Cummins Financial Services LLC

Cummins Financial Services LLC Cummins Financial Services helps small businesses and nonprofits thrive with expert CPA, bookkeeping, payroll, tax preparation, and CFO advisory services.

We provide accurate financial guidance so you can confidently focus on growing your business. With 30 years of extensive experience in financial management and business operations, Tammie Cummins leads Cummins Financial Services, Inc. as its Owner and CEO. Over the course of her career, she has excelled in key roles such as office manager, recruiter, accounts payable specialist, bookkeeper, and ta

x preparer. This diverse background has given her a deep understanding of finance and operations, which she leverages to propel her company’s growth and success. Tammie’s professional journey is shaped by her dedication to excellence and her passion for financial services. Her personal life is equally fulfilling; she has been married to her husband for over 30 years, and together they are proud parents of two daughters and grandparents to six. In addition, Tammie and her husband Richard own Cummins Sugar Sand Ranch, a family-operated venture in Deltona, Florida. The ranch is home to chickens, ducks, and a Sulcata tortoise, showcasing the Cummins family's commitment to sustainable farming and community values. More than a business, the ranch is a cherished family legacy, reflecting their strong work ethic and love for both their craft and family.

📘 Stop Letting Bookkeeping Become a Weekend ProjectWhen bookkeeping is postponed, receipts accumulate, transactions rema...
08/30/2026

📘 Stop Letting Bookkeeping Become a Weekend Project

When bookkeeping is postponed, receipts accumulate, transactions remain uncategorized, and important questions become harder to answer.

Consistent professional support can help keep accounts reconciled, records organized, and financial information ready for payroll, tax preparation, and CPA review.

Let Cummins Financial Services LLC help you move bookkeeping off your weekend list.



Cummins Financial Services LLC
Office: 407-664-4047
Cell: 407-687-1812
[email protected]

BOOKKEEPING • PAYROLL • TAX PREPARATION • CONTRACTED CPA SERVICES Reliable financial support for businesses, nonprofits, an

Your Business Books Behind—or Just Confusing?You work hard to grow your business. You shouldn’t have to spend your eveni...
08/29/2026

Your Business Books Behind—or Just Confusing?

You work hard to grow your business. You shouldn’t have to spend your evenings worrying about bookkeeping.

Cummins Financial Services is currently accepting a few new bookkeeping clients. We can help you:

✅ Organize and update your books
✅ Reconcile your bank and credit-card accounts
✅ Understand your income and expenses
✅ Prepare accurate monthly financial reports
✅ Keep your business ready for tax season

Start with a complimentary Bookkeeping Health Check. We’ll review your current bookkeeping, identify potential problems, and explain what you should address first—without judgment or pressure.

📞 Call 407-664-4047
🌐 Visit TrustCFS.com

Let’s get your books organized so you can focus on running your business.

Accounting • Payroll • Tax Preparation For Individuals, Small Businesses & Nonprofits

One lesson I share with business owners is that payroll involves much more than issuing checks.Imagine an illustrative s...
08/27/2026

One lesson I share with business owners is that payroll involves much more than issuing checks.

Imagine an illustrative situation: payday arrives, but an employee’s hours were not approved, a reimbursement was overlooked, and a new hire’s information is incomplete. A simple payroll checklist could have identified those issues earlier.

If payroll is becoming stressful or taking too much of your time, I would be glad to discuss how Cummins Financial Services can help you build a more organized process.



Cummins Financial Services LLC
Office: 407-664-4047
Cell: 407-687-1812
[email protected]
https://cumminsfinancialservices.com

Sales Are Important—But Collected Payments Keep Business MovingAn invoice is not the same as money in the bank. Review o...
08/25/2026

Sales Are Important—But Collected Payments Keep Business Moving

An invoice is not the same as money in the bank. Review outstanding invoices regularly, document customer follow-ups, and keep invoiced revenue separate from collected cash when evaluating your business.

