Sum Total Financial Services, LLC
Clarity in Your Finances, Confidence in Your Business
About Sum Total Financial Services
Heather Summer is the founder of Sum Total Financial Services, a bookkeeping and financial services firm based in Philadelphia, Pennsylvania. Sum Total was built for sole proprietors and small business owners who are brilliant at what they do and just need someone in their corner for the rest.
Early in her career, Heather worked as an office manager and bookkeeper, developing the financial and organizational foundation that would follow her everywhere she went. She made a deliberate pivot into the beauty and wellness industry, spending over 20 years working her way up from apprentice to stylist, salon manager, independent contractor, educator, and ultimately a school director.
Along the way she spent years helping fellow hairdressers with their taxes, knowing that simple returns shouldn’t come with a complicated price tag. She holds an Associate Degree in Accounting and a Bachelor of Science in Business Management, and is currently pursuing her MBA at Western Governors University. She launched Sum Total to offer bookkeeping, tax preparation, quarterly tax guidance, and ongoing small business support to the people she knows best: self-employed creatives, tradespeople, and independent contractors who need a financial partner who makes the numbers less intimidating and the path forward clear.
Services
Bookkeeping & Tax Packages
The foundation of a healthy business is knowing where your money stands every single month.
Bookkeeping Essentials: $150 per month
- Account reconciliation and transaction categorization for up to two accounts
- Financial statement preparation
- One-time setup fee: $150
- Additional accounts: $50/month each
- Free consultation for new clients
Bookkeeping + Tax: $200 per month
- Everything in Essentials + quarterly tax estimates and annual tax return included
- One-time setup fee: $150
- Free consultation for new clients
Tax Preparation
Tax season doesn’t have to be stressful. Tax preparation services are available as a standalone service.
- W-2 Tax return $50
- Sole proprietor Schedule C return: $100
- Business tax return (S-Corp/LLC): $150
- Free consultation for new clients
Business Services
Not sure where to start? Build the right foundation from day one.
- One-time bookkeeping cleanup: accounts reconciled, transactions categorized, and records organized so you know where you stand. Starting at $150. Free consultation to assess scope.
- Business structure guidance: Not sure whether to operate as a sole proprietor or form an LLC? Get clear on your options and find the structure that fits your situation. LLC formation assistance starting at $300. Free consultation for new clients.
Please note: Sum Total Financial Services is not a licensed CPA firm. Tax preparation services are provided by an experienced tax professional. For complex tax situations, audit representation, or matters requiring a CPA, we will refer you to the appropriate professional.
Sum Total Financial Services provides administrative assistance and general guidance for business registration and is not a law firm. For questions involving liability, contracts, or complex business structure decisions, we recommend consulting a licensed attorney.