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BOTH Fortune 500 support for the Business of One

BOTH, an acronym for “Back Of The House”, provides every support function that any self-employed professional, freelancer, or solo practitioner needs to be successful. The integrated set of services permanently empowers self-employed professionals to work for themselves, but not by themselves, by handling all operational and administrative hassles that commonly challenge them. BOTH simply and cost-effectively transforms self-employment into a professionally configured and completely supported “Business of One” by:

Setting up and/or maintaining a Limited Liability Company for each client. This individually owned entity serves as a permanent foundation for contracting, health & retirement benefits, liability protection, tax efficiency, professional status and marketing cachet.
Assigning a Personal Advisor who proactively handles billing, collections, taxes, financial reporting, and the general day-to-day administration of the client’s business or project portfolio, including compliance.
Establishing, hosting and supporting an individual I.T. infrastructure for each client with e-mail, Microsoft Office tools, redundant data archives, and which integrates all back office functions and online business banking in an encrypted environment.
Providing continuous health and wellness benefits, as well as access to individually underwritten health insurance and Solo 401(k) retirement options.

Get BOTH

BOTH Has What Independent Professionals Need
  • A personally owned and controlled Limited Liability Company specifically set up for individual contracting needs.
  • A thoroughly resourced back office.
  • A unique network of BOTH Expert Partners, leaders in their fields, and contractually integrated into the BOTH Resource Center.
  • A dedicated Personal Advisor serving as a single-point-of-contact for all Back Of The House functions, committed to providing the self employed with the freedom to work independently.
Why BOTH Expert Partners
BOTH Expert Partners

BOTH provides the complete Back Of The House support structure which unburdens the self employed, enabling them to focus on what they do best. The BOTH network of Expert Partners are premier providers in their selected fields. This unique grouping of expert resources is available only through a BOTH account and their support is coordinated by a designated BOTH Personal Advisor.

Expert Partners Overview
Billing Services
BOTH
IT Infrastructure
External I.T.
Bookkeeping
Saltmarsh, Cleaveland & Gund, P.A.
Online Banking
NewDominion Bank
Incorporation Services
LLC.com
Tax Services
TruePartners
Healthcare Benefits
United Consumer Awareness Association
Retirement Plans
Invesco Aim
BOTH receives no remuneration from any Expert Partner for the services provided to BOTH clients. As such, BOTH is always in a position to serve ONLY the interests of its clients.
BOTH Expert Provider BillingHealthcare BenefitsTax ServicesIncorporation ServicesOnline BankingBookkeepingI.T. InfrastructureRetirement Plan
BOTH Billing
BOTH research has found that the second most challenging aspect of being an independent professional is rendering and collecting of moneys due – the first is finding the work engagement, of course. The BOTH Personal Advisor manages the second item - the client billing process- from end to end, unburdening the client and giving them more time to focus on challenge #1.
The BOTH Personal Advisor will set up the client’s billing process on BOTH’s propriety billing product, BOTH Billing. The client only needs to indicate “whom to bill, ” “what to bill” and at “what rate.” BOTH will take care of the rest.
The Personal Advisor will confirm these instructions and will create an invoice using a predetermined format to be delivered either by mail or email – or both. A “BOTH Client” trademark will be included at the bottom of the invoice along with the name and contact phone number of the Personal Advisor if the client requests.
The client is notified by email that the bill has been rendered, and the bill is posted in the “Open Invoices” file on the client’s Workspace.
BOTH’s Bookkeeping Partner, Saltmarsh, Cleaveland & Gund, P.A., will use invoices to help create the client’s monthly balance sheet and aging of receivables. The Personal Advisor will check the client’s receivable’s aging several times during the month to see if it has been cleared. If accounts turn past due, the Personal Advisor will ask the client if follow-up is necessary, and will perform it, if asked.
All invoices are incorporated in the client’s bookkeeping records and are archived and backed-up at the data center and are available from any computer, providing peace of mind to the client and certainty about dates, amounts and payments in case of disputes.
Of course, this unparalleled service – uniquely available to the BOTH client, is included in the base monthly fee at no extra cost.
BOTH Expert Partner
The BOTH Client is provided with a complete, state-of-the-art IT infrastructure, delivered and fully supported through five (5) encrypted, redundant, secure, dual coast Data Center facilities operated by our Expert Partner, External I.T. All applications are delivered through the internet, but work exactly as if they were running on the BOTH Client’s local PC or MAC. Applications and Client data are securely stored, backed-up and available anytime from any PC or MAC with internet access anywhere in the world. This hosted environment is more reliable, more secure, and more stable than any local-based system, and it is supported by a highly-trained technical support team that can even take control of a BOTH Client’s computer for technical support, if necessary.
Think of the cost savings, security and efficiency provided through this completely integrated infrastructure; the same fully hosted infrastructure that many Fortune 500 corporations are moving towards. Many technology resources and Think Tanks estimate that nearly 50% of computer users lose emails, documents and other important electronic information each year.