Accurate bookkeeping can help you understand what customers owe and what funds are actually available.

Cummins Financial Services LLC provides bookkeeping, payroll, tax preparation, and contracted CPA services for small businesses.



Cummins Financial Services LLC
Office: 407-664-4047
Cell: 407-687-1812
[email protected]

BOOKKEEPING • PAYROLL • TAX PREPARATION • CONTRACTED CPA SERVICES Reliable financial support for businesses, nonprofits, an

🗓️ Start the Week With a 15-Minute Financial ResetBefore Monday gets busy, take a few minutes to:* Review unpaid custome...
08/23/2026

🗓️ Start the Week With a 15-Minute Financial Reset

Before Monday gets busy, take a few minutes to:

* Review unpaid customer invoices
* Confirm upcoming payroll dates
* Organize new receipts
* Note financial questions that need professional attention

Small, consistent check-ins can help prevent bookkeeping tasks from piling up.

Cummins Financial Services LLC provides bookkeeping, payroll, tax preparation, and contracted CPA services for small businesses.



Cummins Financial Services LLC
Office: 407-664-4047
Cell: 407-687-1812
[email protected]

BOOKKEEPING • PAYROLL • TAX PREPARATION • CONTRACTED CPA SERVICES Reliable financial support for businesses, nonprofits, an

08/22/2026

Business Page

💬 What Keeps Small-Business Owners From Getting Bookkeeping Help?

Is it the cost, lack of time, uncertainty about what a bookkeeper does, or concern about sharing financial information?

Cummins Financial Services LLC believes professional financial support should feel understandable and approachable. We provide bookkeeping, payroll, tax preparation, and contracted CPA services based on each business’s needs.

Tell us in the comments: What would make it easier for you to ask for bookkeeping help?



Cummins Financial Services LLC
Office: 407-664-4047
Cell: 407-687-1812
[email protected]
https://cumminsfinancialservices.com

Personal Facebook Profile

I have a question for my small-business friends—and I truly want honest answers.

What keeps you from hiring a bookkeeper or accountant?

Maybe you think your business is too small, worry about the cost, prefer handling things yourself, or simply do not know what kind of help you need. There is no wrong answer. Your feedback can help me find better ways to make financial support easier to understand and access.

Please share your answer below. 😊



Cummins Financial Services LLC
Office: 407-664-4047
Cell: 407-687-1812
[email protected]
https://cumminsfinancialservices.com

📊 SMALL-BUSINESS OWNER POLLWhat is the main reason you do not use a professional bookkeeper or accountant for your bookk...
08/22/2026

📊 SMALL-BUSINESS OWNER POLL

What is the main reason you do not use a professional bookkeeper or accountant for your bookkeeping?

A. It costs too much
B. I prefer to do it myself
C. My business is too small
D. I do not trust someone else with my finances
E. I have not found the right professional
F. I do not understand how a bookkeeper could help me

Comment with the letter that best describes you—or share another reason below.

There are no wrong answers! I’m asking because I want to better understand what small-business owners truly need.

— Tammie Cummins
Cummins Financial Services, LLC
Tex me at 407-687-1812

👥 Growing Your Team? Build a Payroll Process That Can Grow TooAdding employees brings new responsibilities. A consistent...
08/21/2026

👥 Growing Your Team? Build a Payroll Process That Can Grow Too

Adding employees brings new responsibilities. A consistent payroll process should include organized time records, documented pay changes, clear approval steps, and securely maintained employee information.

Cummins Financial Services LLC supports small businesses with payroll, bookkeeping, tax preparation, and contracted CPA services.

Preparing to hire or improve your current payroll process? Contact us to discuss your business needs.



Cummins Financial Services LLC
Office: 407-664-4047
Cell: 407-687-1812
[email protected]
https://cumminsfinancialservices.com

Address

Central City, FL
32738

Telephone

+14076871812

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