At SMART Business Solutions, Josh Underhill helps small business owners move from being reactive, to driving result and positive change. As a Manager Accountant with a strong focus on business consulting, Josh goes beyond the numbers to help clients understand the story behind their financials and make confident, strategic decisions for growth. Drawing on his diverse experience across both corporate and small business environments, Josh brings clarity to complex challenges - from managing cash flow and structuring operations to improving profitability and long-term planning. His approach is practical, collaborative, and grounded in facts, empowering business owners to take control of their performance and build more resilient, profitable businesses.

As a Manager Accountant with a strong consulting focus, Josh doesn’t just prepare numbers - he interprets them to uncover opportunities, strengthen cash flow, and guide strategic decision-making. His goal is simple: to help small business owners feel confident, in control, and equipped to build profitable, sustainable businesses.

With his calm, analytical approach, Josh bridges the gap between financial clarity and business direction. Whether it’s identifying where profits are gained or lost, building accountability systems, or shaping long-term plans for growth, Josh’s consulting style is practical, collaborative, and grounded in results.

Josh works closely with clients across a wide range of industries, taking the time to understand not just their numbers, but the story behind them. He begins by helping business owners gain a clear picture of where their business truly stands - translating complex financial data into meaningful insights that make sense in the real world. From there, he digs deeper to identify what’s really driving performance, uncovering inefficiencies in pricing, systems, or operations that might be restricting growth or profitability.

Through regular strategy sessions, he brings structure and accountability to the decision-making process, ensuring that progress stays on track and goals remain front of mind. Just as importantly, he’s passionate about helping business owners strengthen their financial literacy - taking the time to explain the “why” behind the numbers so they can make informed, confident choices about their future.

Josh’s calm, methodical approach gives clients the assurance that every decision is backed by fact, not guesswork. He’s particularly skilled at helping owners make sense of financial complexity, bringing structure to uncertainty and direction to growth plans.

Many of Josh’s long-term clients describe him as their “sounding board” - someone who listens deeply, challenges constructively, and offers grounded, actionable advice. It’s a relationship built on trust, consistency, and results.

Beyond his client work, Josh plays a key role in developing the next generation of accountants within SMART. He’s known for his approachable leadership style - one that balances high standards with genuine support. His ability to coach, encourage, and bring out the best in others reflects the same philosophy he applies with clients: clarity, confidence, and growth through understanding.