905-471-6234
Bookkeeping That Helps You Understand Your Business
Modern cloud bookkeeping and practical financial support for owner-operated businesses who want clarity, confidence and a stronger foundation for growth.
Our Services
At Temple Financial, we help business owners bring clarity and structure to their finances through modern cloud bookkeeping, clean financial systems and ongoing financial support.
Clean-up & Diagnostic Review
Fix the past so the future is reliable
Catch up bookkeeping
Error correction and account reconciliation
Reconcile bank and credit card accounts accurately
Chart of accounts review and restructuring
Transaction cleanup and correction
CRA compliance review
Preparation for tax filing or audit readiness
Diagnostic findings and recommendations
Best-practice setup for ongoing bookkeeping
Bookkeeping
Accurate books. Clear financial visibility
Transaction categorization
Bank and credit card reconciliations
Accounts Receivable and Payable tracking
GST/HST tracking and filing
Receipt and document management
Financial statement preparation
Management reporting
CRA compliant books and audit readiness
Financial Clarity & Support
Understand what your numbers mean - and what to do next
Cash Flow visibility and planning
Budgeting and financial goal setting
Business performance insights
Financial trend and profitability analysis
Monthly financial review discussions
Financial decision support
Clear, actionable financial insight
About Temple Financial
I've Been in Your Shoes
Hi, I'm Jennifer Horwood, founder of Temple Financial. Before becoming a bookkeeping professional, I co-founded an AI startup — navigating cashflow pressures, investor expectations, and high-stakes decisions with a lot riding on getting it right.
What made the difference was having a bookkeeper I could rely on. Because my books were always current and accurate, I knew exactly where we stood — even when everything else was uncertain. That clarity is what allowed me to make confident decisions when it mattered most.
That experience taught me something powerful: having a solid handle on your books isn't just helpful — it's essential for survival and success.
After selling the business, I knew many other small business owners were facing the same struggles I had — but without the benefit of that same clarity. That's why I started Temple Financial — to give founder-led businesses the financial clarity to stop second-guessing and start deciding with confidence.
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Our Mission
To help small business owners gain greater financial clarity, confidence, and peace of mind through reliable bookkeeping and practical financial support.
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Our Values
Integrity – Doing what’s right, every time.
Respect – Valuing your time, your business, and your trust.
Clarity– Providing financial information in a way that's organized, understandable, and useful.
Partnership – building long-term relationships grounded in trust, communication, and support.
Why Temple Financial?
At Temple Financial, we understand the pressures small business owners face—from managing bookkeeping and cash flow to staying compliant and making important financial decisions. We bring clarity, organization, and practical financial support so you can spend less time worrying about your finances and more time focusing on running your business.
Real Entrepreneurial Experience
Having built and managed businesses myself, I understand the pressures small business owners face—from cash flow challenges to making important decisions with limited time and information.
That experience shapes the way we support clients: practical, responsive, and grounded in real-world business understanding.
Financial Clarity Beyond Compliance
Good bookkeeping is about more than staying organized for tax season. We provide clear reporting and meaningful financial visibility, so your financial information becomes more understandable and useful—not just something you file away.
Modern, Cloud-Based Convenience
Secure cloud-based tools keep your bookkeeping organized, accessible, and efficient. With real-time access to your financial information and streamlined document management, you spend less time chasing paperwork and more time running your business.
Certified & Continuously Learning
As a Certified QuickBooks Online ProAdvisor and member of CPB Canada, we stay committed to ongoing education, industry best practices, and continually improving the systems and support we provide to clients.
Testimonials
York Pioneer and Historical Society - Board of Directors
"Jennifer Horwood has been an invaluable asset to the York Pioneer and Historical Society in
her role as Treasurer. She brings a rare combination of entrepreneurial insight, precision in
financial management, and a genuine passion for helping organizations thrive. Since joining
us, Jennifer has introduced greater clarity and structure to our financial systems and provided
the kind of steady oversight that gives our board full confidence in our financial stewardship.
Her ability to communicate complex financial matters in an approachable, transparent way
has been especially appreciated by our board and members. Jennifer’s professionalism,
integrity, and dedication are evident in everything she does”
Frequently Asked Questions
Answers to commonly asked questions about our tax services.
Do I need a bookkeeper if I use accounting software?
Yes! Accounting software like QuickBooks is a powerful tool—but it’s just that: a tool. While it can automate some tasks and generate reports, it still relies on accurate data entry, regular reconciliation, and financial understanding to give you meaningful results.
A bookkeeper brings expertise, consistency, and a trained eye to your finances. We catch errors the software can’t, keep your accounts up to date, and ensure everything is categorized properly—so your reports actually reflect your business’s true financial picture.
Think of it this way: accounting software is like having a great calculator. A bookkeeper is the person who knows what numbers to put in, what they mean, and what to do with them.
What should I look for in hiring a bookkeeper?
Hiring a bookkeeper is an important decision—you’re trusting someone with the financial foundation of your business. Here are some key things to look for:
Professional credentials: Designations like CPB (Certified Professional Bookkeeper) from the CPB Canada association show that a bookkeeper meets national standards for knowledge, ethics, and ongoing education. Certifications such as QuickBooks ProAdvisor also demonstrate specific platform expertise.
Experience and industry knowledge: Your bookkeeper should understand not just bookkeeping principles, but also how they apply in real-world business settings. Experience with small businesses or entrepreneurship is a big plus.
Attention to detail and accuracy: Your books should be reliable, audit-ready, and clearly organized. A good bookkeeper keeps your records clean and up to date, so you're never left guessing about your numbers.
Use of modern tools: Look for someone who works with secure, cloud-based accounting platforms like QuickBooks Online as well as tools for electronic payments or payroll. These tools make collaboration easier, reduce paperwork, and give you access to real-time financial data.
Communication and transparency: Your bookkeeper should explain things clearly, respond promptly, and keep you informed—no jargon, no surprises.
Security and peace of mind: Ask if they carry Errors & Omissions (E&O) insurance, which protects both you and them in the unlikely event of a mistake. This is a sign of professionalism and accountability.
In short, the right bookkeeper offers more than just data entry—they bring trust, clarity, and confidence to your financial world.
Will I still have access to my accounting records and is my financial data secure?
Absolutely. You’ll always have full access to your financial records through secure, cloud-based systems like QuickBooks Online. These platforms let you view your data anytime, anywhere, with real-time updates.
On the security side, your data is protected using bank-level encryption, two-factor authentication (2FA), and secure file-sharing methods. I never store your sensitive financial information on personal devices or unprotected systems.
In addition, I’m committed to best practices in confidentiality and digital safety. This includes:
Using secure tools like Telpay or Rotessa for payments and collections
Collaborating through platforms like Financial Cents, which centralize communication and documents in one encrypted hub
Maintaining Errors & Omissions (E&O) insurance for an added layer of professional accountability
With these safeguards, your data stays safe while you remain fully in control.
How do I get started?
Getting started is simple and stress free. First, schedule a free consultation call.
From there, we'll
Start with an assessment of your requirements. and forward a checklist that will assist us in understanding your needs. Once we have determined that we are able to provide you with services, the next step is to review some of your key financial records so that we can prepare a pricing package customized to your business.