Welcome to

Black Pearl Bookkeeping

Trusted Bookkeeping & Tax Solutions in Ferndale, WA and all of Whatcom County, WA

At Black Pearl Bookkeeping, we provide professional, accurate, and timely financial services for individuals and businesses throughout Ferndale, WA and all of Whatcom County, WA. Whether you're a local entrepreneur, a growing small business, or an individual managing personal finances, our mission is to bring clarity, organization, and compliance to your financial life. We combine technical expertise with a personal, client-first approach that focuses on reliability, transparency, and long-term support.

Located in the heart of Whatcom County, we understand the needs of local professionals, families, and business owners. Our services are tailored to the specific tax, accounting, and compliance landscape in Washington State, ensuring that every return, report, and strategy is grounded in both precision and local relevance.

From everyday bookkeeping to complex IRS resolution, Black Pearl Bookkeeping offers a full spectrum of services designed to simplify your finances and reduce your stress. Our team works year-round to ensure that you stay on top of obligations, avoid penalties, and make better-informed decisions.

Tax Preparation & Filing

We offer comprehensive tax preparation services for individuals, families, and businesses. Our process ensures that all deductions, credits, and obligations are accurately accounted for, and returns are filed on time with both the IRS and Washington State agencies. Whether you're a sole proprietor or managing a multi-member LLC, we ensure your filings are compliant and complete.

Tax Planning & Strategy

We provide year-round tax planning support to reduce liabilities and prepare for future obligations. This includes adjusting withholding, planning estimated tax payments, and identifying strategies that align with your financial goals. We also assist with long-term planning around life events, retirement, and business growth.

Bookkeeping & Accounting

Our bookkeeping services are designed to keep your records accurate, organized, and up to date. We manage income tracking, expense categorization, bank reconciliations, and general ledger oversight. With clean books and clear reporting, you gain visibility into your financial health and confidence in your next steps.

Payroll Services

From wage calculation to payroll tax reporting, we provide full-service payroll processing for small businesses. Our team handles pay runs, employee onboarding, direct deposit, garnishments, and year-end W‑2 and 1099 preparation. We also manage Washington State employment compliance and federal tax filings.

Business Consulting & Organizational Services

We help business owners establish strong foundations for growth. Our consulting includes entity selection guidance, internal workflow setup, budgeting, and cash flow analysis. For those launching a new business or reorganizing an existing one, we provide operational support backed by accounting expertise.

IRS Problem Resolution

If you're facing IRS notices, back taxes, or an audit, we provide expert guidance and representation. We respond to IRS letters, prepare amended returns, negotiate payment plans, and help bring delinquent accounts into compliance. Our team works to minimize penalties and resolve tax problems efficiently and discreetly.

Forensic Accounting

When records are missing, misused, or manipulated, our forensic accounting services can uncover the truth. We investigate financial discrepancies, reconstruct lost data, and identify fraud or errors. These services are often used in legal disputes, business conflicts, or family law matters where financial clarity is needed.

QuickBooks & Software Support

We help clients set up, manage, and optimize their QuickBooks accounts. From system setup and chart of accounts to training and troubleshooting, our support ensures that your accounting software works for you—not against you. We also integrate compatible apps to enhance invoicing, payroll, and expense tracking.

Sales & Excise Tax Filing

Navigating Washington’s complex sales and excise tax rules can be difficult. We ensure that your business is correctly registered, classified, and filing returns on time. From monthly state filings to industry-specific tax guidance, our team helps you stay compliant and avoid costly penalties.