About Us



Lucia is the principal owner of Small Business Accounting.   Her first position was as office manager/staff accountant with a local accounting firm, where she increased her tax knowledge, management & people skills. In 1986, Lucia passed the Enrolled Agent’s exam and opened Small Business Accounting in 1991. By attending 24 hours or more of continuing education annually,  she maintains her EA designation which allows her to represent clients before the IRS.

Lucia works closely with all aspects of the business, but her primary focus is on the client — both as an individual and as a business.  She provides all financial preparation and consultation based on each client’s needs.  Throughout the entire process, Lucia maintains open communication to develop a partnership with her clients to ensure their financial success.

Born and raised in Pittsburgh, Lucia has called Mountaintop home since 1985.  She graduated with a business management degree from Indiana University of PA.  She has two adult sons and two grandsons.  When she’s not busy in the office, Lucia is an avid outdoors person, liking to bike, kayak, play tennis, attend music festivals and travel.  Indoor activities that keep her busy are reading and cooking. Contact Lucia at 570-678-7451.


Sandy is on the front lines at Small Business Accounting.  Most likely the first person a client sees when visiting the SBA office, Sandy has a warm smile and friendly greeting for everybody. She is the office administrator and takes care of the “nuts and bolts” of keeping the office running smoothly.  Longevity and dedication are the trademarks of Sandy’s character as sh has been serving SBA clients and Lucia since 1997.

The Dorrance resident lives with her husband and has three children and a granddaughter.  You can contact Sandy at 570-678-7451.


Nancy joined Small Business Accounting in 2002.  She works for SBA during tax season with Lucia’s guidance as a qualified tax preparer, having passed the Registered Tax Return Preparer’s Exam in 2012.  She is very attentive to detail and researches many situations to be sure that the tax returns she prepares are accurate and complete. In the off tax season, Nancy helps out with various projects as an accounting assistant.  She attends continuing education classes presented by Wilkes University to maintain her credentials and stay updated on any tax law changes.

Originally from New Jersey, Nancy has resided with her husband and son in Mountaintop for 20 years.  You can contact Nancy at 570-678-7451.


Jennifer is a part time staff member at Small Business Accounting and has been serving SBA clients since 2010.  The Penn State MBA graduate has been an Enrolled Agent since August 2012.  Like Lucia, she can also be an advocate for her clients before the IRS.  Even in her part time status, Jennifer prepares an average of 120 tax returns for SBA.  She is always ready for the challenge of finding all possible deductions and works closely with Lucia to achieve the best and most ethical refund.

Jennifer grew up the White Haven area, but now makes her home in Luzerne, PA.  In her spare time, she enjoys tennis, running and reading.

Contact Jennifer at 570-678-7451.

 OUR ASSOCIATE: NICOLE FORD  —  financial advisor and planning specialist at Morgan Stanley Smith Barney      

Nicole is a graduate of Ja S. Sidhu School of Business and Leadership at Wilkes University.  In her post graduate work, she has earned licenses in Series 7& 66 (fixed and variable annuities), as well as as the guided portfolio manager and financial planning specialist designations.

Nicole understands how the needs of a business often overlap the needs of one’s personal life.  She gets to know the client and their business to enable her to address critical financial issues, especially in this current economic situation.  Her goal is to help the client prepare for both the future of their business and the dreams of their family.

In her free time, Nicole is involved in many community activities, horseback riding, fishing, hiking and volunteering her therapy dog.  She can be reached at 570-476-8548.