Virtual bookkeeping for New Jersey small businesses
Expert financial management — fully remote, deeply personal, and handled by a certified QuickBooks ProAdvisor with 20+ years of experience. Based in Madison, NJ. Serving Morris County and clients nationwide.
20+
Years Experience
100%
Virtual & Remote
QB
Certified ProAdvisor
NJ
Woman-owned business
Local to NJ, available everywhere
Based in Madison, NJ, with clients across Morris County and nationwide. Fully virtual — no commute, no paperwork drop-offs, no friction.
You work with Jessica directly
No rotating staff, no offshore handoffs. When you hire Mountain Top Bookkeeping, you get Jessica Occhino — every month, on every call.
QuickBooks ProAdvisor certified
Certified by Intuit to set up, manage, and optimize QuickBooks Online. Your books will be clean, consistent, and CPA-ready year-round.
Proactive, not just reactive
We flag suspicious charges, overdue invoices, and billing opportunities before they become problems. Your books are watched, not just recorded.
WHAT WE DO
Virtual bookkeeping services built for NJ small businesses
Every service is delivered remotely using QuickBooks Online. All included in a flat monthly rate tailored to your specific situation.
01
Monthly Bookkeeping
Every transaction categorized, every account organized, every month. You get accurate, up-to-date financial records without touching a spreadsheet.
CORE SERVICE
03
Accounts Receivable & Invoicing
We send your invoices promptly, track what's been paid and what hasn't, issue monthly statements, and follow up on overdue accounts.
AVAILABLE ADD-ON
05
Payroll Processing
Accurate payroll calculations, tax withholdings, and reporting for your team. We handle the compliance side — NJ payroll taxes included.
AVAILABLE ADD-ON
07
QuickBooks Setup & Cleanup
Starting from scratch or inheriting a mess? We set up your chart of accounts correctly, or work through your existing backlog systematically.
ONE-TIME OR ONGOING
09
Financial Consulting
Beyond the numbers — we help you interpret your financials to make smarter business decisions. Is now the right time for a major purchase?
INCLUDED
02
Bank & Credit Card Reconciliation
Monthly reconciliation of all your bank accounts and credit cards. We match every transaction to your statements, catch discrepancies, and flag anything suspicious.
CORE SERVICE
04
Accounts Payable
We record every bill you receive from vendors. On a schedule you set, we prepare payments via your bank's bill pay or through a third-party system.
AVAILABLE ADD-ON
06
Monthly Financial Review Call
Each month, we walk through your numbers together. P&L, cash flow, what's trending up, what needs attention. A real conversation about your finances.
INCLUDED
08
Catch-Up Bookkeeping
Months or years behind? No judgment. We work through the backlog, reconcile everything historically, and get your records current.
PROJECT-BASED
WHO WE WORK WITH
Build for businesses at every stage
From brand-new startups to established firms, we tailor our services to where you actually are.
Startups & new businesses
Get your books set up correctly from day one. Clean foundations prevent expensive cleanup later — and make you investor-ready when the time comes.
Small to midsize businesses
Service businesses, contractors, consultants, agencies, retailers, practices — if you run a small business in NJ, we've worked with someone just like you.
Individuals & self-employed
Freelancers, solopreneurs, and high-earners who need clean records for taxes, loans, or their own peace of mind.
Businesses with messy books
If you've been avoiding your QuickBooks for months (or years), you're exactly who we help most. We clean up and put a system in place that sticks.
Jess has been great to work with. She is very detailed and professional — helping me get my QuickBooks cleaned up while helping me more effectively manage my corporate finances.
"
— Mountain Top Bookkeeping client
20+
Years Experience
100%
Virtual
QB
Certified ProAdvisor
Free
consultation to start
HOW IT WORKS
Getting started is simpler than you think
Most new clients tell us onboarding was easier than they expected.
1
Free consultation
A 30-minute conversation about your business, your current books, and what you need. No obligation. No pressure.
3
Setup & catch-up
We get access to your accounts, clean up any backlog, set up QuickBooks properly if needed, and ensure the foundation is solid.
2
Assessment & proposal
We review the state of your current books and QuickBooks setup, then deliver a clear proposal with a flat monthly price.
4
Monthly rhythm
Bookkeeping handled each month, followed by a review call to walk through your numbers. Your books stay current.
WHY MOUNTAIN TOP BOOKKEEPING
What makes us different
There's no shortage of bookkeeping options in New Jersey. Here's why clients who've tried others stay with us.
You work with the owner — not a team you'll never meet
Jessica Occhino handles every client engagement personally. No support tickets, no offshore processors.
PERSONAL SERVICE
Monthly review calls that actually make sense
Every month we walk through your P&L and cash flow together in plain English — so you leave knowing exactly where your business stands.
FINANCIAL CLARITY
NJ-based, NJ-experienced
Headquartered in Madison, NJ with deep roots in Morris County. We understand NJ payroll taxes and state-specific compliance nuances.
LOCAL EXPERTISE
We watch your books like it's our own money
Every month we flag suspicious charges, overdue invoices, vendor bills that need attention, and expenses that should be billed out.
PROACTIVE MONITORING
QuickBooks expertise that actually matters
Your chart of accounts is set up correctly, your categories are consistent, and your year-end reports won't need a CPA to untangle.
CERTIFIED PROADVISOR
Woman-owned, mission-driven
Founded on the belief that small business owners deserve the same financial clarity that large companies pay a fortune for.
WOMAN-OWNED BUSINESS
CLIENT REVIEWS
What NJ Business owners say about working with us
"Jess has been great to work with. She is very detailed and professional — helping me get my QuickBooks cleaned up while helping me more effectively manage my corporate finances."
Mountain Top Bookkeeping client
Google Review
"We used Jessica to outsource some of our bookkeeping requirements and were thrilled with the service. From reasonable pricing to accurate work, I would definitely recommend Mountain Top Bookkeeping."
Business client, NJ
mountaintopbookkeeping.com
"Jessica is a pleasure to work with. She has an outstanding work ethic and a great ability to work effectively with all different personalities."
Client, Morris County
mountaintopbookkeeping.com
COMMON QUESTIONS
Quick answers about virtual bookkeeping in NJ
Ready to get started?
Free consultation. No obligation. 30 minutes to figure out exactly what you need.
or call (973) 738-9287
Frequently Asked Questions
Ready to stop worrying about your books?
A free consultation is the first step — and it usually takes less than 30 minutes to know exactly what you need.