What would this kind of sound, total piece of mind, IT infrastructure and support cost you in the market today?

  • Live Technical Support through phone, email or chat.
  • “Workspace” availability from anywhere in the world with internet access.
  • Remote data backup and data restoration service.
  • Data and file synchronization between “hosted files” and your local hard drive, if necessary.
  • Always-current software and licensing.
  • A fully integrated, thoroughly supported back office in “The Cloud” and always available.

The truth is, one bundled offering such as this is not available anywhere, except through BOTH.
The BOTH Client Workspace
The Client Workspace is accessed through a secure sign-on and log-in procedure and provides access to email, a fully-licensed suite of Microsoft Office products and shortcuts to the Client’s support infrastructure and services (i.e. online banking, benefits, bookkeeping, etc.). The BOTH Client Workspace makes it possible for the Client to “be in the office” on any day, from anywhere in the world.
The Client’s dedicated BOTH Personal Advisor will walk through the process of migrating data (e.g. contacts, email histories, work products, and archives) from local storage to the Hosted Data Center, setting up the BOTH Client Workspace, and providing access to Technical Support. The BOTH Client Workspace represents the latest approach to delivery of hosted IT services and is THE ONLY ONE complimented by a fully hosted back office and the assistance from a trained Personal Advisor.
BOTH Expert Partner
BOTH Expert Partner
In 1944, Thomas Saltmarsh, Harold Cleaveland and Charles Gund, pooled their talents and modest resources to form a partnership for the practice of accounting.  Their success was attributed to their guiding principles of honesty and integrity, accuracy and thoroughness, quality client service and most importantly, the belief that service to the community is an individual, as well as a corporate, responsibility.
Today, Saltmarsh, Cleaveland & Gund, P.A. offers a variety of services to both national and international clients - from accounting, bookkeeping and taxation to consulting services.  Through their membership in the PKF North American Network, an international association of independent CPA firms, they offer services throughout the United States, Canada, Mexico, the United Kingdom, Europe, and the Far East.  The PKF North American Network offers a world class network of experience and expertise – unlike that usually found in a local or regional accounting firm.
As with all of the BOTH services, bookkeeping is made available online from the client’s BOTH work space, with assistance – if needed. The My Bookkeeping Tab on the BOTH Client Workspace contains five (5) electronic folders:
The Invoices Folder is populated by the Personal Advisor, based upon billing instructions provided by the client. The Receipts Folder is created by the client through scanning and sending PDF files to it or by mailing the receipts to their Personal Advisor, who will create it. The Reports Folder is created by the Personal Advisor and updated regularly. Client bookkeeping is done by professional accountants at Saltmarsh, Cleaveland & Gund, P.A. (Saltmarsh, Cleaveland & Gund, P.A.), who will have “read-only access” to the client’s bookkeeping file and checking account statement. The Budget Folder is created and loaded with the initial Budget Template.
Using those raw data, Saltmarsh, Cleaveland & Gund, P.A. will create the following reports:
  • Profit and Loss Statement
  • Budget to Actual Results Comparison
  • Balance Sheet
  • Checking Account Reconciliation
