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Fibonacci Bookkeeping

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Spokane County, WA
Fibonacci Bookkeeping

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Financial clarity for real estate investors, contractors, architects, engineers & consultants who are behind on their books.

We bring 20+ years of project experience to restore your financial control through structured cleanup & ongoing partnership.

11/04/2026

I learned systems on construction projects, not in a bookkeeping course.

A project had a timeline, a budget, and a sequence. Skip a step, and the next step did not hold up. Finish a step properly, and you could trust what came next.

I use the same test for a month of books now.

Finish one month, completely, in order, before you open the next one. Then that month is not a guess. It is a finished step you can build on.

That is why, when a client is behind, I do not start with this month. We start with the oldest open month, close it, and move forward from solid ground.

What step in your books feels unfinished right now?

11/03/2026

How far behind are you, really?

Most owners guess. Guessing feels worse than knowing.

Do three counts. One, how many months are still unfinished, with no final numbers you can trust for that month. Two, how many bank accounts and cards have statements you have not matched yet. Three, how many months have income and expenses sitting unsorted and unreviewed.

Add them up. That total is your catch-up list, in plain sight.

Work it oldest first. Finish one month before you open the next.

Which count surprised you most?

11/02/2026

Am I even doing this right?

That question usually shows up late at night. Not when the books are perfect. When they are a few months behind and the bank balance does not match what you thought you had.

Here is the honest check. If you cannot say, for last month, which jobs paid for themselves and which ones did not, you are not behind on paperwork. You are missing the numbers you make decisions with.

That is fixable. It starts with one month, done completely, not all of them at once.

What month would you want clear first?

10/30/2026

Every door is rented. You are not sure which ones are actually carrying their weight.

I talk to investors every week who have full occupancy, consistent rent, and a quiet sense that something is off. Not a crisis. Just a feeling that the numbers should be adding up differently than they are.

Usually they are right.

When I look at the books, it is almost always one of two things.

One door with a repair cycle that nobody has been tracking closely enough. Or an expense category that has been drifting upward for months without anyone noticing.

Neither is visible in the bank account. The total goes up. The total goes down. Month to month it seems to even out and you move on.

But per property, one of those doors has been a net negative for six months.

Busy is not the same as profitable. Full occupancy is not the same as a good return.

Your books should be able to show you the difference. By door. Every month.

If they cannot, you are making portfolio decisions with an incomplete picture.

Which of your doors would you least want to look at closely right now?

10/29/2026

Most investors who finally get their books cleaned up and organized say the same thing.

Not that it was hard to find someone. Not that the process was complicated or painful.

That they wish they had done it sooner. Usually by a year or two.

The books were in whatever state they were in. They knew it. They had been planning to deal with it. And then Q4 would arrive and the same feeling would come back: this is not where I wanted to be at this point in the year.

There is also something that does not get said enough about this time of year.

Most business owners want December to feel like December. Time with family. Not a bookkeeping project. Not a frantic catch-up the week before the holidays. Not an apology to their CPA in January.

Getting the books in order now is how December gets to be December.

The cleanup work happens in October and November. Not in the middle of the holidays.

I run a small practice intentionally. Between now and the end of the year, I have room for three or four cleanup engagements. That is not a pressure tactic. It is just how the calendar works when you take on a limited number of clients at a time.

Here is what that call actually looks like.

Twenty minutes. No preparation needed on your side. We look at what you have, figure out what needs to happen to get you to clean, current, per-property financials before year-end, and you walk away knowing exactly where things stand.

No pitch on the other end. If it makes sense to work together, we talk about that. If it does not, you still leave the call with a clear picture of what you are working with and what to do about it.

If you want to find a time before November, the link is in comment.

10/28/2026

You are heading into the last quarter with the same books you have had all year. Some of it is right. Some of it you are not sure about. The year-end decisions are coming regardless.

The decisions that get made between now and December 31 often shape how next year starts.

Whether to close on a property before year-end. Whether to do a renovation now or push it to January. Whether to pay down debt or preserve cash going into 2027.

Every one of those decisions deserves better than a guess.

I talk to investors every October who are making these calls with books they do not fully trust. They have a sense of where things stand. A feeling. A rough idea based on what they can see in their bank account.

That is a hard way to make a Q4 decision.

There is also a timing reality most owners do not think about until it is too late.

October is the window. November is workable but tight. December is when the holidays take over and everything else wins. January is tax season.

The gap between where your books are now and where they need to be for year-end closes faster than it looks. Getting organized in October is a different experience than trying to do it in December between everything else that happens in December.

