1610Consulting

    Our Story

    20 years building financial systems. Now doing it for you.

    I've spent 20 years in the accounting industry — not just keeping books, but running full financial operations for multiple companies, doing the kind of CFO-level work most business owners never get access to unless they're big enough to hire one in-house.

    In 2024, I took that experience and built 1610 Consulting, because I kept seeing the same gap everywhere I looked. Business owners with clean enough books, but no real financial clarity. They didn't know what they could safely pay themselves. They dreaded tax season instead of planning for it months ahead.

    Great bookkeeping is the foundation everything else stands on, and bad bookkeeping is genuinely expensive. It costs business owners in missed deductions, blind spots, and decisions made on numbers that were wrong from the start. But a foundation isn't the whole house. A lot of businesses have technically accurate books and still have zero real clarity about what they can pay themselves or what's coming for taxes. That gap is what 1610 builds on top of great bookkeeping, not instead of it.

    That's exactly what 1610 builds: the systems that give owners real-time clarity — what's coming in, what's going out, and what's actually safe to move. Numbers a business owner can lead with, not just look back on.

    I believe an owner shouldn't have to steward their business's resources in the dark.

    Penny and Jonathan Armbruster built 1610 Consulting together

    Built Together

    Built Together.
    On Purpose.

    Jonathan and I always knew we wanted to build something together. When I launched 1610 in 2024, we had been praying about when the right time would be for him to join me in entrepreneurship.

    Three months later, he was laid off from his job of 12 years.

    On purpose.

    Jonathan joined me in God's perfect time. What looked like a setback was really Him ordering our steps.

    Our strengths could not be more different, and that's exactly why it works. He's organized and systematic. I'm artistic and abstract. He's calm. I'm wild. Where I see the big picture, he builds the structure underneath it.

    He started out helping with marketing, and today he works directly with clients in a systems and process role, consulting on integrations and building the dashboards that make our clients' numbers make sense at a glance. He's still, without question, the best podcast producer in the universe. But he's so much more than that.

    Above all, he's the best husband I could ask for and an incredible dad to our three kids. I wouldn't want to build any of this with anyone else.

    Meet the Team

    The people behind your numbers

    Penny Armbruster, Fractional CFO & Founder at 1610 Consulting

    Penny Armbruster

    Fractional CFO & Founder

    Jonathan Armbruster, Operations & Systems at 1610 Consulting

    Jonathan Armbruster

    Operations & Systems

    My husband and business partner. Jonathan is a Certified Project Management Professional and a genius at building systems and SOPs — the kind anyone on the team can actually follow. He's also the producer behind our podcast, Why Did We Start This?

    Why Did We Start This?

    Our podcast for small business owners who are figuring it out as they go. Penny and Jonathan talk candidly about the financial realities of running a business — owner pay, cash flow, tax planning, and the stuff nobody warns you about. New episodes drop regularly.

    Lisa Silver, Bookkeeper at 1610 Consulting

    Lisa Silver

    Bookkeeper

    Our bookkeeper, Lisa brings over 10 years of experience keeping books accurate and workflows running smoothly. Before joining 1610, she managed financial operations for 15+ churches and nonprofits, and served as a workflow manager overseeing an accounting firm's client work and admin team. She's direct, thorough, and genuinely loves watching clients use clean numbers to make better decisions. Outside of work, she's usually baking or outside with her family.

    Michael Hogberg, EA, trusted tax partner of 1610 Consulting

    Our Trusted Tax Partner

    Michael Hogberg, EA

    For tax strategy, planning, preparation, or filing, you can work directly with our trusted partner.

    We exclusively refer our clients to Michael Hogberg, EA, for tax strategy and preparation. Mike is a private-client tax advisor who works with a select group of clients, meaning you get the same personalized, strategic attention from him that you get from us.

    Tax Strategy & PlanningIndividual & Business Tax PrepIRS RepresentationMulti-Year Filing
    Schedule a 30-Min Intro with Mike →

    Ready to stop guessing?

    Book a free Financial Check-In and meet the team behind your financial system.

    Book Your Financial Check-In