The client’s Personal Advisor will email an advisory note to the client when updated reports are available. The Archives Folder will contain all invoices and receipts that have been transmitted to Saltmarsh, Cleaveland & Gund, P.A. for compiling the client’s financial statements that have been reviewed and approved by the client. All client data and the statements will be archived and secured at the BOTH Data Center, but always available in the Archives Folder on the client Workspace.
The client is in complete control of the Bookkeeping function. Neither Saltmarsh, Cleaveland & Gund, P.A. nor BOTH can make entries or changes to them unless directed to do so by the client. The Personal Advisor has “read-only” access to the client bookkeeping file and is available to answer questions. If necessary, the Personal Advisor will seek assistance from Saltmarsh, Cleaveland & Gund, P.A..
BOTH Expert Partner
NewDominion Bank, FDIC Insured, has been a Better Business Bureau (BBB) Accredited Business since 2005 and has a BBB Rating of A. A niche financial services company providing expertise and enabling growth and success for customers, NewDominion works with BOTH to provide our Clients with online banking services which integrate seamlessly within the BOTH suite of products and are accessible to Clients anytime and anywhere through their BOTH Client Workspace.
How BOTH and NewDominion Bank Work Together for Clients
NewDominion Bank provides LLC online banking services, including a business account only available to BOTH clients, a debit card, business online banking, as well as other optional banking services that the BOTH Client may select, through newdominionDIRECT.com®. Other cash management options to be added in the near future include automated overnight investment sweep, commercial bill pay and a flatbed scanner remote deposit product ideal for small business.
BOTH Clients remain completely in control of their LLC checking account. The BOTH Personal Advisor, as well as the BOTH Bookkeeping Expert Partner, will have “read-only” access to Client records in order to answer questions and/or to be an effective liaison with NewDominion on behalf of the Client.
Banking transactions are posted daily and can be viewed from the encrypted BOTH Client Workspace. Debit card receipts showing the purpose of the transaction (to be included in the bookkeeping statements) can be scanned into the BOTH Bookkeeping Folder or simply mailed to the Personal Advisor, who will electronically file them for the Client. Account statements are rendered monthly and also available to be viewed online or printed.
Why BOTH Partnered with NewDominion Bank
Offering specialized growth-oriented products, seasoned professional staff, and advanced online technology, NewDominion Bank helps individuals achieve their financial goals. Based on a philosophy that sharing resources and ideas benefits all, NewDominion will strive to ensure the success of BOTH Clients. Since the BOTH corporate culture is founded on “Cultivating the Desire for Success” incorporating NewDominion within the BOTH integrated services makes perfect sense for BOTH and our Clients.
A variety of online financial services are offered through NewDominion’s online bank service called newdominionDIRECT.com®. This channel provides BOTH Clients with the ability to view and manage their account, transfer funds, access to online bill payment service and much more with the convenience and security of 24 hour online access. BOTH Clients from across the nation benefit from the innovative technology, and the products and services offered through newdominionDIRECT.com®.
NewDominion Bank has quickly risen to become a leader in providing banking solutions through innovative technology systems and experienced customer relationship managers. BOTH Clients will benefit from these online banking innovations.
(Deposit products are offered through NewDominion Bank, Member FDIC and an Equal Housing Lender. Only deposit products are FDIC insured up to the standard maximum deposit insurance amount.)

