At America First Financial Group, our mission is to empower small businesses and hardworking Americans by delivering dependable, honest, and affordable financial services — all under one roof.
We combine expert insurance protection with full-service bookkeeping to simplify your operations, protect your livelihood, and help you make confident decisions about your business and your future. Whether you're hauling freight, building homes, or running a local trade, we stand with you — offering straight answers, personal service, and real solutions.
Protect what you’ve built. Grow what’s next.
We’ll help you do both.
About Us:
Feeling overwhelmed by mountains of paperwork? Let us take the books off of your hands, while giving you the confidence in your numbers to take the next Big Step in your business!
We operate by the same guiding principles that our Founder envisioned when starting AFFG:Family Values, Freedom, and Clean Books!
Bookkeeping Services
Tier 1
Basic Compliance PackageIdeal for: Owner-operators, solo contractors, or service-based LLCs with low volume.
Monthly transaction categorization and reconciliation (1–2 bank/credit accounts)
Financial reports (P&L, Balance Sheet, Cash Flow)
Year-end CPA-prepared financials for tax filing
💰 Starting at: $250/month
📌 Add-ons: Payroll processing, invoicing, sales tax filings
Tier 2
Standard Operations PackageIdeal for: Small contractors, tradesmen, or trucking companies with payroll and moderate complexity.
Everything in Tier 1, plus:
Payroll integration & coding (via 3rd party provider)
Up to 3 bank/credit accounts and 200 transactions/month
Basic accounts receivable and accounts payable tracking
Quarterly meeting to review financials
Industry-specific chart of accounts (construction/job costing, trucking compliance)
💰 Starting at: $500/month
Tier 3
Full-Service + Advisory PackageIdeal for: Growing businesses or those needing advisory support, job costing, or compliance help.
Everything in Tier 2, plus:
Job costing or class tracking setup
Cash flow projections & budgeting
Monthly 1-on-1 review call with CPA
Dedicated client portal & document archive
Unlimited email support and priority response
Annual review for tax strategy & entity optimization
💰 Starting at: $1,000/month
Add-ons:
| Service | Pricing |
|---|---|
| Historical catch-up bookkeeping | $100/hour or custom project rate |
| Quickbooks setup/cleanup | $500+ one-time |
| Monthly or quarterly sales tax filings | $75-150/filing |
| Payroll setup (if not using provider) | $200+ one time |
| Quarterly financial analysis | $300/quarter |
| Annual tax return prep (referral/paretner or in-house) | Priced Separately |
Request a Quote:
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Blog
Navigating the complexities of business finance and insurance requires more than just expertise — it demands insight, strategy, and clarity. Our blog is where Fractional CFO services meet smart insurance solutions, offering you practical advice, industry updates, and financial strategies tailored for growing businesses. Whether you're looking to improve cash flow, manage risk, or make confident decisions with your numbers, you're in the right place.
Schedule Your Annual Insurance Policy Review – With Someone Other Than Your Current Agent
When was the last time someone outside your insurance agent took a look at your coverage?Most people stick with the same agent year after year—sometimes for decades. But loyalty shouldn’t come at the cost of being underinsured, overinsured, or overcharged. That’s why getting an annual insurance policy review from an independent professional—not affiliated with your current agent—is a smart move.
Here's why it matters:
Unbiased Perspective: Your agent may not point out gaps or better options if they’re tied to one carrier or a limited product line. An outside expert has no incentive to keep you in the same policy.
Catch Cost Increases: Insurance premiums can creep up. A second opinion helps determine if you're still getting competitive pricing.
Update Coverage for Life Changes: If your business grew, bought equipment, or changed operations, your old policy might not cover your new risks.
Identify Overlaps or Gaps: Some policies duplicate coverage. Others leave you dangerously exposed. A fresh set of eyes can find both.
Bottom line? Getting a review doesn’t mean you have to switch agents—but it gives you peace of mind that your coverage fits your needs, not just your agent’s commissions.
The Benefits of Bundling Insurance and Bookkeeping with One Trusted Vendor
Most small business owners juggle too much. Between managing operations, paying bills, and keeping up with customers, it’s easy to lose track of insurance and financial tasks. That’s where bundling your insurance and bookkeeping services with a single trusted vendor makes a big difference.
Here’s what you gain:
Time Savings: You don’t have to explain your business to multiple vendors. One provider knows your operations, cash flow, assets, and risks.
Fewer Surprises: Because your bookkeeping provider sees your finances, they can flag coverage gaps or recommend updates when things change.
Built-In Accountability: When one company handles both sides, there’s no finger-pointing if something gets missed. Your business’s financial and risk picture is integrated and aligned.
Cost Efficiency: Some vendors offer reduced pricing for bundled services. That’s not just convenience—it’s real money back in your pocket.
Think of it like having a fractional CFO who manages risk and finances in sync. You’re not just saving time and money—you’re running a smarter, safer business.
Captive vs. Independent Insurance Agents: What’s the Difference and Why It Matters
Not all insurance agents are the same. Some work for just one insurance company. Others shop around to find you the best deal.
Understanding the difference can save your business thousands of dollars every year.Captive Agents:
These agents represent a single insurance company like State Farm, Allstate, or Farmers. They sell only that company’s products. If your coverage needs fall outside what their carrier offers, you're stuck—or you pay too much.
Independent Agents:
Independent agents aren’t tied to one carrier. They work with multiple insurance companies to find the best coverage and price for your specific situation. Think of them like insurance shoppers working on your behalf—not the insurance company’s.
Why Independent Agents Are a Better Fit for Small Businesses:
More Options: They can compare quotes across several carriers and tailor policies to your exact needs.
Better Rates: More competition usually means better pricing.
Unbiased Advice: Their goal is to serve you, not to meet sales quotas for one brand.
If you want someone in your corner who can adapt as your business grows and changes, an independent agent is the clear choice.
Why Small Healthcare Providers Need Cyber Insurance More Than Ever
Hackers aren’t just targeting big hospitals anymore. In 2024 alone, small clinics and private practices were among the most frequent victims of cyberattacks. If you handle patient data, you’re a target.
Here's why cyber insurance is critical for small Healthcare practices:
Sensitive Data = Big Risk: Healthcare providers handle protected health information (PHI), Social Security numbers, birthdates, and payment info. That’s a goldmine for cybercriminals.
HIPAA Fines Are Steep: If a breach happens and you're not properly insured, your practice could face government fines on top of ransom payments and legal fees.
Downtime is Costly: Most cyber insurance policies cover business interruption, helping you get back up and running quickly.
Ransomware is on the Rise: Hackers now commonly encrypt your patient records and demand payment to release them. Cyber coverage helps pay ransom demands and covers investigation and recovery costs.
Even if you’re a solo practitioner or a small specialty office, you need protection. Cyber threats are growing, and without coverage, one breach could shut you down.