What’s Actually Inside an AI Agent Bundle? A Peek Under the Hood, Bundle by Bundle

 

Yesterday a CPA with 30 years of experience emailed me a fair question. He liked the sound of one of our bundles, but said, more or less: “You don’t tell me what’s in it, and I have to buy it to find out.”

He was right. So today, no pitch. Just the tour: what an AI agent actually is, what comes inside a bundle, what one looks like when you use it, and how to pick the bundle that fits the work you do.

GOOD NEWS: you don’t have to buy anything to see one in action. You can claim a FREE agent and run it on a real task this week.

First, what is an “agent”?

Each agent is a single file that opens in your web browser. No login, no software to install, and nothing connects to QuickBooks or your bank. Here’s how every one of them works:

1. Open it. Double-click the file. It opens in your browser.
2. Fill in the facts. The period, the threshold, what’s missing, the client’s situation. Use client codes and roles, never Social Security numbers, EINs or account numbers.
3. Get the draft. Some agents build the finished output right on the page. Others build a detailed prompt you paste into any LLM (ChatGPT, Claude, Gemini, Copilot).
4. You review and decide. Everything is a draft. Tax rates, legal rules and thresholds are entered and checked by you, never hard-coded.

Think of it as the best checklist and first draft you’ve ever had, built by someone who has already done the job a hundred times.

What’s inside a bundle

Every industry bundle has two layers:

• The agents built for that industry. The ones that know a law firm has trust accounts, a church has a housing allowance, and a trucking company files IFTA.
• Core accounting agents. The everyday work every client needs: bank and credit card reconciliations, month-end close, payables, collections, journal entries and cash flow.

Bundles with 20 agents or fewer are $199. Bundles with 21 or more are $249. One-time price, no subscription.

What one looks like in real life

Take the Document Collection Chase Agent, a favorite with bookkeepers. You answer a few questions: the client, the deadline, which documents are missing, how long they’ve been outstanding and the tone you want. Then it builds the whole chase package on the page:

• A ready-to-send email listing exactly what’s missing and by when.
• A firmer version for when the first one gets ignored.
• A follow-up schedule: day 0, day 3, day 7, day 10 and day 14, with what to say each time.
• Phone-call talking points, including what to say when they push back.
• A short log note to paste into your client file.

That’s about ten minutes of work, done in one. Multiply that by every client who “forgot” their bank statement, and you see why bookkeepers like it.

Or take the Reserve Study Funding Analyzer from the HOA bundle. You enter the reserve components, the current balance and the contribution, and your AI returns percent funded, the year the money runs short, three funding options side by side, and a one-page summary a volunteer board can actually vote on.

Pick your bundle

Here’s every bundle with three standout agents from each, so you can see what you’d actually be working with. See every agent in the library here.

For accounting and bookkeeping practices

• Bookkeepers ($199): Bank Reconciliation, Month-End Close, Document Collection Chase.
• Tax ($199): Unified Quarterly Estimated Tax, S-Corp Reasonable Comp Calculator, Sales Tax Filing Prep.
• Payroll ($199): Pay Run Pre-Flight Check, Quarterly 941 Reconciliation, Garnishment Processing.
• Client Onboarding ($199): Engagement Letter Generator, Zero-Touch Onboarding, Welcome Packet Generator.
• Audit, Review and Quality ($199): Workpaper QC, Sample Selection, Materiality Calculator.
• Practice Growth ($199): Proposal Generator, Referral and Review Engine, Niche Positioning and Messaging.
• CFO and Advisory ($199): Budget vs Actual Variance Narrator, Forecast and Scenario Modeler, Client and Service Profitability Analyzer.
• Forensic Accounting ($199): Journal Entry Anomaly Detector, Benford’s Law Digit Analyzer, Fund Flow and Cash Tracing Mapper.
• Accounting Firm ($249): AI Maturity Scorecard, 90-Day AI Implementation Roadmap, AI Risk Governance Policy.