FDIC Logo   Equal Housing Lender Logo
BOTH Expert Partner
A Limited Liability Company owned by the individual BOTH client serves as the essential integration structure for all “Back Of The House” support services. BOTH has partnered with LLC.com, the industry leader in LLC formation services, to create this structure for each BOTH client. LLC.com’s parent, The Company Corporation, was founded in 1899 by the architects of Delaware’s corporate laws and over the past hundred years has helped hundreds of thousands of individuals form LLC’s.
The LLC structure is a critical “best practice” for any independent professional. Businesses operating as a sole proprietorship create personal liability for any business debts or lawsuits brought against the business. Nearly everything owned by sole proprietor (i.e. a savings account, a car, a house) can be at risk as a result of the proprietor’s business activity. The LLC separates a client’s personal identity from the business identity, thereby limiting personal liability and preserving personal assets. It also provides the BOTH client with significant additional benefits like tax savings, a legally recognized contracting structure, as well as transparency when dealing with government regulatory agencies. And the LLC is permanent.
The BOTH Personal Advisor, supported by business specialists at LLC.com, make establishment and maintenance of a proper Limited Liability Company easy to accomplish. And the BOTH Personal Advisor will oversee maintenance of the LLC on the client’s behalf. The cost of the LLC is included in the basic BOTH fees.
BOTH Expert Partner
In late 2005, several former Arthur Andersen professionals saw the need for an independent tax advisory firm. There was demand for a firm that could focus on providing clients with tax and business consulting, yet a firm without the burdens and potential Sarbanes-Oxley related conflicts that other companies offering audit services face. True Partners Consulting was created to meet this market need.
True Partners Consulting has now grown to over 200 tax professionals in the United States and United Kingdom, as well as four member firms in Barcelona, Spain; Beijing, China; Paris, France; and Torino, Italy. Their professionals have over 1,000 years of experience, 11 locations (including 4 member firms) and counting, 1 fresh approach to tax consulting and a world of possibilities. True Partners Consulting is a tax and business advisory firm that combines a fresh approach to tax services with well-known expertise, and serves as its clients’ advocate. TPC’s employees combine passion and talent with intelligent problem solving to help each client realize their financial goals.
BOTH has assembled a unique bundle of health, wellness and consumer benefits that the Client receives as part of the base BOTH package at no extra cost. Some of these services and consumer discounts are not otherwise available to individual purchasers at any price.
BOTH has also assembled a group of the leading health insurers for optional health insurance at an additional cost to the BOTH Client. If a BOTH Client does not require health insurance or qualify for coverage by a health insurance provider, BOTH also offers Limited Indemnity Plan options exclusively through Patriot Heath, Inc.
Elective Comprehensive Health Insurance
BOTH has organized a comprehensive approach to optional health insurance coverage that includes offerings from all the leading health care providers in the U.S.
UCAA
The BOTH Personal Advisor can arrange for a confidential evaluation of these plans by a trained, licensed professional to find which plan features are available at various price points. Since, the pricing of health insurance plans is based on many variables including participant age, location, pre-existing conditions, and state regulation, among others, the ability to comparison shop with the guidance of an expert counselor is a benefit in and of itself. A personal counseling service like this has previously only been available to individuals through large companies.
BOTH’s expert health care counselors are almost always able to find an offering that the BOTH Client can afford. This consultation is available to BOTH Clients at no additional cost. Once a Client has made a health insurance selection, all further communication is handled directly between the Client and the chosen health insurance provider to insure privacy.
If a Health Savings Account applies to the health insurance plan selected by the Client, the BOTH Personal Advisor can assist in opening the account.
Limited Indemnity Plans
Through our association with United Consumer Awareness Association (UCAA), BOTH is able to provide our Clients access to various Limited Indemnity Plans, not otherwise available to individuals, and at preferred rates that are 100% guaranteed issue through Patriot Health, Inc. The UCAA is a mission driven association committed to enhancing your life by providing access to a wealth of information related to health and wellness, consumer and environmental awareness, and human issues. The UCAA stresses change in consumption habits resulting in a healthier person, community, and world.
The Patriot Limited Indemnity Plans include:
  • Doctor office visits
  • Wellness visits
  • Infant wellness visits
  • Diagnostic, x-ray and laboratory services
  • Hospital admission benefit
  • Hospital confinement benefit
  • Hospital ICU/CCU
  • Surgery and anesthesia benefit
  • Emergency room visits
  • Ambulance trips
  • Physical therapy
  • Medical Records Software
  • Hospice
Additional UCAA insurance features include:
  • Accidental death and dismemberment benefit (ranging from $10k - $25k)
  • Excess accident medical expense benefit (subject to a $100 deductible)
  • Guaranteed issue term life insurance (ranging from $5k - $10k)
The Patriot Limited Indemnity Plans include:
  • Doctor/hospital/lab network
  • Tiered dental program that provides a free annual exam and full set of X-rays
  • Tiered vision program that provides a free annual eye exam
  • Tiered Rx program
  • Tiered chiropractic program
  • 24 Hour nurse care line
  • Holistic care program
