CFO ServicesProfessional Expertise. Personal Attention.

Fluent Financials is an established accounting firm: a team of CPAs, bookkeepers and office staff serving individuals, families and small to mid-size businesses, new or long established. From tax planning and monthly books to fractional CFO work and the yearly filings that keep a business in good standing, we get to know you and plan ahead so you keep more of what you earn.

  • A team of CPAs, bookkeepers & support staff
  • Led by Aviva Hendry, CPA
  • Secure client portal
Services

Everything Your Finances Need, in One Firm

Taxes, books, financial leadership and the yearly paperwork in between, handled by people who already know your numbers.

Tax planning & preparation

Planning through the year, not just at filing time. Most savings are decided before December 31.

What's included
  • Tax planning for individuals and business owners
  • Individual and family returns
  • Partnership, S corporation and C corporation returns
  • Trust, estate and nonprofit returns

Monthly accounting & bookkeeping

Books reconciled and closed every month, so you always know where you stand, and year-end is never a scramble.

What's included
  • Full-close monthly accounting
  • Bookkeeping
  • Monthly financial statements
  • QuickBooks set-up, clean-up and maintenance

Fractional CFO & advisory

Senior financial leadership on your schedule, without the cost of a full-time CFO.

What's included
  • Fractional CFO services
  • Budgeting and financial forecasting
  • Business consulting
  • Entity formation and structure

Year-round business upkeep

The recurring filings that keep a business in good standing: tracked, prepared and filed on time.

What's included
  • Maryland annual report and personal property return
  • 1099 preparation and filing
  • Payroll and sales-tax filings
  • Business license renewals and deadline tracking
Who we work with

Individuals, Families and Established Businesses

Whether you are filing your first return or running a company with decades of history, multiple owners and a full payroll, you get the same careful, CPA-level attention.

A specialty: property management. We have particular depth working with property management companies: the multi-property books, owner and vendor reporting, and year-end filings the business depends on.

Individuals & families Established businesses Property management companies Self-employed & freelancers Real estate investors Partnerships & LLCs S corporations C corporations Trusts & estates Nonprofits
Looking ahead

We Don't Just Record Last Year

Two of the most valuable things we do happen before the numbers are final.

Tax planning

The best time to save on taxes is before the year ends

Filing season records what already happened. Planning changes it. We explain the numbers in plain English: what a move would save, what it costs and when it has to be done.

See examples
  • Retirement contributionsHow much to put away, and where it saves the most.
  • Business structureWhether an S corporation or another set-up makes sense yet.
  • TimingWhen to take income, pay expenses or sell investments.
  • Family & educationEducation savings, dependent care and gifts.
Fractional CFO

A CFO's view of your business, without the full-time salary

Whether your business is long established or changing fast, it benefits from someone watching the numbers and thinking ahead. We take that seat for as many hours as you need.

See examples
  • Cash flow & forecastingKnow what is coming in and going out, months ahead.
  • Budgets & targetsSet together, tracked monthly.
  • A regular numbers reviewWhat changed, why, and what to do about it.
  • Big decisionsHiring, pricing, financing, expansion or succession, with the numbers in front of you.
How it works

Getting Started Is Simple

No long forms up front and no documents by email. Here is what happens.

Tell us about you

Answer a few quick questions online, or book a call, whichever you prefer.

A 15-minute fit check

We talk through your situation, what you need and how we can help.

A plan for your work

A secure questionnaire built around your answers, a secure place for documents, and a calendar of what's due.

We do the work and stay in touch

Returns, books, filings and planning, handled by the right person on our team, explained clearly, all year.

Aviva Hendry, CPA
Aviva Hendry, CPAMaryland license
About

An Established Firm with a Personal Touch

Fluent Financials, LLC is an established accounting firm: a team of CPAs, bookkeepers and administrative staff serving individuals, families and small to mid-size businesses.

We get to know you and your business to help you reach your goals sooner, while keeping excellent financial records and sharing proactive tax advice along the way.

Under the direction of Aviva Hendry, CPA, the firm offers a unique blend of personable and professional accounting: the attention of a dedicated team, with the systems of a modern firm.

CPAs

Tax planning and preparation, fractional CFO work, and the advice that ties it all together.

Bookkeepers

Monthly close, reconciliations and QuickBooks, kept current all year.

Client & office support

Scheduling, documents, deadlines and quick answers, so you always know what's next.

Book a 15-minute fit check Save our contact
Reviews

What Clients Say

Always ahead of the financial curve! Fluent Financials was able to significantly lower our taxable income through smart planning.
JJ Properties
Aviva got my taxes done quickly and painlessly. I know I can just hand all my documents into her capable hands and not worry about it again. Super quick turnaround time, no worries that it won't get in on time. Definitely going to be using her services year after year!
Aviva B.
Aviva has filed our taxes for the past two years. Her friendly manner and quick, thorough work has helped us save time and money. We look forward to many more years filing with her!
Yael S.
Aviva has been doing the bookkeeping for our nursing home management company for one year now. She is great at what she does, quick and efficient. We are very pleased with her work.
Esther T.
Aviva was so great!!! She made things so easy for us. Will definitely continue to use her.
Cassie F.
Common questions

Questions We Hear Often

Do you prepare business returns as well as personal ones?

Yes. Individual and family returns, and partnership, S corporation, C corporation, trust, estate and nonprofit returns.

When is the best time to talk about tax planning?

Before the year ends. Most savings, like retirement contributions, the timing of income and expenses, or a change of business structure, have to be in place by December 31 to count.

How do I send you my documents?

Through our secure portal. Please do not send tax documents or ID by email: the portal keeps them protected, and we let you know exactly what we still need.

What if my return is not ready by April 15?

We can file an extension, which gives six more months to file. An extension does not extend the time to pay, so if you are likely to owe, we estimate the amount with you and it is paid by April 15.

Do you work with established businesses, not just new ones?

Yes. From monthly accounting and bookkeeping to fractional CFO work, we work with businesses at every stage, including long-established companies with multiple owners and a full payroll.

Do you work with clients outside Maryland?

Yes. We are based in Montgomery County, Maryland, and work with clients across Washington DC, Maryland and Virginia, in New York and New Jersey, and in other states. Documents come to us through our secure portal, so distance is rarely an issue.

Do you specialize in any industry?

Property management. We have particular depth with property management companies: the multi-property books, owner and vendor reporting, and the year-end filings the business depends on.

What happens after I get in touch?

You answer a few quick questions about yourself or your business, we talk through what you need, and we send a short, personal checklist of what to gather. No long forms up front.

Contact

Let's Talk

Reach out for a personal consultation about your personal or business accounting needs.

Based in Montgomery County, Maryland. Serving clients across Washington DC, Maryland and Virginia, in New York and New Jersey, and beyond.

Hours & appointments

Monday – Thursday9 AM – 5 PM
Friday9 AM – 3 PM
SaturdayClosed
SundayClosed

Dropping off documents? Meetings and drop-offs are by appointment. Call or email and we'll set a time.

Already a client? Use the secure link in your email to upload documents.

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Fluent FinancialsFull-Service Accounting Firm410-929-4884 · info@fluentcpa.com
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