Author Archives: cozbycpa

About cozbycpa

Heather L. Cozby is a CPA on the South Shore and Cape Cod. The managing partner of Cozby & Company, LLC, Heather has the resources and experience necessary to provide quality professional services on a timely basis and at a reasonable cost. She specializes in tax planning & preparation; audit, review & compilation services; management advisory services; bookkeeping; and accounting. Her unique niche is in working with homeowners’ associations and condominium trusts, advising with rental real estate, and providing outsourced financial consulting for mid-sized companies. She is more entrepreneurial than most accountants, and offers the best of both worlds - providing the services of a larger firm while retaining the ability to connect with her clients on a personal level.

The Fastest Way to Pay off Debt

Getting out of debt is the dream of millions of Americans every year. But sometimes the reality of becoming debt-free is still in the dream phase. Some steps are more effective than others in tackling this huge financial situation. Before … Continue reading

Posted in Debt, Personal Finance, Planning Strategies | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

The Confusing World of Credit Scores

Credit scores are extremely important. They are, in a way, your financial life-line to borrowing money. But credit scores are actually a whole lot more than that. Your score can determine whether or not you can rent an apartment and … Continue reading

Posted in Credit, Personal Finance | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment

If / Then Scenarios for Taxpayers Who Get Phished

The IRS reminds taxpayers that the agency does not initiate contact with taxpayers by email or text messages to request personal or financial information. This includes requests for PIN numbers, passwords or similar information for credit cards, banks and other … Continue reading

Posted in Data Security, IRS | Tagged , , , , , ,

5 Money Tips For Millennials

In the world of millennials, it often times seems hard to look forward because of the mountain of student loan debt and credit card balances that consume much of a monthly budget. But the fact is, it is extremely important … Continue reading

Posted in Personal Finance, Planning Strategies | Tagged , , , , , , , , , , , , , , , , , , , ,

Charities Can Visit for Tools and Resources about Taxes

Charitable organizations and other tax-exempt groups can visit for resources that will help them meet their tax obligations. Here is a list of resources with links to the information on

Posted in Charitable Organizations, IRS, Non Profits, Tax Tips, Taxes | Tagged , , , , ,