Our Services

We specialize in financial contracting for service-based and POS-oriented small businesses, offering tailored solutions in bookkeeping, payables, receivables, and client relationship management. While we've had the privilege of working with clients ranging from small energy startups to Fortune 500 corporations—both domestic and international—our true passion lies in partnering with small businesses.

It is our goal to help our clients to grow and to thrive, focusing our expertise on their unique needs and challenges. We are seasoned in comprehensive bookkeeping, using various systems and maintaining detailed records to ensure high accuracy, easy access, and consistent tax readiness; we are proficient in an array of bookkeeping and banking systems such as QuickBooks, Mercury Bank, LedgerLive, and Google Sheets— so if a problem arises, we can confidently solve it.

Although we are local to the San Diego area, we offer remote work as well!

Extensive Bookkeeping

Extensive Bookkeeping

Keeping detailed records using a variety of bookkeeping methods you can feel confident that your books are always tight.

Payables & Receivables

Payables & Receivables

We have experience sending and receiving money using a variety of currencies, and banking systems. If you need money moved, we got you!

Cash Flow Services

Cash Flow Services

Keeping a keen eye on your current and projected finances, to ensure your cash flow keeps flowing and stays safe.

What Our Clients Are Saying

Isaac Shapira

Isaac Shapira

“We have been leveraging CS Financial Services for several years now and highly recommend. Carmel does exceptional work and brings a high level of accountability and detail that we would never have received from the big companies. His personal approach is precisely what we were looking for with a small business like ours. We have enjoyed our interactions and the creative problem-solving Carmel offers when handling our accounts, particularly regarding contractor payments and tax readiness. If you are looking for quality, easy communication, and offbeat character, CS Financial Services is a phenomenal choice. We endorse CS Financial Services without hesitation or reservation"

Timothy A. Jones, CPA

Timothy A. Jones, CPA

“I’ve had the privilege of knowing and working with Carmel Shapira for over six years, and during that time I’ve seen firsthand the value he brings to small businesses. Carmel is not only an expert in bookkeeping and financial matters, but also a trusted partner who truly cares about his clients’ success. Carmel is knowledgeable, reliable, and consistently goes above and beyond to provide practical solutions. I highly recommend Carmel to any business owner looking for a skilled and dependable advisor.”

Joshua van Asakinda, Psychologist

Joshua van Asakinda, Psychologist

“I had the great pleasure of working with Carmel Shapira for three years while at Platonic Systems. During that time, I found Carmel to be hard-working, honest, selfless, and a team player in the true sense. He has always been eager to learn and to level up his skills; he has always been collaborative, friendly, and respectful of what others have to offer the team. I cannot recommend him highly enough.”