  • 24 Hour member assistance counseling
The BOTH Core Health, Wellness and Consumer Benefits package is not health insurance; however, it does provide significant cost savings to BOTH Clients for health and wellness related services, to include various travel benefits. Some of these Health, Wellness and Consumer Benefit cost savings are not otherwise available to consumers at any price. Additionally, consumer participation is health and wellness programs may have a favorable impact on the cost and availability of certain health insurance coverages.
Limited Indemnity Plans
Through our association with United Consumer Awareness Association (UCAA), BOTH is able to provide our Clients access to various Limited Indemnity Plans, not otherwise available to individuals, and at preferred rates that are 100% guaranteed issue through Patriot Health, Inc. The UCAA is a mission driven association committed to enhancing your life by providing access to a wealth of information related to health and wellness, consumer and environmental awareness, and human issues. The UCAA stresses change in consumption habits resulting in a healthier person, community, and world.
The Patriot Limited Indemnity Plans include:
  • Doctor office visits
  • Wellness visits
  • Infant Wellness visits
  • Diagnostic, x-ray and laboratory services
  • Hospital admission benefit
  • Hospital confinement benefit
  • Hospital ICU/CCU
  • Surgery and anesthesia benefit
  • Emergency room visits
  • Ambulance trips
  • Physical therapy
  • Hospice
Additional UCAA insurance features include:
  • Accidental death and dismemberment benefit (ranging from $10k - $25k)
  • Excess accident medical expense benefit (subject to a $100 deductible)
  • Guaranteed issue term life insurance (ranging from $5k - $10k)
Additional UCAA discount medical program features include:
  • Doctor/hospital/lab network
  • Tiered dental program that provides a free annual exam and full set of X-rays
  • Tiered vision program that provides a free annual eye exam
  • Tiered Rx program
  • Tiered chiropractic program
  • 24 Hour nurse care line
  • Holistic care program
  • 24 Hour member assistance counseling
All of the Limited Indemnity Plan features are in addition to the BOTH Core Health, Wellness and Consumer Benefits package that comes standard with a BOTH account. Your BOTH Personal Advisor is ready to discuss Limited Indemnity Plan options and/or schedule a consultation directly with a licensed representative of UCAA.
All of the Limited Indemnity Plan features are in addition to the BOTH Core Health, Wellness and Consumer Benefits package that comes standard with a BOTH account. Your BOTH Personal Advisor is ready to discuss Limited Indemnity Plan options and/or schedule a consultation directly with a licensed representative of UCAA.
Core Health, Wellness and Consumer Benefits
BOTH has assembled a unique bundle of health, wellness and consumer benefits through the United Consumer Awareness Association (UCAA) that the Client receives as part of the base BOTH package at NO EXTRA COST. Some of these services and discount programs are not otherwise available to individual purchasers at any price.
  • Excess Accident Medical Expense Benefit ($5,000)
  • Accidental Death & Dismemberment Benefit ($15,000)
  • Guaranteed Issue Term Life Insurance ($10,000)
  • Tiered Dental Plan (25% - 60% savings)
  • Tiered Vision Plan (10% - 50% savings)
  • 24 Hour nurse care line
  • CallMD™ Program (6 Free Calls/Year)
  • Prescription Drug Discount Plan (10% - 50% savings)
  • Tiered Chiropractic Plan (5% - 50% savings)
  • 24 Hour Counseling Hotline (25% - 60% savings)
  • Holistic Care (20% savings)
  • Durable Medical Equipment (25% savings)
  • Medical Records Software
  • Diabetic Supplies Program (10% - 60% savings)
  • Hearing Care (15% discount on hearing aids/20% - 50% savings off hearing services)
  • Fitness Program (10% - 50% savings)
  • E-Wellness
The BOTH Core Health, Wellness and Consumer Benefits package is not health insurance; however, it does provide significant cost savings to BOTH Clients for health and wellness related services, to include various travel benefits. Some of these Health, Wellness and Consumer Benefit cost savings are not otherwise available to consumers at any price. Additionally, consumer participation is health and wellness programs may have a favorable impact on the cost and availability of certain health insurance coverages.
BOTH Client Confidentiality
This unique package of services is available to individuals only through the BOTH Client account. While the Client’s Personal Advisor can answer questions about the services and organize enrollment, all substantive discussions are handled on a strictly confidential basis between the BOTH Client and the individual health, wellness and/or consumer benefit provider. No medical information on a BOTH Client is available to any person at BOTH, including the Client’s Personal Advisor, and no medical records of any Client are maintained by BOTH
BOTH Expert Partner
BOTH has chosen Invesco Aim as its preferred provider of retirement services for BOTH clients. The featured investment structure, Invesco Aim’s “Solo 401 (k)” is uniquely suited for BOTH clients. It provides, to an individual owner, the complete 401(k) offering usually available only through large corporate employers. Moreover, the Invesco Aim Solo 401(k) offers contribution flexibility that surpasses tax-deferred retirement programs traditionally available to individuals.
Invesco Aim’s credentials in the investment management arena are strong, with over $348 billion in assets under management world wide, more than 500 investment professionals, and client support in 20 countries. Over 50 funds in all asset classes are available to the BOTH client, and all transactions, such contributions and allocations can be processed on-line from the client’s secure, encrypted BOTH workspace.
Invesco Aim’s financial specialists, supported by the BOTH Personal Advisor, will team up to assist with opening new accounts, managing rollovers and keeping records.
Set up costs are nominal and are covered in the BOTH enrollment fee.