Clean per-property books give you something specific to work with: what each door produced this year, what the expense trends look like, and where your cash position actually stands right now.

That information belongs in every year-end conversation you have. With yourself. With your CPA. With a lender.

Q4 is not just tax preparation season. It is decision support season.

If your books are not current, October is the time to change that.

10/27/2026

Your CPA mentioned bonus depreciation is back at 100%. You are not sure your records are set up to capture it.

Your CPA knows the strategy. They know which assets qualify and how the calculation works.

What they need from you is the information to execute it.

For every piece of equipment, appliance, or improvement placed in service this year, there are three things your books should be able to produce immediately:

What the asset is. Which property it belongs to. The exact date it was placed in service.

Not the date you ordered it. Not the date you paid for it. The date it was actually placed in use at the property.

That distinction matters for whether the deduction applies. Your CPA knows the rule. The question is whether your records can support the conversation or whether you will be searching through texts and contractor emails in February trying to reconstruct a timeline from memory.

Clean books do not give you the tax strategy. They give your CPA what they need to run it.

That is the difference between a bookkeeping problem and a missed opportunity.

If you want a guide to recording a new property correctly from day one, including how to establish the placed-in-service date and read the settlement statement, that is exactly what the New Property Setup Guide covers. It is part of the DIY Landlord Bookkeeping Kit. Link in comment.

10/26/2026

Your CPA does not need perfect books.

They need books that are caught up, reconciled, and organized so they can do their actual job without spending the first three hours of your engagement reconstructing what happened.

Here is what those three words actually mean:

Caught up means every transaction through the end of the period has been entered. Nothing sitting in a pile waiting to be processed.

Reconciled means every bank account and credit card account has been matched against the statement. Every balance agrees. No mystery differences sitting unresolved.

Organized means every transaction is in the right category. Income is separated from expenses. For property investors, expenses are tagged to the right door.

When those three things are true, your CPA can look at your financial statements and do the work they are actually trained to do: analyzing, advising, and preparing an accurate return.

When they are not true, your CPA spends their time doing what should have been done before they opened the file. And you pay for that time.

Two things worth knowing about that dynamic:

CPA cleanup time is billed at CPA rates. And cleanup work done under tax deadline pressure is more expensive and more prone to errors than cleanup done with time to spare.

There is also a window that closes before most owners realize it.

October and early November are the last clear stretch for this kind of work. Once Thanksgiving arrives, attention shifts to everything else. December belongs to the holidays. January belongs to tax season.

Most owners who try to clean up their books in December are doing it in whatever is left over after everything else that happens in December. That is not how clean books get built. That is how half-finished books get handed to a CPA who then has to finish the job at CPA rates.

Year-end is two months away. The window to close that gap in an organized way is right now.

If you want a clear breakdown of the most common bookkeeping mistakes landlords make before they get caught up, and what to look for in your own books, the 10 Bookkeeping Mistakes guide covers each one specifically. It is part of the DIY Landlord Bookkeeping Kit at the link in comment.

10/23/2026

There is still time.

Not a lot of it, but enough.

If your books are behind right now, getting them cleaned up, reconciled, and organized per property before year-end is still possible. The window is November. Once December arrives, two things happen at the same time: the holidays take over and January starts getting closer.

Most business owners want December to feel like December. Time with family. Not a week of catching up on transactions from September. Not a year-end conversation with a CPA that starts with an explanation of why things are not ready.

Getting organized in October is how that becomes possible.

Most investors I talk to in January say the same thing. They had planned to deal with the books in October. Then November felt too close to the holidays. Then it was January and they were cleaning up under pressure instead of in order.

Clean books going into year-end give you three specific things.

A clear picture of where each door actually stands. Organized records for your CPA before they need them. The ability to make the last decisions of the year from numbers you actually trust.

I run a small practice intentionally. Between now and the end of the year, I have capacity for three or four cleanup engagements. After that, the next opening is in the new year, which means starting tax season without clean books from 2026.

If you want to know what it would take to get there before December, that is exactly what the 20-minute call is for.

No pressure on the other end. Just a clear picture of what you are working with and what the path forward looks like.

Link in comment.

10/23/2026

I used to open my business accounts and just hope the number looked okay.

Now I open them knowing exactly what I am looking at. Clean books. Accurate categories. A clear picture of where things stand.

That shift does not happen on its own. It happens when someone builds a system that makes the numbers readable every single month.

That is the call. 20 minutes. No pitch. Link in bio.

Address

Spokane County, WA

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+15092549009

Website

https://fibonaccibookkeeping.com/, https://proadvisor.intuit.com/app/accountant/search?searchId=theresia-kurnadi, https:

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