Meticulous attention to detail ensuring your books are always organized, reconciled, and up-to-date every month.
02
Clear Reporting
Bookkeeping reports tailored for contractors, 1099 workers, and trades professionals — giving you clarity on your records.
03
Personalized Service
Direct access to Andrews Arriaza. No call centers, no bots — just a dedicated bookkeeping professional who knows your business.
Brand Story
Built on Accuracy. Driven by Clarity.
Arrium Financial Services was built on the belief that every business deserves clean, organized, and dependable financial systems. Many companies struggle with messy books and unclear numbers — and that confusion affects daily decisions.
We provide modern bookkeeping grounded in structure, accuracy, and reliability — keeping your financial records clean through accurate data entry and monthly bookkeeping services.
Comprehensive Bookkeeping
Monthly bookkeeping for every type of small business
QuickBooks Reports
Organized records generated directly from QuickBooks
Transparent Record Keeping
Accurate, honest, and organized financial records
Why Arrium?
✦ Transparent communication, always
✦ Clean and accurate books, every month
✦ No CPA prices — real bookkeeping rates
✦ Reliable, consistent, professional
More About Arrium Financial Services →
Ready to streamline your finances?
Let Andrews Arriaza handle the books so you can handle the business.
What We Offer
Bookkeeping Services Built for Small Business
We specialize in bookkeeping and payroll administration for contractors, 1099 workers, and small business owners in the trades. No CPA pricing — just reliable, accurate service.
Monthly Bookkeeping
Clean Books. Every Single Month.
We handle the full cycle of monthly bookkeeping — from transaction recording to reconciliation to organized financial records — so your books are always accurate, current, and ready for your tax professional.
Accounts Receivable
Tracking and recording all money owed to your business — outstanding invoices, client payments, aging reports, and follow-up on overdue balances so you always know what's coming in.
Accounts Payable
Managing and recording all money your business owes — vendor bills, contractor payments, subscription tracking, and ensuring all outgoing obligations are logged and accounted for accurately.
Bank Reconciliation
Matching your QuickBooks records against your bank and credit card statements every month to catch discrepancies, identify errors, and ensure your books perfectly reflect your real cash position.
Transaction Categorization
Every transaction properly coded to the correct expense or income category using your chart of accounts — keeping your books organized and your financial data meaningful for reporting and tax prep.
General Ledger Maintenance
Maintaining your general ledger — the master record of all financial transactions — so your books are audit-ready, accurate, and provide a complete picture of your business finances at any point in time.
Cash Flow Tracking
Recording and organizing your cash inflows and outflows so you always have a clear picture of your business liquidity — essential for planning, managing expenses, and avoiding cash shortfalls.
Expense Tracking
Detailed recording of all business expenses — materials, subcontractors, fuel, tools, subscriptions, and more — properly categorized so you capture every deductible expense and nothing slips through.
Monthly Financial Records
Organized monthly summary records pulled from QuickBooks — giving you and your tax professional a clean, structured view of your income, expenses, and overall financial activity for the period.
Tax-Ready Records
We keep your books organized year-round so when tax season comes, your records are clean, complete, and ready to hand to your CPA or tax preparer — saving you time and potentially reducing their fees.
Payroll Administration
Everyone Gets Paid. Accurately & On Time.
We manage the full payroll cycle for your business — from tracking hours and processing wages to handling contractor payments and keeping your payroll records organized and compliant.
Hours Tracking System
Setting up and maintaining a reliable system to track employee hours — regular time, overtime, and PTO — so every paycheck is calculated accurately based on actual hours worked.
Detailed Pay Stubs
Generating clear, itemized pay stubs for every employee showing gross pay, deductions, net pay, hours worked, and pay period details — professional documentation your team can rely on.
Employee Payroll Processing
End-to-end payroll processing for W-2 employees — calculating gross wages, managing deductions, and running payroll through QuickBooks so your team gets paid accurately every pay period.
