Led by Joseph T. Kruk, JT Kruk Associates brings proactive tax planning, financial reporting, cash-flow guidance, and business advisory into one personal relationship — with specialized experience serving commercial fishing and shellfish operations.
Serving businesses, individuals, trusts, and estates throughout the South Shore and beyond.
Choose the situation closest to yours and we'll show you the relevant capabilities and the next step.
You want financial information you can act on, not a return that arrives months after the decisions were made. We keep the books current, produce statements you can read, plan taxes before year-end, and stay available between deadlines.
Most of the frustration business owners describe isn't about the return itself. It's about information arriving too late, in a form that doesn't help them decide anything.
When accounting, tax and financial decisions sit with different people — or with nobody in particular — every question turns into a project. We keep them in one coordinated relationship, so the books support the tax plan, the tax plan reflects what the business is actually doing, and the person who prepares your return is the person who knows your business.
We group our work around what clients need solved rather than a long list of separate services.
Bookkeeping, financial statements, QuickBooks implementation and support, internal processes, and recurring accounting.
Learn moreIndividual and business tax planning, return preparation, pass-through entity matters, trusts, estates, retirement plans, and transaction-related tax considerations.
Learn moreInterim CFO support, projections, cash-flow analysis, business planning, and management advisory.
Learn moreIRS representation, acquisitions, financing, business sales, valuation questions, internal controls, and risk assessment.
Learn more
Joe has specialized industry experience working with fishing and shellfish businesses, and Ronald MacDonald, Jr. brings a strong specialization in the same industry across four decades of practice. That experience shapes how we handle the questions these operations actually face.
I spent years in public accounting and in industry, most recently as a Director at a large CPA firm. I saw a lot of good technical work delivered at a distance — accurate returns, thorough statements, and not much conversation in between.
In 2019 I started JT Kruk Associates so I could keep doing the complex work while staying close to the people it affects. That means answering the phone, knowing what changed in your business before the year ends, and being the same person who prepares the return and explains what it means.
A lot of that work happens with owner-operated businesses across the South Shore, including commercial fishing and shellfish operations, where the season, the vessel and the financing all move together. My aim is simple: fewer surprises, clearer numbers, and decisions made with the tax consequences already understood.
“Why proactive tax and accounting guidance matters long before year-end.” This space is reserved for Joe's own recording — no stand-ins, no synthetic presenters. Send us the video file or link and we'll drop it in here.
The firm is deliberately small. Joe leads client relationships; Ronald MacDonald, Jr. contributes deep technical experience where it matters most.
Joe leads every client relationship: the initial conversation, the planning cadence, the scope, and the delivery. He handles complex individual and pass-through entity tax matters, financial statement and QuickBooks work, IRS representation, and advisory work for owner-operated businesses — including fishing and shellfish operations.
Ron has practiced as a CPA for over 40 years, with a strong specialization in the fishing and shellfish industry, complex individual and partnership tax matters, and trust, estate and gift taxation. He has extensive experience representing clients before tax authorities. In 2013 he merged his practice, MacDonald & McEachern, Inc., with Burke & Associates CPAs, Inc.; earlier in his career he worked with a regional public accounting firm. He earned his BS in Accounting at Bentley University.
Joe is your point of contact from the first conversation onward and is accountable for scope, timing and communication.
Ron contributes on fishing and shellfish matters, partnership taxation, trust, estate and gift questions, and representation before tax authorities.
Work is completed and reviewed within the firm before it reaches you. We'll tell you exactly who touched your engagement rather than implying a larger team.
Efficient without being impersonal. You will always know what happens next and who is responsible for it.
A direct conversation about your business, the immediate issue, and the kind of relationship you're looking for.
We collect high-level business, tax and accounting information — no confidential documents at this stage.
Confidential documents move into an approved ClientHub, never email attachments or a public web form.
We evaluate the records, the accounting system, your tax position, or the notice in front of you.
We confirm services, timing, fees, deliverables and how we'll communicate — in writing, before work begins.
Tasks are assigned, access is requested, and deadlines are set so nothing depends on memory.
We deliver the work and hold the planning cadence that fits your situation — not just a filing date.
Documents are exchanged through ClientHub, not email.
About ClientHubMost clients begin with a return or a cleanup project. From there, the relationship deepens only where it earns its place.
Accurate annual filings and clear next steps, with the questions answered before the return is signed.
Scheduled reviews ahead of important decisions and deadlines, so the tax result is a choice rather than a surprise.
Current books, reporting, reconciliations and QuickBooks guidance that management can actually use.
Cash-flow analysis, projections, management support and help thinking through strategic decisions.
Service combinations are customized to the business, the season and the level of support you want. Fees are quoted in the engagement letter after we understand the scope — we don't publish package pricing.
Long-term relationships are the firm's strongest evidence, and several clients have been with Joe and Ron for many years. Rather than post anonymous quotes or invented savings figures, we'll connect you with a reference whose situation resembles yours.
Why fishing operations should plan taxes around the season and the vessel rather than the filing deadline.
A practical approach to bridging the gap between the season's revenue and the year's fixed costs.
How the timing and financing of an equipment purchase changes its tax and cash-flow effect.
Bring tax planning, accounting, cash-flow guidance and business advisory into one relationship with JT Kruk Associates.
