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Polanco Advisory Group

Transparent Pricing. No Surprises.

Most accountants in Lawrence and the Merrimack Valley make you call to find out the price. We don't. Every service we offer is priced openly so you can compare, plan, and choose with confidence.

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Service

Bookkeeping & Payroll

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Transparent Pricing

Investment & Tiers

Three monthly retainer tiers. All include QuickBooks Online, monthly financials, and bilingual support (EN/ES). No competitors in Lawrence/Methuen publish bookkeeping pricing — we believe transparent pricing is a feature, not a risk.

Essentials

$350/month

Best for solo operators, new LLCs, freelancers, side hustles becoming real businesses. Revenue under $100K.

  • Up to 75 transactions/month
  • 1 bank account + 1 credit card reconciliation
  • Monthly Profit & Loss + Balance Sheet
  • QuickBooks Online (Simple Start)
  • Annual 1099 prep — up to 3 contractors
  • Email support · 48-hour response
  • English + Spanish
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Most Popular

Growth

$500/month

Best for growing LLCs with 1–5 employees, $100K–$500K revenue. Restaurants, cleaning, construction trades, salons.

  • Up to 200 transactions/month
  • Up to 3 accounts (bank + cards)
  • Monthly P&L + Balance Sheet + Cash Flow
  • QuickBooks Online (Essentials)
  • Payroll for up to 5 employees + W-2s
  • Quarterly estimated tax reminders (Federal + MA)
  • Annual 1099 prep — up to 10 contractors
  • MA sales tax filing (monthly or quarterly)
  • Email + phone support · 24-hour response
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Advisory

$700/month

Best for established LLCs/S-Corps with $300K–$2M revenue, 5–15 employees. Annual return inclusion alone saves $500–$800.

  • Unlimited transactions and accounts
  • P&L + Balance Sheet + Cash Flow + Executive Summary
  • QuickBooks Online (Advanced) + custom reporting
  • Payroll for up to 15 employees + payroll tax filings
  • Quarterly tax planning calculated AND submitted
  • Unlimited 1099 prep · sales tax in up to 2 states
  • Monthly 30-min strategy call with Bradley
  • 90-day rolling cash flow forecast
  • Custom KPI dashboard (revenue, margins, labor, burn)
  • Annual business return (1065 / 1120-S) included
  • Dedicated advisor · same-day response
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Add-Ons
Sales tax setup + registration$150 one-time
Payroll add-on (Essentials tier)+$100/month
Quarterly estimated tax calculation (Essentials/Growth)+$75/quarter
Additional employee beyond tier limit+$20/employee/month
Additional state (sales tax or payroll)+$75/state/month
Business tax return (if not on Advisory)$500–$800
Cash flow forecast (Essentials/Growth)+$150/month
Catch-Up Bookkeeping
Months BehindRate
1–3 months behind$150 per month of backlog
4–6 months behind$125 per month of backlog
7–12 months behind$100 per month of backlog
13+ months behindCustom quote

Catch-up bookkeeping is a one-time fee paid before starting a monthly retainer. Example: 6 months behind × $125 = $750 catch-up, then begin monthly retainer.

Service

Credit Coaching

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Transparent Pricing

Investment & Tiers

Coming Soon — Available 2026 — Pending Compliance Review

Personal credit coaching is a regulated service under the federal Credit Repair Organizations Act (CROA) and Massachusetts c. 93 §68A. We are scaffolding the service with consumer-finance counsel and will launch in 2026 with full compliance — proper disclosures, written contracts, in-arrears billing, and CROA-compliant marketing. Tiers below are target pricing.

Foundation

$100/month

Best for individuals starting their credit journey or with one specific bureau issue to focus on.

  • Monthly review of one credit bureau report
  • One educational module per month
  • Up to 2 coaching messages per month
  • Email support · 48-hour response
  • Bilingual EN/ES
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Most Popular

Builder

$150/month

Our anchor tier. Best for clients with multiple items across bureaus and an active credit-building goal.

  • Monthly review of all 3 bureau reports (TransUnion, Experian, Equifax)
  • Three educational modules per month
  • Up to 4 coaching messages per month
  • Access to FCRA dispute letter template library after each period is rendered
  • Monthly score check-in via email
  • Bilingual EN/ES
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Strategist

$200/month

Best for serious cases — recent collections, mortgage-prep timelines, or coordinated personal+business credit work.

  • Everything in Builder
  • Monthly written action plan delivered via secure portal
  • Review of client's own creditor / collector documentation
  • Integration with your PAG tax engagement (where applicable)
  • Priority response · 24-hour SLA
  • Bilingual EN/ES
Get on the Waitlist

All tiers will be billed strictly in arrears for services already rendered each month — no setup fees, no first-work fees, no deposits. 3-business-day cancellation right per CROA §1679e and M.G.L. c. 93 §68D. Coaching is template-based and educational; clients exercise their own FCRA/FDCPA rights under their own name. Results vary; we make no guarantees of specific score outcomes. Anything we coach you to do, you can also do yourself for free under federal law.

Service

Business Credit Blueprint

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Transparent Pricing

Investment & Tiers

Three setup tiers, choose one. Optional monthly maintenance keeps your profile growing after the initial 90 days. All pricing is for the LLC — business credit work is not regulated by the federal Credit Repair Organizations Act (CROA) or Massachusetts c. 93 §68A, both of which cover natural-person consumers only.

Starter

$497 one-time

Best for newly formed LLCs with budget constraints, ITIN entrepreneurs starting from scratch, or owners who want hands-on learning.

  • DIY-guided — you do the registrations with our roadmap
  • Step-by-step instructions for D&B, Experian Business, Equifax Business
  • 5 Net-30 vendor application templates
  • 30-minute strategy call with Bradley
  • Email Q&A for 30 days
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Most Popular

Blueprint

$750 one-time

Our most popular tier. Best for established LLCs ready to delegate setup and start building toward business card approval.

  • Done-for-you registration with all 3 business credit bureaus
  • 5 Net-30 vendor account applications submitted on your behalf
  • 30-day follow-up to confirm tradeline reporting
  • Personal credit education guide (companion resource)
  • First tradeline verification across all 3 bureaus
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Concierge

$1,500 one-time

Best for serious entrepreneurs scaling toward bankable revenue, preparing for SBA financing, or buying another business.

  • Everything in Blueprint
  • 5 additional Tier 2 vendor accounts (revolving credit)
  • NAV.com setup with monitoring configured
  • Business credit card application strategy (Ramp, Brex, Amex Business)
  • 60-day follow-up (vs. 30 in Blueprint)
  • Funding readiness assessment for SBA / acquisition prep
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Add-Ons
Maintenance — Basic (any tier)$99/month
Maintenance — Plus (any tier)$149/month
Bundle: Funding Sprint (Blueprint + personal credit coaching)$750 setup + $150/month
Bundle: Total Credit Stack (Concierge + maintenance + personal coaching)$1,500 setup + $349/month

Monthly Maintenance Basic ($99) includes monthly business credit report review, 1–2 new vendor additions per quarter, and PAYDEX/Intelliscore tracking. Maintenance Plus ($149) adds priority response and a quarterly written growth plan. Maintenance can be canceled anytime. We do not promise or guarantee any specific funding amount, lender approval, or business credit score outcome — funding decisions are made independently by lenders based on the totality of your business profile.

By Quote

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Tax preparation, IRS representation, ITIN applications, LLC formation, life insurance, estate planning, digital infrastructure, and trademark registration are quoted based on your specific situation. Book a free consultation and we'll give you a clear quote in plain language.

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