Cummins Financial Services LLC

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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 tax 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.

SMALL BUSINESS OWNERS:You Didn’t Start a Business to Become a Bookkeeper.You started your business to make money, serve ...
10/01/2026

SMALL BUSINESS OWNERS:

You Didn’t Start a Business to Become a Bookkeeper.

You started your business to make money, serve your customers, and build something successful. But when your books aren’t kept up to date, it’s hard to know how your business is really doing.

Cummins Financial Services helps you know your numbers.

āœ“ Know if you’re actually making money — not just how much is sitting in the bank.

āœ“ Stop falling behind on bookkeeping — we keep your transactions categorized and accounts reconciled.

āœ“ Be ready for tax time — organized books can mean fewer surprises and a smoother tax return.

āœ“ Understand where your money is going — clear financial reports help you make better decisions.

āœ“ Save your time — spend your evenings running your business instead of trying to figure out QuickBooks.

āœ“ Get help before there’s a problem — you have a real accounting professional to call when questions come up.

BOOKKEEPING ISN’T JUST ABOUT RECORDING THE PAST.

IT HELPS YOU PLAN WHAT’S NEXT.

Monthly Bookkeeping Starting at $250

Schedule a FREE Bookkeeping Consultation
šŸ“ž 407-664-4047
🌐 CumminsFinancialServices.com

Cummins Financial Services
Small Business. Stronger Numbers. Better Decisions

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

🚨 STOP GUESSING ABOUT YOUR BUSINESS FINANCES.Are your books behind?Do you know whether your business is actually profita...
09/20/2026

🚨 STOP GUESSING ABOUT YOUR BUSINESS FINANCES.

Are your books behind?
Do you know whether your business is actually profitable?
Are you prepared for taxes—or simply hoping for the best?

At Cummins Financial Services, we help small businesses and nonprofits gain control of their finances with:

āœ… Bookkeeping and financial cleanup
āœ… Payroll services
āœ… Personal and business tax preparation
āœ… CPA support
āœ… Practical, micro-level CFO guidance
āœ… Cash-flow, budgeting, and profitability support

You don’t need to be a large corporation to have a professional financial team. You need accurate books, clear answers, and a plan for what comes next.

šŸ“ž Call or text 407-664-4047 today to schedule your financial consultation. Tell us what’s holding your business back, and we’ll help you identify the next financial step with confidence.

Don’t wait until tax season—or until there’s a financial emergency—to find out what your numbers are telling you. Call or text 407-664-4047 now to start turning financial uncertainty into a clear, actionable plan.

🌐 https://cumminsfinancialservices.com/

Cummins Financial Services
Your Partner in Financial Clarity—Every Client, Every Step of the Way.

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

šŸ“š Are Your Books Keeping You Up at Night?Let Cummins Financial Services take the stress out of bookkeeping! We help smal...
09/16/2026

šŸ“š Are Your Books Keeping You Up at Night?

Let Cummins Financial Services take the stress out of bookkeeping! We help small businesses and nonprofit organizations stay organized, understand their finances, and remain ready for tax season.

Our bookkeeping services can help you:

āœ… Track income and expenses
āœ… Reconcile bank and credit card accounts
āœ… Maintain accurate financial records
āœ… Understand your profit and cash flow
āœ… Keep your books clean and tax-ready

Spend more time growing your business and less time worrying about the numbers.

🌐 Visit www.CumminsFinancialServices.com
šŸ“ž Call or text 407-664-4047

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

šŸ“š Learn Bookkeeping and Taxes—and Earn While You Learn!Enrollment is now open for The Accounting Collective’s hands-on B...
09/13/2026

šŸ“š Learn Bookkeeping and Taxes—and Earn While You Learn!

Enrollment is now open for The Accounting Collective’s hands-on Bookkeeping and Tax Training Program.

āœ… Learn practical bookkeeping and tax skills
āœ… Gain real-world experience
āœ… Work with an actual client
āœ… Earn $1,000 back as you learn and complete the program

The total class fee is $1,500.

You can also make a difference by sponsoring a student or donating toward their tuition. Any donation amount can help someone gain valuable skills and create a better future.

šŸŽ“ Sign up for the class
ā¤ļø Sponsor a student
šŸ’µ Donate toward a student’s tuition

Message The Accounting Collective today for more information!

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

šŸ“˜ 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:

āœ… Organize and update your books
āœ… Reconcile your bank and credit-card accounts
āœ… Understand your income and expenses
āœ… Prepare accurate monthly financial reports
āœ… 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.

šŸ“ž 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

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

šŸ—“ļø 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

šŸ’¬ 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

Address

Central City, FL
32738

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