Accounting & CFO-Advisory Services for Small to Medium Companies
Meet Kathy Luker, CPA - Founder of Blue Harbor Consulting
I founded Blue Harbor Consulting to help small and medium-sized business owners gain confidence in their financial numbers and create a clear path toward sustainable growth. With more than 20 years of accounting and advisory experience, I have partnered with businesses across a wide range of industries, including trades, professional services, retail, restaurants, software development, SaaS, and entertainment.
Living on a farm in West Tennessee with my husband and our horses, Montana and
Geronimo, has reinforced an important lesson: growth doesn't happen by chance. It requires planning, consistency, and the right systems. I bring that same philosophy to business finance—helping clients stay grounded in the present while building a strong financial foundation for the future.
Credentials & Values
- Licensed CPA
- Specialized expertise in small and medium-sized business (SMB) growth and profitability
- Practical, straightforward financial guidance
- Transparent, trust-based client relationships
Services
CFO Advisory - Proactive Support for Growth
Starting at $3,500/month
Growth doesn’t happen by accident — it takes planning, foresight, and the right support.
Our CFO Advisory Services turn raw financial data into clear insights and actionable strategies, giving you the confidence to make smarter decisions, drive profitability, and achieve sustainable growth.
With us as your trusted
Controller – Real-Time Data to Grow Your Business
Starting at $1,500/month
Numbers only matter when they lead to better decisions.
Our Controller Services give you the clarity to see where your money is going, where profits are being made, and how to act quickly to capture growth opportunities.
Bookkeeping – Compliance & Reporting
Starting at $500/month
A strong business begins with clean, accurate books.
We take care of the day-to-day details so you can stay compliant, confident, and focused on running your business.
With us, you’ll always have a reliable financial foundation and peace of mind knowing your books are accurate.
Why Choose Blue Harbor Consulting?
Peace of Mind About Your Numbers
We take the guesswork out of your financials. With reconciled accounts, accurate reporting, and proactive planning, you'll know exactly where your business stands.
Industry Expertise in SMBs & Trades
From HVAC contractors and builders to professional service firms and SaaS startups, we understand the unique challenges of project-based and service-driven businesses.
Forward-Looking Guidance
We don't just report on the past—we provide forecasting, cash flow insights, and KPI dashboards so you can plan with confidence.
Tailored to Fit Your Business
Every business is different. We customize our services and reporting so you get the information that matters most to your success.
Fractional CFO Value
You gain access to Big Four experience and 20+ years of accounting and advisory expertise—providing the same level of insight as a full-time CFO, but delivered in a flexible way that aligns with your business stage and growth goals.
Responsive & Relationship-Driven
We're not a “set it and forget it” firm. With guaranteed 24–48 hour response times, you'll always have support when you need it.
Scalable Support
Whether you need bookkeeping, controller oversight, or CFO-level strategy, our tiered packages grow with your business.
Discover the benefits of working with
Blue Harbor Consulting!
Clarity, control, and Growth for Your business
Blue Harbor Consulting helps small and medium-sized business clean up their books,
streamline accounting systems, and use financial insights to fuel growth.
What We Do
We partner with business owners across industries—including trades,
professional services, restaurants, software, SaaS, and entertainment—to:
Keep books clean and compliant
Provide real-time financial data for smarter decisions
Build dashboards that highlight opportunities
Create proactive growth strategies backed by numbers
Why Blue Harbor Consulting
CPA-led expertise with a growth mindset
Clear, honest insights—no jargon
Flexible support: bookkeeping, controller, or CFO advisory services
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