Cynthia Montoya, EA • November 3, 2025

KAC Consulting, Inc: The Founder’s Story

My journey into business began in the most unglamorous of settings: my parents’ sheet metal equipment repair and sales shop. The place was always humming with the clang of metal, the smell of oil, and the steady rhythm of hard work. My dad poured everything he had into that business—arriving early, staying late, fixing machines, and helping customers. My most vivid memory is of my dad in his sweat-stained coveralls, working to fix a customer’s machine or track down a part. 



But like so many small business owners, he struggled with the business side. He was incredible with his hands – he could fix anything -  but not so much with the numbers. He’d discount fees for friends, undercharge for repair work, and only made modest 10-15% commissions on equipment sales. Money was always tight—we lived the real middle-class struggle. 


As a kid, I’d spend summers typing invoices on an old typewriter and posting accounts receivable cards. I knew a debit from a credit by the time I was in middle school. My mom taught me how to balance the bank accounts to the penny, and I saw firsthand how hard it was to keep a small business afloat, much less make money and save for the future. I saw the difference between reality and perception. People often think that business owners are raking in money and calling the shots. But what I saw was the opposite. My parents worked harder than anyone I knew, yet financial security was always just out of reach. That experience planted a seed in me. I became convinced that somewhere in those numbers, there must be a better way—a secret to making business less of a struggle.


Fueled by that curiosity, I built a career in bookkeeping and eventually joined a CPA firm. But I remember one quiet afternoon in that office, surrounded by tax files, when the truth landed hard: preparing tax returns and summarizing the past was important, but it didn’t actually help small business owners move forward. I wanted to do more—help them understand their finances, make smarter decisions, and change the trajectory of their businesses.


At the same time, I was navigating a rough period in my personal life, searching for a new sense of purpose and fulfillment. That’s when I decided, in 2013, to step out on my own and start KAC Consulting Inc, with the mission to truly support small business owners the way my parents once needed.


In the early days, I hoped my daughter would join me, but she was sure that bookkeeping and tax work weren’t for her. However, as the business grew, I needed help with data entry from time to time, and she stepped in. What began as reluctant assistance grew into remarkable talent—she developed an incredible knack for untangling complex bookkeeping puzzles and is now our go-to expert for clean-ups. Watching her find her confidence and shine in this work makes me incredibly proud. Working alongside my daughter, my son-in-law, and a close friend, we’ve become a true family business—one where every client is known by name and story.


Our client base was diverse at first, because the language of numbers is universal. But when the pandemic hit, it was our restaurant clients who most captured our hearts. We watched as they faced daunting challenges—closures, uncertainty, and an ever-changing landscape. Their resilience was inspiring. The owners and operators who could read their numbers, who saw the story in their books, pivoted quickly and survived. We were able to support them in their toughest moments as clean, accurate bookkeeping became their lifeline—allowing them to quickly apply for government programs, access critical relief, and most importantly, regain hope. Our mission came into focus: we wanted to do everything we could to help restaurants not just survive but thrive.


At KAC Consulting, numbers aren’t just something that happen to you—they’re the story you get to write. Our mission is to help business owners, especially in the restaurant and hospitality industry, find clarity and confidence, and build a future they are truly proud of. As a family, as teachers, and as partners, we’re here to help you turn your numbers into your next chapter—one filled with resilience, growth, and peace of mind.


November 3, 2025
Tax season is like finals week for adults—stressful, confusing, and full of paperwork. But don’t worry, you don’t have to go at it alone. There are several types of tax professionals out there, each with different qualifications and specialties. Whether your tax situation is simple or complex, understanding who does what can help you choose the right person for the job.
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Picking someone to do your taxes isn’t just about saving time—it’s about making sure everything is done right, so you can avoid costly mistakes or even fraud, and maybe even score some extra savings! Just because someone claims to be a tax pro (even if they have a fancy office with a potted plant) doesn’t mean they’re actually qualified. So, before you hand over your personal details or hit “send” on your return, know what red flags to look for
By Cynthia Montoya, EA October 23, 2025
In this guide, we’ll break down what every restaurant owner needs to know about two key tax credits you may be missing. Read on to make sure you’re not leaving money on the table.
October 16, 2025
You probably have been receiving your refund by direct deposit; but just in case you have not, please read on!
By The Staff and KAC Consulting, Inc. October 15, 2025
You finally clicked the box to reconcile your bank account in your bookkeeping software when the dreaded alert shows up: “The ending balance does not match.” What do you do? Navigating accounting software, such as QuickBooks and Xero, can be challenging, especially for small business owners who juggle multiple responsibilities. Here are some of the most common mistakes and practical steps you can take to avoid them.
By Cynthia Montoya, EA October 1, 2025
Background Wesley and Janet Young, an Oklahoma couple, owned and operated Pecandarosa Ranch, which combined pecan farming, raising livestock, horse activities, and events. Despite their busy efforts and substantial investment—including building an arena and maintaining a large property—they reported significant financial losses from the ranch for many years. What Happened The Youngs claimed the ranch was a real business, deducting all its losses from their other income on their tax returns. However, the IRS challenged their tax filings, arguing that the ranch wasn’t genuinely run to make a profit. The Tax Court agreed with the IRS and not only denied the loss deductions but also imposed penalties. Key Lessons for Small Business Owners: Show a Real Profit Motive: The court looks at whether your activity is genuinely intended to make money. Things like detailed business plans, budgets, and regular reviews of your finances are strong evidence of a real business motive. Keep Businesslike Records: The Youngs used personal accounts and didn’t keep thorough up-to-date records for the ranch. For your business, use a separate bank account, maintain organized books (using tools like QuickBooks), and track your income and expenses carefully. Separate Fun from Business: If your business involves hobbies or things you enjoy (like sport or farming), be extra diligent. Personal enjoyment is fine, but make sure your operations, spending, and decisions focus on making money—not just having fun. Sustained Losses Are a Red Flag: Reporting losses year after year—especially if you also have outside income—can make the IRS skeptical. Occasional tough years are understandable, but without a clear path to profitability, you may not be able to deduct ongoing losses. Professional Advice is Key, but Not a Cure-All: Relying solely on tax preparers for filing returns doesn’t protect you if your business isn’t run for profit. Get professional advice on how to structure and operate your business before there’s a problem. Bottom Line Simply putting time and money into a business isn’t enough. To protect your deductions, run the operation in a genuinely businesslike way with a clear profit goal, strong records, and regular review of results. Do you need help to make sure you are compliant with IRS regulations and maximizing allowable tax savings? Please contact us to see how KAC Consulting, Inc. can assist! Summary based on Young v. Commissioner, U.S. Tax Court (2025)
By Cynthia Montoya, EA September 30, 2025
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By Kaitlyn Thompson, EA September 25, 2025
Many restaurant owners get into business because they love food, not finances. Without good finances, however, running your dream business becomes stressful and painful.
By Cynthia Montoya, EA September 25, 2025
For many years a family-owned restaurant in Texas had been a cherished destination for both locals and travelers. But after the pandemic, everything changed. Food prices soared, labor costs rose, and fewer customers came through the door. Month after month, the owners watched their net margin slip into the red, losing 1% on every dollar. With each shift, uncertainty grew: not just for the owners, but for everyone on the team. In the restaurant world, when business suffers, everyone feels it, from the kitchen to the dining room. Fewer guests can mean quieter nights, fewer shifts, and smaller tips. But when the restaurant thrives, so do the people who make every meal and every guest experience memorable. That’s when the owners turned to our KAC advisory team for a new way forward
By The KAC Consulting, Inc. Staff August 21, 2025
What you don’t know about your books can hurt you—badly.