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      <image:title>Home</image:title>
      <image:caption>QuickBooks Online logo featuring green circle with 'qb' initials and black text.</image:caption>
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      <image:caption>Icon of a checkbook with a pen writing, an upward arrow, and the words "Direct Deposit".</image:caption>
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      <image:caption>QuickBooks logo with green circle and white 'qb' symbol, alongside the words 'intuit quickbooks' in black text.</image:caption>
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      <image:title>Home</image:title>
      <image:caption>Green icon with a dollar sign inside a circle and a hand underneath, next to the word 'Payroll'</image:caption>
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      <image:title>Home - Your Business Accounting Team in the Upper Cumberland</image:title>
      <image:caption>We can provide full-service accounting with up-to-date reports and communication so that you know who, what and when. This can be as little or as much as desired. We are skilled in QuickBooks Desktop and QuickBooks Online, to fit the needs of every company.</image:caption>
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      <image:title>Home - Let Your Business Work For You</image:title>
      <image:caption>Let us handle your accounting needs so you can focus on what matters most, your business. We’ve been helping small business’ like yours for years… let us help you.</image:caption>
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    <loc>https://www.sbainc-tn.com/services</loc>
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    <lastmod>2026-01-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ed584587b3b467e3882f256/1594947343874-RNE0EH97553GI69PEA5X/Accounting+in+Cookeville+TN.jpg</image:loc>
      <image:title>Services - Accounting</image:title>
      <image:caption>We can provide full-service accounting and bookkeeping with up-to-date reports and communication so that you know who, what and when. Whether you need us to handle all of your payables, handle all of the bookkeeping, or just help train your staff on procedures and get them organized so they can maintain good relationships with your vendors, we have it covered. Let our team of CPAs and Accounting-Degree graduates work for you. We are skilled in QuickBooks Desktop and QuickBooks Online, to fit the needs of every company.</image:caption>
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      <image:title>Services - Payroll</image:title>
      <image:caption>We provide Direct Deposit or paper checks for employers with weekly, bi-weekly, monthly or other payroll schedules. Don’t worry about payroll tax payments or payroll tax filings. We manage that for our clients also.</image:caption>
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      <image:title>Services - Sales Tax Returns</image:title>
      <image:caption>Tennessee has a complex sales tax for large ticket items. We are skilled and experienced in filing sales tax returns, and can meet monthly or quarterly sales tax needs.</image:caption>
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      <image:title>Services - Tax Planning</image:title>
      <image:caption>We offer tax planning to all of our clients. Knowing how your different income streams are taxed, helps you create a plan that can lead to reaching goals and seeing your vision take shape. You don’t stumble into a good tax plan. Good tax plans are started early in the business process and updated as markets, economy or needs change.</image:caption>
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      <image:title>Services - Annual Forms</image:title>
      <image:caption>We can process W-2s, 1099s, Business Tax Returns, Insurance Audits, Annual Reports, Tangible Personal Property Schedules, or other forms.</image:caption>
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      <image:title>Services - Income Taxes</image:title>
      <image:caption>Taxes are scary to most business owners. We take you seriously. Our approach is different. We feel that the annual tax return flows naturally from the work we’ve done along side of your company throughout the year. This goes hand in hand with the tax planning we offer our clients.</image:caption>
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    <loc>https://www.sbainc-tn.com/team</loc>
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      <image:title>Team - Nicole Howell CPA</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
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      <image:title>Team - Adrian Horning CPA</image:title>
      <image:caption>Adrian Horning is a Certified Public Accountant licensed in Tennessee and New York state. He graduated from the State University of New York - Empire College with a Bachelor of Science in Business, Economics and Finance. In 1999, Adrian began his career with a regional firm in the Buffalo, NY area where he gained extensive experience in payroll and sales tax reporting, income tax work, governmental auditing, financial statement preparation, and general business consulting. In 2019, Adrian joined with another CPA in the formation of their own firm. As a partner in that firm, he participated as a reviewer for the AICPA peer review program. Through his firm, he also gained management experience handling the day-to-day financial affairs of a farmer’s cooperative. Adrian lives in Cookeville along with his wife and two children. He looks forward to using his experience to assist the area residents with their accounting needs.</image:caption>
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