1099 Contractor Payments
Tracking and processing payments to all your 1099 independent contractors — maintaining accurate payment records throughout the year so year-end filing is straightforward and stress-free.
Payroll Setup & Configuration
Setting up your payroll system from scratch in QuickBooks — employee profiles, pay rates, pay schedules, deduction categories, and direct deposit settings so everything runs smoothly from day one.
Direct Deposit Management
Managing direct deposit setup and processing for your employees — ensuring payments are initiated on time and that every team member receives their wages directly to their bank account each pay period.
Payroll Records & Reporting
Maintaining organized payroll records — pay run history, deduction summaries, and payroll reports — so you always have accurate documentation available for your records and tax preparer.
Pay Schedule Management
Managing your payroll calendar — weekly, bi-weekly, or semi-monthly — ensuring payroll is processed consistently on schedule and employees always know exactly when to expect their pay.
Year-End 1099 Filing Support
At year-end, we compile all contractor payment data from QuickBooks and prepare your records for 1099-NEC filing — so you and your tax preparer have everything needed to meet your filing deadlines.
QuickBooks Online Support
Your Books in QuickBooks. Set Up Right. Running Smooth.
From initial setup to ongoing maintenance and cleanup, we make sure QuickBooks Online works exactly the way your business needs it to — organized, accurate, and efficient.
QuickBooks Online Setup
Full initial configuration of your QuickBooks Online account — company settings, chart of accounts, bank connections, invoice templates, and preferences tailored to your specific industry and business type.
Chart of Accounts
Building and organizing your chart of accounts — the backbone of your QuickBooks file — with the right income, expense, asset, and liability accounts to match your business structure and keep reporting meaningful.
Books Cleanup & Catch-Up
Fixing a messy QuickBooks file — correcting miscategorized transactions, resolving duplicate entries, reconciling past periods, and bringing your books up to date no matter how far behind they've fallen.
Bank Feed Management
Connecting and managing your bank and credit card feeds in QuickBooks — reviewing imported transactions, applying rules, and ensuring every item is correctly matched and categorized in real time.
QuickBooks Report Generation
Running and organizing QuickBooks reports — profit & loss summaries, expense breakdowns, accounts receivable aging, and transaction reports — generated from your data for your review and tax professional.
Invoice & Payment Setup
Setting up professional invoice templates in QuickBooks — customized with your branding, payment terms, and service descriptions — so you can send clean, professional invoices and track payments effortlessly.
Vendor & Customer Management
Setting up and maintaining your vendor and customer profiles in QuickBooks — contact details, payment terms, default accounts — so transactions are correctly linked and reporting is always accurate.
QuickBooks Training
Basic training on how to navigate and use QuickBooks Online for your day-to-day needs — so you understand what you're looking at, can pull basic information yourself, and feel confident using the platform.
Ongoing QBO Maintenance
Continuous monthly maintenance of your QuickBooks Online file — keeping it clean, current, and accurate so your data is always reliable and ready whenever you or your tax professional needs it.
Administration Support
We Handle the Details. You Handle the Business.
Beyond the books, Arrium Financial Services provides hands-on administrative support tailored to your business operations. From daily task management to workflow organization — we keep things running smoothly behind the scenes.
Email Support
Professional management and organization of business email communications. We help draft, organize, respond, and follow up on client and vendor emails so nothing falls through the cracks.
Business Support
General business operations assistance including document preparation, invoice tracking, client follow-ups, vendor communication, and keeping your business organized and running efficiently.
Daily Task Support
Consistent day-to-day assistance with operational tasks — scheduling, reminders, data entry, follow-ups, and anything that keeps your business moving forward without overwhelming you.
Workflow Support
We help identify gaps in your current workflow and create streamlined processes so your business operates more efficiently — from client onboarding to invoice collection to reporting cycles.
Document Management
Organization and management of business documents — contracts, receipts, invoices, reports, and records — so everything is filed, accessible, and ready when you or your tax professional needs it.
Client & Vendor Communication
Professional drafting and management of business correspondence with clients and vendors — follow-up emails, payment reminders, inquiry responses, and ongoing communication support.
