cfo, controller &

full book-keeping services

Handling wide variety of clients from different industries including

  • Retail
  • Non-Profit
  • Real Estate &
  • Food Service

ABOUT US

At Prudent Accountants, we are dedicated to helping small and medium-sized businesses thrive by providing seamless, integrated financial services.

Founded in 2007 in the Twin Cities, we recognized a significant gap in the market: small businesses often had to juggle fragmented solutions for bookkeeping, payroll, tax filings, compliance, and financial planning. This disjointed approach led to inefficiencies, conflicting advice, and missed opportunities. We knew there had to be a better way.

Our Solution

We created a one-stop shop that combines the competencies of a large firm with the personalized service and affordability of a small-town accountant. Whether you need compliance services like bookkeeping and payroll or strategic support to grow your business, we tailor our solutions to meet your unique needs.

At Prudent, we developed a client-centric model where each business is matched with the right accountant through a single point of contact (SPOC). This ensures clear communication, continuity, and accountability, while a team of specialists supports the SPOC, providing expert services across accounting, payroll, tax strategy, and advisory.

Think of us as "therapy for your business"—guiding you with care, attention, and expert advice, so you can focus on what you do best: growing your business.

Our Philosophy

We believe that fragmented services are the worst decision a business can make. Our philosophy is simple:

"Double the value at half the price."

By delivering superior service and demonstrating hidden value, we help clients grow with us—from basic compliance to strategic advisory.

Our Experience & Future Growth

With over 17 years of experience, we’ve built a reputation for delivering top-tier solutions without the big-firm price tag. Whether you're a local startup or an international operation, our dedicated team is here to provide the guidance you need.

As we continue to expand our presence into Dallas and beyond, we remain committed to innovation and continuous improvement.

Why Prudent Accountants?

At Prudent Accountants, we are not just an accounting firm—we are your strategic partner, dedicated to helping your business succeed.

Welcome to seamless financial management with unmatched value.

Meet Our Founders

When M. P. Singh and Rai Kharal started Prudent Accountants in 2007, they shared a simple but powerful belief: small businesses deserve big-firm expertise without the big price tag. After countless conversations with local business owners frustrated by complicated services and high fees, they knew there had to be a better way. Their vision was to create a firm that combined professional know-how with a neighborly touch—keeping things straightforward, reliable, and valuable. At Prudent, we’re proud to be your trusted accounting partner, providing practical solutions that make a real difference.

M. P. Singh, CPA – Co-founder & CEO

M. P. Singh is a big-picture thinker who cuts through the noise and stays laser-focused on results. Having been a corporate leader, he wanted to bring to fruition a place where he could help small businesses plan for long-term success. He applies proven financial models and tax strategies that get results—no fluff, just clear paths to growth. M. P. has a sharp eye for how all the pieces fit together, ensuring the Prudent team focuses on what matters most: helping clients make decisions today that lead to wins tomorrow.

M. P. doesn’t believe in overcomplicating things. His leadership is all about actionable strategies that deliver real impact, balancing practical advice with big-picture vision. For M. P., business advice isn’t theory—it’s a roadmap to real-world results. "Our job is to help you see the full picture and build a strategy that truly fits your needs." – M. P. Singh

Rai Kharal, EA, FAIA – Co-founder & Tax Partner

Rai Kharal believes that behind every successful business is a smart tax strategy. With years of experience and a genuine passion for tax planning, Rai ensures Prudent’s clients receive personalized advice exactly when they need it. He views a well-timed, well-planned tax strategy as more than compliance—it’s a growth opportunity businesses can’t afford to miss.

Rai takes pride in personally getting to know clients and their businesses, and cultivating the same approach within Prudent's team members. His leadership guides the Prudent team to deliver tailored tax strategies that genuinely make a difference. For Rai, tax advice isn’t just about numbers; it’s about building relationships where clients feel supported, confident, and ready to grow.

"A good tax plan doesn’t just save you money—it helps your business grow." – Rai Kharal

Our Approach

At Prudent Accountants, we:
  • Keep it Simple: Straightforward solutions without unnecessary complexity.
  • Offer Fair Pricing: High-quality services without the big price tag.
  • Build Real Relationships: Taking the time to know you and your business.
  • Provide Practical Strategies: Plans designed for today and built for the future.
With M. P. Singh and Rai Kharal at the helm, Prudent Accountants continues to be the partner small businesses can trust—year after year, goal after goal.