For

Service Businesses

For contractors, trades, agencies, consultants, and every business that sells time and expertise.

article · Payroll & People

Gusto Payroll: An Honest Review From the Accounting Side

Gusto automates federal and state payroll taxes, W-2s, and direct deposit, covering most of what a small WA service business needs. The gaps...

October 2, 2026

article · Bookkeeping

QuickBooks Online vs. Xero for Small Service Businesses

QuickBooks Online costs more and dominates the US market. Xero is cheaper and often cleaner to navigate. For most WA service businesses...

October 2, 2026

article · Payroll & People

What an Employee Really Costs in Washington

Hiring a $55,000-a-year employee in Washington costs more than $55,000. Federal payroll taxes alone add roughly 7.7% on top of wages....

October 2, 2026

article · Bookkeeping

Accounting for Federal Way Contractors: What to Look For

Contractors and trades businesses in Federal Way face WA B&O on gross receipts, L&I worker classifications, PFML, and the cash flow gaps...

September 22, 2026

article · Cost & Pricing

Small Business Bookkeeping Costs, Federal Way WA

For most service businesses in Federal Way, outside bookkeeping runs $750 to $2,000 per month depending on transaction volume, payroll...

September 10, 2026

article · Cost & Pricing

How Much Does Outsourced Bookkeeping Cost?

Most small service businesses pay $750 to $2,000 per month for outsourced bookkeeping that includes monthly accounting, tax filings, and a...

August 25, 2026

article · Bookkeeping

The Real Cost of a Bad Bookkeeper

Bad bookkeeping rarely announces itself. This piece walks through a composite 12-month failure at a $1-2M service business: misclassified...

August 15, 2026

article · Cash Flow

Your Books Look Clean. So Why Is Cash Still Tight?

Profit and cash are different clocks. Receivables that pay in 45 days, loan principal that never touches the profit line, owner draws, and...

July 3, 2026

article · Cost & Pricing

Monthly Accounting Cost for Small Businesses

For an owner-operated small business, full monthly accounting (bookkeeping, payroll, tax, and advice) typically runs $750 to $2,000 per...

July 3, 2026

Our clients' reviews

Here is what they say about working with us

Jose is knowledgeable, professional, and thorough. He is very pleasant to deal with and is happy to answer any questions you may have (even if you forget things easily and have to ask the same questions repeatedly, as I often do). My wife and I are two satisfied customers! I'd definitely recommend Caro & Associates to any individuals or small businesses in need of accounting & tax help.
J. Connors Tax Client
Jose is a total pro and I can’t recommend him enough. He’s my go-to source for all business-related tax or accounting questions. You can tell how much he cares about the work he does for his clients and the level of detail as passion he puts into his work. He’s always keeping up on the latest tax laws and changes to the small business landscape and it shows in the advice he gives. I highly recommend!!
Chad R. Tax Client
I’ve been working with Jose, owner of Caro & Associates for a few years now. Jose is a wealth of knowledge when it comes to tax preparation and planning. I highly recommend Jose and his team. They’re dedicated to providing the highest level of customer service. In addition, I have referred most of my clients to Jose with the peace of mind of knowing that Jose and his team will take great care of them.
H. Nguy Tax Client