Redefining what accounting feels like.
We help creatives, entrepreneurs, and modern earners build financial systems that support their goals.
Through our two specialized divisions, Red Letter Bookkeeping & Accounting and Red Letter Tax, we provide clear, reliable financial guidance for businesses and individuals.
Our Story Begins with a Passion for People and a Purpose Beyond Numbers
Founded by Charmaine Dawson, MAFM — strategist, advocate, and systems builder — Red Letter was created to serve people who deserve financial guidance that feels human, accessible, and judgment-free.
After years of rebuilding departments, navigating audits, supporting production teams, and helping entrepreneurs stabilize their finances, Charmaine saw a gap: Most accounting firms were built for traditional business models, not creatives, solo entrepreneurs, multi-stream earners, or everyday families trying to make smart financial decisions.
Red Letter was built to change that.
Our Structure
Red Letter Bookkeeping & Accounting
Our business division serves creatives, solo entrepreneurs, gig workers, and multi-stream earners.
We provide monthly accounting, cleanups, CFO guidance, and financial systems to help you stay organized, compliant, and confident as you grow.
Red Letter Tax
Our tax division serves middle-class earners, high-income households, retirees, and first-time filers.
We offer tax preparation, year-round advisory, and strategic planning to help you keep more of what you earn without paying more in taxes than necessary.
Our Philosophy
Red Letter Accounting LLC is a non-CPA-owned firm offering high-impact financial services without the overhead or rigidity of traditional CPA practices.
Our team brings decades of experience in corporate accounting, tax strategy, and compliance, with a commitment to precision and transparency.
What sets us apart is how we show up: with respect, clarity, and the tools and knowledge our clients need to thrive.
Our Mission
We build frameworks, tools, and relationships that create lasting value. We champion financial literacy, support modern earners, and help clients avoid paying more in taxes than necessary.
Whether you're launching a business, managing multiple income streams, planning for retirement, or filing for the first time, Red Letter is here to help you move forward with confidence.
Meet Our Team
Your partners in clarity and growth.
Charmaine Dawson, MAFM
Founder | Principal Accountant, Red Letter Accounting LLC
Division Lead | Red Letter Bookkeeping & Accounting | Red Letter Tax
Charmaine Dawson is a systems-minded accountant, creative, and mother of four whose family inspired the heart behind Red Letter. Three of her children are artists — a published writer, a visual artist, and a singer-songwriter — whose experiences revealed the need for financial clarity and support in creative careers. A visual artist herself, trained at a school for the arts, Charmaine understands firsthand how creativity and business intersect.
Her career spans corporate accounting, multi-entity operations, fixed asset management, and compliance leadership. After returning to the workforce as a homeschooling mother, she earned her Master’s in Accounting and Financial Management and discovered her gift for rebuilding departments, stabilizing operations, and creating order out of chaos.
Charmaine founded Red Letter Accounting LLC, a virtual firm providing creatives, solo entrepreneurs, families, and multi-stream earners with clear, supportive, and judgment-free financial guidance. Today, she leads both divisions — Red Letter Bookkeeping & Accounting and Red Letter Tax — with the same care and advocacy she brings to her family.
Outside of work, Charmaine enjoys reading, painting, drawing, traveling, and supporting her children’s creative pursuits.
Sandra Morno, MBA, EA
Tax Manager | Strategic Planner | IRS Enrolled Agent
Owner, SSMB Consulting — Expat Tax Advisory & Preparation
With over 16 years of experience in tax law, Sandra Morno transforms tax planning from a source of stress into a strategic advantage. As an IRS Enrolled Agent, she helps entrepreneurs, expats, and small business owners protect their earnings, reduce surprises, and stay compliant.
In addition to leading Red Letter Tax’s Tax Department, Sandra owns SSMB Consulting, specializing in expat tax advisory and international returns for U.S. citizens abroad, global entrepreneurs, and cross-border families.
Sandra’s approach is rooted in respect, clarity, and proactive strategy. Her passion for tax planning began when an unexpected IRS bill changed her perspective. Today, she helps clients avoid that same uncertainty through thoughtful planning that delivers peace of mind.
Outside of work, Sandra enjoys traveling, red wine, college football, and people-watching in new cities or hosting game nights with friends.
Kayla D.
Certified Bookkeeper & Administrative Assistant
Client Support Lead, Red Letter Accounting LLC
Kayla brings a decade of leadership experience directing children’s ministries and preschools, where she developed strong organizational, communication, and people-centered service skills. As a Certified Bookkeeper and Administrative Assistant, she supports client onboarding, communication, daily operations, and a select group of bookkeeping clients.
A wife, mother of three, and lifelong learner, Kayla brings warmth, enthusiasm, and positivity to every interaction. Her dedication to organized systems and attentive service helps create the welcoming, relationship-centered experience Red Letter clients value.
Naomi D.
Social Media Manager
Digital Storytelling | Creative Strategy Lead, Red Letter Accounting LLC
Naomi is a multitalented creative with a passion for music, storytelling, and digital connection. She has studied Music Business at Georgia Highlands College, Singer/Songwriter at Middle Tennessee State University, and Music Production at the Atlanta Institute of Music & Media, building a foundation in both the artistic and business sides of the industry.
As Red Letter’s Social Media Manager, Naomi oversees its digital platforms, blog, newsletter, and promotions. She brings a fresh, imaginative perspective to her work and enjoys turning her love for social media and creativity into a career.
An avid traveler and lifelong Michael Jackson fan, Naomi draws inspiration from music, innovation, and global culture, bringing curiosity and creative energy to the Red Letter team.
Jose Vargas
Fall Intern
Client Support Lead, Red Letter Accounting LLC
Jose is a senior Accounting major at Rutgers Business School, graduating this fall and on track to be CPA-eligible in 2026. Originally from Colombia, he brings discipline, curiosity, and a strong eagerness to learn as he supports reconciliations, reporting, and internal projects across Red Letter.
A sports fan who loves football, baseball, paintball, and cars, Jose’s energy and attention to detail show up in both his work and his interests. His drive to grow and his commitment to accuracy make him a valuable part of the Red Letter team.