For the industries you serve

• Construction ($199): Job Costing and WIP Schedule Builder, Progress Billing Generator, Retainage Tracker.
• Law Firm ($199): IOLTA Three-Way Reconciliation, Client Trust Ledger and Balance Monitor, Matter Profitability Analyzer.
• Nonprofit ($199): Grant Tracker and Compliance, Statement of Functional Expenses Builder, Form 990 Readiness.
• Therapist and Private Practice ($199): Insurance Payer and EOB Reconciliation, Superbill Tracker, Associate Clinician Fee-Split.
• Church and Clergy ($249): Clergy Housing Allowance Resolution Builder, Year-End Giving Statement Builder, Offering Count and Deposit Controls.
• HOA and Condo Association ($249): Reserve Study Funding Analyzer, Estoppel Certificate Generator, Special Assessment Allocator.
• Real Estate ($249): Rent Roll and Tenant Ledger Manager, 1031 Exchange Tracker, CapEx vs Repair Classifier.
• Restaurant ($249): Third-Party Delivery Payout Reconciler, Tip Tracking and Tip Liability, Menu Engineering and Recipe Costing.
• E-commerce ($249): Amazon Settlement Reconciler, Sales Tax Nexus Reconciliation, Contribution Margin by SKU and Channel.
• Medical and Dental Practice ($249): Production vs Collection Analyzer, Day-Sheet to Bank Deposit Reconciliation, Per-Provider Compensation.
• Hair Salon ($249) and Nail Salon ($249): Booth Rental Income and 1099, Commission and Tech Pay Calculator, Package and Membership Deferred Revenue.
• Farm and Ranch ($249): Schedule F Package Builder, Crop Enterprise Per-Acre Profitability, Prepaid Farm Supplies 50 Percent Limit Checker.
• Trucking and Owner-Operator ($249): IFTA Fuel and Miles Return Prep, Cost Per Mile and Lane Profitability, Freight Factoring Reconciler.
• Manufacturing and Job Shop ($249): Job Cost Sheet Builder, Overhead Absorption Rate Calculator, Bill of Materials and Routing Cost Builder.
• Auto Repair and Body Shop ($249): Technician Flat-Rate Pay Calculator, Repair Order to GL Reconciliation, Parts Matrix and Margin Analyzer.

For business owners

• Small Business Operator ($199): Startup Cost and Cash Runway Calculator, Pricing and Profit Margin Calculator, Quote, Invoice and Payment Terms Generator.
• Marketing ($249): 90-Day Marketing Plan Builder, Social Content Calendar and Post Generator, Google Business Profile and Local SEO Optimizer.

Coming soon: Childcare and Daycare, plus three HR bundles for owners, bookkeepers who offer HR, and HR consultants.

How to pick in 30 seconds

1. Run a practice? Start with the bundle for the work you do most: Bookkeepers, Tax or Payroll.
2. Have a niche? Pick the industry bundle for your biggest client group. It includes the core accounting agents too.
3. Not sure yet? Claim a FREE agent first and see how it fits your workflow.

We’re also adding a “What’s inside” section to every bundle page, with the full agent list and a real sample, so the next person doesn’t have to email to ask. Thanks for the push.

Start FREE

• Claim a FREE AI agent and try it on a real task this week: https://aiaccounting.legacysbc.com/claim-agent
• Join our FREE community, where people share how they’re using their agents: https://www.facebook.com/groups/1024923770013348
• See all the bundles: https://aiaccounting.legacysbc.com/pro-bundles
• Not sure which one fits? Grab 15 minutes with me. No pitch, just your questions.

Your turn: which industry should get the next bundle? Tell us in the FREE community. The most-requested one goes into the build queue.

Here’s to fewer mystery boxes and more first drafts you didn’t have to write.

Yvonne

Has Your Church Board Approved Next Year’s Housing Allowance? 7 Church Accounting Tips for November

 

November is quiet for most small businesses. For churches, it’s budget season. Finance committees are meeting, boards are approving next year’s numbers, and somewhere a church treasurer is wondering why the pastor’s W-2 looks “weird.” (It’s supposed to. More on that below.)

On Friday we released our Church & Clergy Accounting Bundle, so this week’s tips are for the bookkeepers, tax pros and church treasurers who keep the books for churches and ministers. Even if churches aren’t your thing, tips 4 and 7 work for almost any organization.

Quick note: this is general education, not tax or legal advice. Church and clergy tax rules have a lot of “it depends.” Check the details against IRS Publication 517 (clergy) and Publication 1828 (churches), or a clergy tax specialist.

Tip 1: Approve the housing allowance before the year starts

A minister’s housing allowance has to be designated by the church in advance. A resolution passed in March doesn’t cover January through February. That’s why most boards approve it in November or December along with the budget.

Then, at tax time, the amount the minister can exclude from income tax is the lowest of three numbers: the amount the church designated, what the minister actually spent on housing, and the fair rental value of the home (furnished, plus utilities). Anything designated above that is taxable. Tip for the minister: estimate a little high rather than low, because you can’t fix a low designation after the fact.

Tip 2: Set up the pastor’s payroll as “dual status”

Here’s the weird W-2. For income tax, a minister is usually an employee and gets a W-2. For Social Security and Medicare, the minister is treated as self-employed. So the church does not withhold FICA or pay the employer half. The housing allowance stays out of box 1 (many churches show it in box 14 so it’s clear).

