Accounting should feel a little less overwhelming.

Knowledgeable accounting help that’s professional, practical, and personal.

Northern Bay was created to give individuals and small businesses something that can be surprisingly hard to find: accounting support that is clear, useful, and designed around the way people actually live and work.

Northern Bay is led by Cait Fox, a Certified Public Accountant (CPA) with experience in tax, accounting, bookkeeping, payroll, and small-business advisory work. She has worked with individuals, business owners, and organizations at very different stages.

Meet Cait

CLEAR

Straightforward Answers

PERSONAL

Work directly with a CPA

FLEXIBLE

A modern digital process

Accounting built for the way people work now

Digital-first, not impersonal

Documents can be uploaded securely, questions can usually be handled electronically, and signatures and tax filings can be completed online.

Meetings when they’re useful

You shouldn’t have to take an afternoon off work just to hand your accountant paperwork. If a conversation would genuinely help, we’ll schedule one. Otherwise, we keep things moving.

Clear communication

Accounting can be complicated. The explanation doesn’t have to be. Northern Bay focuses on helping you understand what matters and what needs to happen next.

Small business understands small business

Northern Bay is a small business too. I understand how quickly software, cash flow, paperwork, payroll, taxes, and everything else can pile up.

You don’t have to have it all together

You don’t need perfectly organized books or every answer before reaching out. Helping bring order to the chaos is part of the job.

Local roots. Flexible service.

Northern Bay is rooted in the Chesapeake region, with the technology to work efficiently with clients wherever they are.

Hi, I'm Cait.

I’m the CPA behind Northern Bay.

I started Northern Bay because I wanted to build the kind of accounting practice I would want to work with myself: knowledgeable, straightforward, personal, and designed around the way people actually live and work.

I’m a Certified Public Accountant with experience in tax preparation, bookkeeping, payroll, accounting, and small-business advisory work.

When I’m not accounting:

I run, knit, write, and have a habit of deciding that things are probably more fun if I learn how to do them myself.

NORTHERN BAY CPA

Professional accounting, without making things harder than they need to be.