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Together, let’s transform the health of your business.
Sustainability. Longevity. Growth. These are the components of success for a financially healthy business. At Thriving Waves Financial, we work with you in a variety of capacities to help you navigate the ever-changing financial waters of your business. We come alongside you in an advisory/strategic role right from the start, and add additional transactional services as you grow and need to outsource daily accounting tasks. We’ll be there for you every step of the way!
Heather Craig, CPA
Owner, Thriving Waves Financial
Fractional CFO + Tax
Includes everything an accounting/finance department would do for your small business
CFO Lite + Tax
Bookkeeping, tax, and monthly meetings to keep you on top of your finances
Cultivate + Tax
Tax compliance and monthly advisory meetings to cultivate growth for your business
Need some quick help with something specific around your business finances?
What Clients Say
"She is a vital part of my team, and I credit her with being the catalyst for much of our growth and progress in the past year."
I cannot recommend Heather at Thriving Waves enough! She has worked with my business for over a year now, providing everything from bookkeeping to taxes to financial advisement, and so many positive changes have happened as a result. Revenue Increase: Our therapy practice doubled our monthly revenue. Tax Return: I went from paying several thousand dollars of tax at tax-time to getting a return of several thousand. PPP Loan: Heather single-handedly obtained our practice a PPP Loan. I cannot tell you how many hours her research and expertise saved me. Change in Employment Model: Heather facilitated the shift from an independent contractor model to an employee model, which led to wonderful benefits, including unemployment eligibility for my team (very important during COVID-19 days). PEACE OF MIND: Heather knows my business financials inside and out. I can (and do) call her at any time, and she's able to let me know our financial situation, and how long the cash can last. (Again, so important during COVID days). Heather has caught mistakes that saved us hundreds, helped direct our goals toward profit and growth, served as a strategist for creative COVID solutions... I could go on. She is a vital part of my team, and I credit her with being the catalyst for much of our growth and progress in the past year. Don't settle - hire Heather!"
Esther with North Star Therapy
"We have felt beyond supported since the moment we met, almost to the point where she feels like family and truly cares about every part of our business.
We couldn't have found Heather at a better time for our business! We had been struggling with our previous Accountant in Chicago who was uncommunicative, missing deadlines, and never felt like he invested the time and energy into understanding our business and setup. It was such a wonderful connection within the first Zoom call, she was professional, asked all the right questions, and followed through on everything she said she would. We have felt beyond supported since the moment we met, almost to the point where she feels like family and truly cares about every part of our business. She has gone above and beyond with understanding the prior structure of our business and proposing new ideas and methods, all while constantly being available to talk through it all and answer any questions. We have recommended her to our friends and couldn't be more grateful for having her knowledgeable guidance and support with ensuring our business is successful!"
Marisa and Kelsey with River + Tree Inn
"She is always available to answer questions that come up – especially through this unprecedented time [COVID].
Working with Heather has saved me a ton of time, energy, and stress! I was always so behind come tax season, so having Heather take care of my books on a monthly basis has been such a weight off my shoulders. Now tax season is a breeze! In addition, she is always available to answer questions that come up – especially through this unprecedented time [COVID]. I honestly don't know what I would do without her!"
Joelle with yinRoot