About heartfelt

Your Unique Financial Partner

Heartfelt CFO & Tax Services helps business owners feel safe in their numbers and confident in decisions. We work across New Jersey, New York, and nationally to bring order to finances and reduce tax exposure.

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Who We Are

About Heartfelt

Heartfelt exists to remove financial chaos from growing businesses.

Too many business owners are doing well on paper but feel unsure behind the scenes—unsure about cash flow, tax exposure, or whether they’re making the right decisions at the right time.

We provide ongoing CFO, accounting, bookkeeping, and tax advisory services designed to bring clarity, structure, and peace of mind. When your financial foundation is solid, decisions become easier—and growth becomes intentional.

We help business owners:

Get their books organized and reliable

Understand cash flow and financial projections

Reduce tax liability through proactive planning

Stay compliant with NJ, NY, and federal tax law

Use financial data to make better decisions

Simplify Your Business Finances with Proactive CFO Services

Our Facilities

WHAT WE DO

Heartfelt works best with business owners who:

Are profitable (or close) but don’t feel fully in control

Want proactive guidance—not just tax filing

Operate in New Jersey, New York, or across multiple states

Value clarity, planning, and long-term support

We work with businesses across most industries and stages of growth. If your company has moving parts, tax exposure, employees, or multiple income streams—we’re likely a fit.

Our Areas

Industries we Commonly Support

We support a wide range of businesses, with deep experience in:

Professional Services

Consultants, agencies, law firms, advisors, and service-based businesses.

Healthcare, Dental & Mental Health Practices

Medical offices, dental practices, therapists, wellness providers, and multi-provider practices.

Online & Owner-Operated Businesses

Including e-commerce, creative businesses, and growing small-to-mid-sized companies.

Real Estate

Developers, investors, teams, agents, property managers, and family-owned real estate companies.

Contractors & Construction Companies

Trades and construction businesses managing seasonality, payroll complexity, and cash flow.

Different industries. Same challenge: financial complexity without enough clarity.

Multi State Exposure

NJ & NY Business + Tax Expertise

New Jersey and New York tax and business rules are complex—and expensive when handled reactively.

We help clients navigate:

Multi-state tax exposure and compliance

Sales tax and nexus considerations

Entity structure and reasonable compensation planning

Payroll, owner pay, and tax optimization

Ongoing changes in state and federal tax law

Our focus is planning ahead—so deadlines don’t drive decisions.

Our Management

What’s Included in our Ongoing Management

Our clients don’t come to us for a single service. They come for a system.

Depending on your package, ongoing support includes:

Monthly bookkeeping and reconciliations

Business and personal tax coordination

CFO-level advisory and decision support

Proactive NJ, NY, and federal tax planning

Entity, payroll, and compliance guidance

The goal isn’t just clean books—it’s financial stability and peace of mind.

FOUNDER

Margo Masri

Margo Masri has spent over two decades as a trusted financial partner to business owners — evolving from the founding of Margo’s Bookkeeping into what is today Heartfelt CFO & Tax Services, a virtual CFO and tax advisory firm built for businesses generating $250K–$5M.

Margo works with owners across real estate, healthcare, construction, and professional services throughout New York, New Jersey, and the U.S. — delivering the kind of proactive financial leadership that creates real, lasting growth. Through her Structured CFO Advisory and Embedded CFO Partnership, she meets clients exactly where they are and takes the financial weight off their plate so they can focus on building.

A natural teacher and passionate advocate for business owners, Margo also shows up beyond the client relationship — hosting LinkedIn Live events and running an active SKOOL community where she helps owners make smarter financial decisions and step into the full potential of their business.

Heartfelt CFO & Tax Services has been recognized among the Top 18 Bookkeepers in New York, featured in Top 100 In Finance, and awarded the RED Award for Tax, Business Growth Strategist, and CFO of the Year.

Learn With Us

We believe informed business owners make better decisions.

Explore our Learning Center for educational articles, videos, and insights on accounting, tax planning, and business finance. In the mental health field? Check out our SKOOL community.

Visit the Learning Center

Still Not Sure Which Package Is Right?

If you’re looking for proactive tax planning, financial clarity, and a long-term partner who understands NJ and NY complexity, your next step is simple.