Data Entry & Tracking
Accurate data entry for expenses, mileage logs, receipts, inventory tracking, and any other operational records your business needs to maintain for compliance or reporting.
Onboarding Support
Help setting up new client or employee onboarding processes — checklists, document collection, account setup, and making sure everyone has what they need from day one.
Custom Support
Don't see what you need? Every business is different. We offer custom administrative support tailored to your specific operations, tasks, and goals. Contact us to discuss a solution built around your needs.
Administration Support is quoted based on your needs.
Pricing varies by scope, frequency, and complexity. Contact us for a custom quote.
⚠️ Important Disclaimer: Arrium Financial Services provides bookkeeping and payroll administration services only. We are not a CPA firm, licensed accountant, or financial advisor. We do not prepare taxes, provide tax advice, or offer legal or financial planning services. All tax-related matters should be handled by a licensed CPA or tax professional. QuickBooks reports generated are for record-keeping purposes only.
Not sure what you need?
Let's talk. We'll figure out the right service for your business.
Simple Pricing
Transparent Pricing, No Surprises
Affordable monthly bookkeeping packages built for small businesses and contractors. No hidden fees, no CPA rates.
Monthly Bookkeeping Packages
Clean Books, Every Month
Solo
$300/mo
Built perfectly for side hustles and solo entrepreneurs who need clean books without the overhead.
Up to 30 transactions
1 bank account reconciliation
Monthly financial summary
QuickBooks Online management
Starter
$500/mo
Perfect for growing contractors and small trades businesses.
Up to 50 transactions
1 bank account reconciliation
Monthly financial summary
QuickBooks Online management
Most Popular
Standard
$800/mo
Ideal for established businesses with multiple accounts and employees.
Up to 150 transactions
Up to 3 bank/credit accounts
Monthly reconciliation
Monthly financial report
Premium
$1,250/mo
Full-service bookkeeping for high-volume businesses needing detailed reporting.
150–300 transactions
Multiple accounts
Detailed monthly reporting
Monthly review call
Payroll Administration
Accurate Payroll, Every Pay Period
Basic Payroll
$500/mo
For small teams getting started with managed payroll.
Up to 15 employees
Up to 5 contractors
QuickBooks Payroll management
Payroll records organization
Most Popular
Growth Payroll
$800/mo
For growing businesses with a larger workforce and more contractors.
Up to 25 employees
Up to 15 contractors
QuickBooks Payroll management
1099 contractor tracking
Enterprise Payroll
$1,250/mo
For larger operations with substantial payroll needs.
Up to 50 employees
Up to 30 contractors
Full payroll processing
Year-end 1099 filing support
Cleanup Services
Catch-Up & Cleanup
Light Cleanup — $200 (1 month back-track)
Standard Cleanup — $500 (3–6 months back-track)
Full Historical Cleanup — $800 (6–12 months back-track)
Add-On Services
A La Carte Options
Receipt Organization — $150/mo
Additional Reports — $80/report
Administration Support
Custom Quote
Administration support pricing is based on your company's specific needs, scope, and complexity. Contact us to discuss a tailored solution.
Final pricing may vary depending on workload, business complexity, and expected monthly transaction volume. All packages are billed monthly. Contact us to discuss your specific needs.
Ready to get started?
Schedule a free consultation and we'll find the right package for your business.
About Us
Bookkeeping Built for the People Who Build Things
Arrium Financial Services exists to give contractors, tradespeople, and 1099 workers access to reliable, affordable bookkeeping — without the CPA price tag.
Andrews Arriaza
Owner & Bookkeeping Professional
Andrews Arriaza is a certified bookkeeper with a background in accounting and extensive experience with QuickBooks Online. After years working in insurance and financial services, Andrews founded Arrium Financial Services to serve the small business owners who are often overlooked — contractors, tradespeople, and 1099 workers who are great at their craft but need someone they can trust to handle the financial side.
