CPA bookkeepers: how do you handle “iffy” bookkeeping transactions?

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Navigating “Iffy” Bookkeeping Transactions: A Guide for CPA Bookkeepers

As a Certified Public Accountant (CPA) with a relatively new Bookkeeping practice, I’ve encountered various challenges, particularly when it comes to handling “iffy” transactions. This issue is frequently discussed among Bookkeeping professionals, and I’ve faced similar situations myself. These questionable transactions often involve clients who insist on including dubious activities in their books, such as cash payments to employees, personal expenses, meals, trips, and neglecting 1099 forms and W9 collections. The complexity increases when dealing with business structures other than sole proprietorships, such as corporations.

In bookkeeping groups, the prevalent advice is: “You are a bookkeeper, not an IRS auditor or accountant (LOL); your job is to follow the client’s instructions rather than correcting them. You’re simply there to categorize.” While this might be acceptable for many bookkeepers, as CPAs, we are held to higher standards and must adhere to ethical regulations. Moreover, our clients may boast about their bookkeeping being managed by a CPA, which implies a level of accuracy in their financials.

So, how do CPA bookkeepers handle these uncertain transactions? I am not referring to tax returns here, solely focusing on the bookkeeping aspect. Let’s explore this further.
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  1. Handling “iffy” Bookkeeping transactions is indeed a scenario that requires careful navigation, especially for CPAs who are governed by professional ethics standards. Here is a thoughtful approach to these situations:

    Understanding Professional Responsibilities

    As a CPA, you are bound by the AICPA Code of Professional Conduct, which mandates integrity and objectivity in all your professional activities, including Bookkeeping. This means ensuring accurate and ethical financial reporting while maintaining the client’s trust.

    Steps to Handle Iffy Transactions

    1. Educate the Client:
    2. Discuss Regulations: Begin by educating the client on the legal and financial implications of questionable transactions. Explain the importance of maintaining proper documentation such as W-9s and issuing 1099s, especially for entities like corporations.
    3. Clarify Consequences: Discuss the potential consequences of not complying with IRS regulations, such as penalties and audits.

    4. Maintain Clear Communication:

    5. Document Conversations: Keep records of all discussions with the client related to these transactions. This provides a paper trail showing that you advised against any dubious activity.
    6. Provide an Engagement Letter: Clearly outline your duties and limitations as a bookkeeper in an engagement letter. This can clarify that while you will categorize transactions, ethical and legal boundaries should not be crossed.

    7. Recommend Best Practices:

    8. Suggest best practices in Bookkeeping: establishing policies for employee payments, ensuring personal and business expenses are separate, and maintaining accurate records for meals and trips.

    9. Use Disclaimers:

    10. Include disclaimers stating that the financials are prepared based on information provided by the client, and highlight any areas where proper documentation was not provided. This indicates that responsibility for inaccuracies lies with the client.

    11. Know When to Walk Away:

    12. If a client insists on practices that are blatantly unethical or illegal, it may be best to disengage from the relationship. Protecting your professional reputation and ethical standards is paramount.

    When to Seek Assistance

    • Consult with Peers or a Legal Advisor: When unsure, it’s helpful to discuss with other CPAs or seek legal advice regarding complex cases.
    • Professional Resources: Utilize resources from professional bodies like state boards or the AICPA for guidance on ethics-related issues.

    Conclusion

    Balancing client satisfaction with ethical obligations is crucial. As a CPA, your role extends beyond mere categorization of transactions—you serve as an

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