905-471-6234
Balancing Your Books Elevating Your Business
Bookkeeping and Advisory Services for small business owners who want clarity, confidence and control - without the stress.
Our Services
At Temple Financial, we go beyond data entry. We offer strategic, cloud-based bookkeeping and advisory services that help you understand your numbers, stay compliant, and grow your business with confidence.
Bookkeeping
Record and categorize transactions
Bank and credit card reconciliations
Accounts Receivable
Accounts Payable
GST/HST tracking and filing
Expenses Reports
Receipt and document management
Financial statement preparation
Management Reporting and review
CRA compliant books and audit readiness
Clean Up & Diagnostic Review
Catch up on months or years of overdue bookkeeping
Identify and correct errors in past financial records
Reconcile bank and credit card accounts accurately
Review and restructure your chart of accounts
Detect duplicate, missing, or miscategorized transactions
Ensure compliance with CRA and accounting standards
Prepare your books for tax filing or audit readiness
Provide a detailed diagnostic report with actionable insights
Set up best practices to keep your books clean going forward
Advisory & Insights
Cash Flow analysis and planning
Assist with budgeting, forecasting, and goal setting
Analyze financial statements to uncover trends and opportunities
Provide strategic guidance to support business growth
Offer profitability and cost analysis to improve margins
Deliver customized KPI tracking and performance dashboards
Help interpret financial data to make informed decisions
Offer one-on-one advisory sessions tailored to your business
Translate complex numbers into clear, actionable insights
About Temple Financial
I've Been in Your Shoes
Hi, I’m Jennifer Horwood, founder of Temple Financial—and I know what it’s like to run a small business. The long nights, the tough decisions, the constant pressure to get it all right—I’ve lived it.
Before becoming a bookkeeping professional, I co-founded an AI startup. I found myself managing the company’s finances, including un-even cashflow, investor expectations and financial uncertainty. That experience taught me something powerful:
Having a solid handle on your books isn’t just helpful—it’s essential for survival and success.
After selling the business, I realized how many other small business owners were facing the same struggles I had. That’s why I started Temple Financial.
To me, bookkeeping is more than just numbers. It’s the story of your business, your dreams, and your hard work—and I’m here to help you tell that story with clarity and confidence.
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Our Mission
To empower small business owners with the financial clarity and confidence they need to thrive.
Temple Financial brings together real-world entrepreneurial experience with modern, cloud-based bookkeeping solutions so you can focus on what you do best—growing your business.
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Our Values
Integrity – Doing what’s right, every time.
Respect – Valuing your time, your business, and your trust.
Compliance – Helping you stay on the right side of the CRA.
Partnership – We succeed when you succeed.
Why Temple Financial?
At Temple Financial, we understand the unique challenges small business owners face—stressful bookkeeping, cash flow worries, tax compliance headaches, and the constant struggle to find time for it all. We’re here to change that. Our goal isn’t just to manage your books—it’s to be a true financial partner who empowers you to thrive.
Real Entrepreneurial Experience
We've walked in your shoes and understand the challenges you face—from managing cash flow to making growth decisions. That empathy drives everything we do, ensuring you get support that’s practical, relevant, and rooted in real-world experience.
Insight-Driven Bookkeeping
We go beyond tracking transactions. We help you understand what your numbers are really saying—so you can make smarter decisions, spot opportunities, and avoid costly mistakes. Your financials become a tool for growth, not just compliance.
Modern, Cloud-Based Convenience
Your business moves fast—and so do we. Our secure, cloud-based tools give you real-time access to your financials anytime, anywhere. No more chasing paper or waiting for reports. Just clarity, when you need it.
Certified & Continuously Learning
I’m a Certified QuickBooks Online Advisor and a member of CPB Canada. I invest in ongoing training and tools so you always receive the most accurate, up-to-date, and effective support possible.
Testimonials
York Pioneer and Historical Society - Board of Directors
"Jennifer Horwood has been an invaluable asset to the York Pioneer and Historical Society in
her role as Treasurer. She brings a rare combination of entrepreneurial insight, precision in
financial management, and a genuine passion for helping organizations thrive. Since joining
us, Jennifer has introduced greater clarity and structure to our financial systems and provided
the kind of steady oversight that gives our board full confidence in our financial stewardship.
Her ability to communicate complex financial matters in an approachable, transparent way
has been especially appreciated by our board and members. Jennifer’s professionalism,
integrity, and dedication are evident in everything she does”
Frequently Asked Questions
Answers to commonly asked questions about our tax services.
Do I need a bookkeeper if I use accounting software?
Yes! Accounting software like QuickBooks is a powerful tool—but it’s just that: a tool. While it can automate some tasks and generate reports, it still relies on accurate data entry, regular reconciliation, and financial understanding to give you meaningful results.
A bookkeeper brings expertise, consistency, and a trained eye to your finances. We catch errors the software can’t, keep your accounts up to date, and ensure everything is categorized properly—so your reports actually reflect your business’s true financial picture.
Think of it this way: accounting software is like having a great calculator. A bookkeeper is the person who knows what numbers to put in, what they mean, and what to do with them.
What should I look for in hiring a bookkeeper?
Hiring a bookkeeper is an important decision—you’re trusting someone with the financial foundation of your business. Here are some key things to look for:
Professional credentials: Designations like CPB (Certified Professional Bookkeeper) from the CPB Canada association show that a bookkeeper meets national standards for knowledge, ethics, and ongoing education. Certifications such as QuickBooks ProAdvisor also demonstrate specific platform expertise.
Experience and industry knowledge: Your bookkeeper should understand not just bookkeeping principles, but also how they apply in real-world business settings. Experience with small businesses or entrepreneurship is a big plus.
Attention to detail and accuracy: Your books should be reliable, audit-ready, and clearly organized. A good bookkeeper keeps your records clean and up to date, so you're never left guessing about your numbers.
Use of modern tools: Look for someone who works with secure, cloud-based accounting platforms like QuickBooks Online as well as tools for electronic payments or payroll. These tools make collaboration easier, reduce paperwork, and give you access to real-time financial data.
Communication and transparency: Your bookkeeper should explain things clearly, respond promptly, and keep you informed—no jargon, no surprises.
Security and peace of mind: Ask if they carry Errors & Omissions (E&O) insurance, which protects both you and them in the unlikely event of a mistake. This is a sign of professionalism and accountability.
In short, the right bookkeeper offers more than just data entry—they bring trust, clarity, and confidence to your financial world.
Will I still have access to my accounting records and is my financial data secure?
Absolutely. You’ll always have full access to your financial records through secure, cloud-based systems like QuickBooks Online. These platforms let you view your data anytime, anywhere, with real-time updates.
On the security side, your data is protected using bank-level encryption, two-factor authentication (2FA), and secure file-sharing methods. I never store your sensitive financial information on personal devices or unprotected systems.
In addition, I’m committed to best practices in confidentiality and digital safety. This includes:
Using secure tools like Telpay or Rotessa for payments and collections
Collaborating through platforms like Financial Cents, which centralize communication and documents in one encrypted hub
Maintaining Errors & Omissions (E&O) insurance for an added layer of professional accountability
With these safeguards, your data stays safe while you remain fully in control.
How do I get started?
Getting started is simple and stress free. First, schedule a free consultation call.
From there, we'll
Start with an assessment of your requirements. and forward a checklist that will assist us in understanding your needs. Once we have determined that we are able to provide you with services, the next step is to review some of your key financial records so that we can prepare a pricing package customized to your business.