The church can withhold income tax if the minister asks for it in a voluntary withholding agreement, and many ministers have a little extra withheld to cover their self-employment tax so April isn’t a surprise.

Tip 3: Remind ministers about SECA and quarterly estimates

Because ministers pay self-employment tax (SECA) themselves, and the housing allowance or parsonage value does count toward it, a lot of pastors get caught off guard. Unless they have extra withholding, they need quarterly estimated payments.

Some ministers have an approved exemption from SECA (Form 4361). It has a strict filing window, it’s based on religious opposition, not cost, and it can’t be undone. If a minister asks about it, that’s a conversation for a clergy tax specialist.

Tip 4: Adopt an accountable reimbursement plan

If the church reimburses mileage, books or conference costs, put an accountable plan in writing and have the board adopt it. The three rules: the expense has a business purpose, it’s documented within a reasonable time, and any excess advance gets returned. Follow those and reimbursements aren’t taxable income. Skip them and they can be. (This one works for any employer, not just churches.)

Tip 5: Keep restricted gifts separate from board-designated money

When a donor gives “for the building fund” or “for missions,” that money is restricted by the donor. When the board sets money aside for a new roof, that’s board-designated, and the board can change its mind. Track them separately, by fund, and log each release when the money is spent the way it was given. Restricted money quietly paying the light bill is the most common church bookkeeping problem out there.

Tip 6: Get giving statements right (and out early)

• Any single gift of $250 or more needs a written acknowledgment for the donor to deduct it.
• The statement has to say whether the donor received any goods or services in return. For churches, that’s usually “intangible religious benefits only.”
• Gifts over $75 where the donor got something back (a dinner, a ticket) need a quid pro quo disclosure with a good-faith value.
• Use donor ID or envelope numbers in your working files. Never paste donor Social Security numbers or addresses into AI.

Aim to send statements in January. Your donors will thank you, and so will their tax preparers.

Tip 7: Count the offering with two people, every time

Two unrelated people count, both sign the count sheet, and the deposit goes to the bank promptly. Then, every week, match three things: the count sheet, the bank deposit and the giving records, with online and text giving included. Differences get investigated, not “fixed.” This protects the money and the volunteers.

Bonus: mission trips and benevolence

Gifts earmarked for a specific named person generally aren’t deductible. Donors can give toward a mission trip and say who they hope it helps, but the church has to keep control of the money and the final decision. Same with benevolence: the church decides who gets help, using a written policy.

A prompt to copy: the housing allowance worksheet

Works with any LLM (ChatGPT, Claude, Gemini, Copilot). Use a role, not a name:

“You are a church bookkeeper helping a minister estimate next year’s housing allowance. Here are the expected housing costs for [year]: [rent or mortgage, utilities, insurance, property tax, furnishings, repairs]. Build a simple monthly and annual worksheet, add a reasonable cushion, and explain the ‘lowest of three’ rule in plain English. Ask me for the fair rental value instead of guessing it. Do not give tax advice; mark anything that needs a clergy tax specialist.”

What we released Friday: the Church & Clergy Accounting Bundle

35 agents: 22 proven core accounting tools plus 13 built just for churches and ministers. It covers both sides: the minister’s own taxes and the church’s books. A few of the new ones:

• Clergy Housing Allowance Resolution Builder, which drafts the board resolution and the estimate worksheet behind it.
• Housing Allowance Exclusion and Fair Rental Value Calculator for the “lowest of three.”
• Minister Dual-Status W-2 and Payroll Setup, so the weird W-2 is the right kind of weird.
• Love Offerings, Honoraria and Pastor Gifts Classifier for the envelope handed over after the wedding.
• Church Chart of Accounts and Fund Setup and the Designated and Restricted Gift Tracker.
• Year-End Giving Statement Builder with the required wording.
• Offering Count and Deposit Controls for the weekly three-way match.

No tax amounts are hard-coded. Rates and limits are things you enter and verify, and every agent flags what needs a professional. See the Church & Clergy Bundle. And coming soon: a Childcare & Daycare Accounting Bundle for tuition, subsidies and food-program reimbursements.

Start FREE

• Claim a FREE AI agent and try it on a real task this week: https://aiaccounting.legacysbc.com/claim-agent
• Join our FREE community, where bookkeepers and treasurers share what’s working: https://www.facebook.com/groups/1024923770013348
• Questions about your church clients? Grab 15 minutes with me. No pitch, just your questions.

Your turn: what’s the trickiest church accounting question you’ve gotten? Share it in the FREE community. The best ones become future tips.

Here’s to a calm budget season and a board that approves the housing allowance on time.

Yvonne