"A lot of trades guys are great at their work — but keeping up with the books and payroll is a different skill set. That's exactly where I come in."
Certified Bookkeeper
QuickBooks Online Specialist
Accounting Background
Arrium Financial Services
Our Values
What We Stand For
🎯
Accuracy First
Every transaction matters. We approach your books with precision to ensure records are always correct.
🤝
Transparency
No surprises. We communicate clearly about what we do, what we don't do, and what your numbers mean.
⚡
Reliability
Your books will be done on time, every month. You can count on us to deliver consistently.
🔒
Confidentiality
Your financial data is private and protected. We treat your information with the highest discretion.
Let's work together
Ready to get your books clean and your business growing?
Get in Touch
Let's Talk About Your Business
No pressure, no jargon. Just a straightforward conversation about how we can help keep your books clean.
Providence, Rhode Island Serving clients locally & remotely
Business Hours
Monday – Friday: 9am – 5pm Saturday & Sunday: Hours may vary Response within 1 business day
Services
Bookkeeping · Payroll Administration QuickBooks Online Support
Client Intake Form
Fill out the form below and we'll get back to you within 1 business day.
Legal
Privacy Policy
Last updated: March 15, 2026 · Arrium Financial Services · Providence, Rhode Island
Arrium Financial Services is committed to protecting the privacy and confidentiality of your information. This Privacy Policy explains how we collect, use, and safeguard the information you provide when using our website or engaging our services.
1. Who We Are
Arrium Financial Services is a bookkeeping and payroll administration firm based in Providence, Rhode Island. We provide bookkeeping, payroll administration, and QuickBooks Online support services to small businesses, contractors, and 1099 workers.
✦Name, email address, and phone number submitted through our contact or intake form
✦Business name and type
✦Details about the services you are inquiring about
✦Any other information you voluntarily share in your inquiry message
Information Collected Through Our Services
✦Financial records, transaction data, and bookkeeping information provided to us to perform our services
✦Payroll data including employee information provided for payroll administration purposes
✦Access credentials to QuickBooks Online or other platforms shared for service delivery
3. How We Use Your Information
We use the information we collect solely for the following purposes:
✦To respond to your inquiry and communicate with you about our services
✦To provide the bookkeeping, payroll, and administrative support services you engage us for
✦To maintain accurate records of services performed on your behalf
✦To send invoices and process payments for services rendered
✦To comply with any applicable legal or regulatory obligations
4. Confidentiality of Client Information
We treat all client financial data with strict confidentiality. Your financial records, business information, and any data shared with us in the course of receiving our services will never be sold, rented, or disclosed to any third party without your explicit consent, except as required by law.
We do not share your information with advertisers, marketing platforms, or any other business for commercial purposes.
5. Data Retention
We retain your information for as long as necessary to provide our services and comply with applicable legal, tax, and business record-keeping requirements. Client financial records are typically retained for a minimum of seven (7) years in accordance with general accounting and business record-keeping standards. You may request deletion of your personal contact information at any time by emailing us directly.
6. Third-Party Tools
In order to provide our services, we may use the following third-party platforms:
✦QuickBooks Online (Intuit) — for bookkeeping and payroll processing
✦Email (Microsoft Outlook) — for business communication
These platforms have their own privacy policies and data handling practices. We encourage you to review their policies independently. We only share the minimum information necessary with these platforms to perform our services.
7. Your Rights
You have the right to:
✦Request access to the personal information we hold about you
✦Request correction of any inaccurate information
✦Request deletion of your personal contact information (subject to legal retention requirements)
✦Withdraw consent at any time for communications not related to active services
We take reasonable precautions to protect your information from unauthorized access, loss, or misuse. Client financial data is handled with the same level of care and discretion we would apply to our own sensitive information. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
9. Children's Privacy
Our services are intended exclusively for business owners and adult professionals. We do not knowingly collect information from anyone under the age of 18.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated effective date. We encourage you to review this page periodically. Continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.
Questions about this Privacy Policy? We're happy to clarify.