Financial Truth
Your numbers, reconciled and trustworthy, with QuickBooks as the single source of truth.
For faith-driven small business owners, nationwide
Stop guessing with your money.
1610 Consulting gives small business owners across the US the online bookkeeping, cash flow management, and fractional CFO support to pay yourself a real wage, plan for taxes instead of dreading them, and know what is safe to spend before you spend it. We work virtually, so you get the same clarity wherever you are. We build the financial system your CPA or EA and your bookkeeper were never meant to give you.
With Penny Armbruster, Fractional CFO and Financial Systems Strategist.
Book your free Financial Check-In.
A no-pressure first conversation to get clear on your next step.
You are doing well on paper. So why does it still feel like you are guessing?
Checking the bank balance to decide what is safe to spend.
No real answer for what you should be paying yourself.
Dreading tax season instead of planning for it.
You are not bad at business. You have outgrown the financial setup that got you here.
What 1610 Consulting does
We are a virtual financial firm for small business owners nationwide who want clarity, not just compliance. Our work covers three connected areas:
Bookkeeping: accurate, reconciled, tax-ready books maintained every month, so every number underneath your business can be trusted.
Cash flow and fractional CFO support: a clear owner-pay number, a tax reserve that actually gets funded, and a live view of your money.
Financial consulting: senior-level help for a defined challenge, from controller oversight to systems and budgets.
It all runs on one idea we call Profit OS: turn accurate numbers into everyday clarity and rhythm.
The real cost of guessing
When your financial setup has not kept up with your business, the cost is quiet but real. You underpay yourself because you are not sure what is safe. You get surprised by a tax bill you could have planned for. You make hiring, pricing, and spending decisions on instinct instead of on numbers. None of that means you are bad at business. It means you need a system, and that is exactly what we build.
The three pillars of Profit OS
Cash Flow Confidence
Know what is safe to spend, before you spend it, with a live dashboard you can read in seconds.
Wealth Systems
A structure that pays you consistently and sets aside taxes ahead of time, reviewed by a licensed Enrolled Agent.
Three ways to work with us
Profit OS
A 12-week financial system build to fix cash flow, owner pay, and tax readiness all at once.
Bookkeeping
Reliable virtual monthly bookkeeping for businesses that do not need a full overhaul.
Consulting
Senior financial expertise scoped to a specific problem.
Not sure which fits? Take the free 2-minute Business Health Check, or see all three ways to work with us.
How we work with you, wherever you are
We work with small business owners across the United States, and we do about 95% of our work online. Most of our clients are service businesses, professional practices, and owner-led companies that have grown past DIY bookkeeping and spreadsheet guesswork. Because everything runs on cloud accounting, a live dashboard, and monthly video reviews, working together virtually feels just as close as in person, whether you are in Texas, California, New York, or anywhere in between. We are based in Fort Worth, TX, and serve clients nationwide, Monday to Friday.
Why owners choose 1610 Consulting
Work from anywhere: we are fully virtual, so you are not limited to the firms in your town. You get senior-level help online, nationwide.
Year-round, not once a year: we do not file and forget. We build a relationship around your actual numbers every month.
Personalized video reviews: every month you get a short, plain-English video walkthrough of your reports, so you actually understand what your numbers mean.
One source of truth: every platform you use is integrated and synced back to QuickBooks, so the numbers finally match.
We work alongside your tax professional: owner-pay and tax-reserve guidance is reviewed by Michael Hogberg, EA, and your books are handed off tax-ready.
Stewardship and integrity: for faith-driven owners, we treat your business as a calling worth caring for well, not just a set of numbers.
How we work with your CPA or EA
We are not here to replace your tax professional, we are here to make their job easier and your year calmer. We keep your books clean and tax-ready all year, build the owner-pay and tax-reserve system that removes the April surprise, and hand everything off to a licensed Enrolled Agent for filing. If you do not have a preparer, we refer every client to Michael Hogberg, EA.
Meet the team
This is not a one-person operation. Penny and Jonathan built 1610 Consulting together, Lisa keeps the books running day to day, and every client is referred to Michael Hogberg, EA, for tax filing.
Penny Armbruster,
Fractional CFO and founder, two decades of accounting and financial operations experience.
Jonathan Armbruster,
Operations, Certified Project Management Professional.
Lisa,
Bookkeeper.
Michael Hogberg,
EA, tax filing partner.
What clients are saying
"What felt overwhelming and stressful has now become clear, organized, and streamlined. Their work has not only set me up for a much smoother tax season, it has given me something I have never had before in my career, a solid, workable budget."
"Penny caught some bookkeeping errors from our previous bookkeepers that made a significant difference in our tax liability. I cannot recommend 1610 enough. They truly care."
"Her combination of financial knowledge, biblical wisdom, and genuine care is priceless. I highly recommend Penny and 1610 Consulting."
Frequently asked questions
Ready to stop guessing?
Book your Financial Check-In.
Book Your Financial Check-InNot sure which fits? Take the 2-minute business diagnostic and find out where you stand.