SMOOTH FOUNDATIONSFINANCIAL
Bookkeeping · Budgeting · Financial coaching

Financial foundations you can build on.

I help small businesses keep clean, tax-ready books and help families build a budget they'll actually keep. Work with me one-on-one, in person in Lindon or virtually, or start today with a budget template.

Find the right fit Meet Gretchen
Illustration of a home and a small business standing on one shared foundation, with a balanced budget and rising savings OPEN OCTOBER BUDGET Housing Groceries Savings Left to assign $0 ✓
Gretchen SmootFormer CFO · Dave Ramsey Certified Financial Coach
7 years as a CFO M.S. Applied Economics, Utah State Dave Ramsey Certified Financial Coach Based in Lindon, Utah
For business owners

Business clients

Monthly bookkeeping, reconciliations, payroll support, and cash flow planning, so tax season is a non-event.

  • Services from monthly books to catch-up cleanup
  • CFO-level advice without a full-time CFO
  • Every federal and Utah form you'll need, in one list
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For individuals & families

Personal clients

Budget setup, debt payoff plans, and monthly check-ins from a Dave Ramsey Certified Financial Coach.

  • One-on-one budgeting and tax-document help
  • Five household budget templates
  • Federal and Utah tax forms, in one list
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Not sure where to start?

A free 20-minute call is enough to tell whether a template or ongoing help is the better fit.

Get in touch