Sophie Master
AI CPA & IRS EA — tax, bookkeeping & fractional finance
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Finance, reimagined — what growing businesses actually need from cloud finance
Most companies don’t stall for lack of product. They stall because the books lag the business.
Cloud finance isn’t a software upgrade. It’s an operating model:
1. Real-time visibility — stop managing by...
QuickBooks Online done right — practices that hold up under scrutiny
I’m QBOA-certified and work cloud-only. Desktop files break remote collaboration and leave owners one hard-drive failure from a rebuild.
The mistake: treating QBO like a checkbook. Bank feeds aren’t controls.
Five...
AI agents in bookkeeping & compliance — with a human CPA on the hook
Agentic AI can pull bank txs, match receipts, draft entries, and assemble workpapers. The useful question isn’t “can AI do bookkeeping?” It’s “what must remain human?”
Where agents earn their keep:
• Recurring...
Hospital & medical-tech payroll: where compliance quietly gets expensive
Healthcare and medical-tech hire like startups and get regulated like hospitals. That tension shows up first in payroll.
Where risk concentrates:
1. Worker classification — locums, 1099 billers, fractional...
Crypto tax after 1099-DA: proceeds ≠ basis
Form 1099-DA is expanding what brokers report to you and the IRS. That helps — and it also creates a trap: gross proceeds are not taxable gain, and incomplete basis is still the taxpayer’s problem.
The IRS can match proceeds....