Ledgers

Number Crunchers are People, Too.

It’s true — we DO love crunching numbers. We love ferreting out errors, streamlining bookkeeping processes and putting your books into perfect alignment. Is that so wrong? But, we’re more than that, too. We’re foodies, and golfers, sci-fi fans and travel buffs. We’re friendly and eager to learn more about your business and how we can make your life easier. Read more more about our versatile staff of number crunchers. Or if you think you’d like to join our great team, check out our job postings, here.


Teresa M. Karlson

Managing Director

“Accurate data helps fuel our clients’ success – and that’s what drives us every day.”

Teresa M. Karlson leads the Ledgers team and ensures each and every client receives timely, accurate data where, when and how they want it. Her 20 years of accounting experience includes knowledge of real estate, wholesale distribution, banking, entertainment, service companies, and non-profit industries. A Xero-Certified Advisor and Quickbooks specialist, Teresa handles setup, training and troubleshooting as well as full payroll, accounts receivable, accounts payable, financial statements and other day-to-day financial support. Teresa is on the board of directors of the Soroptimist International of San Ramon Valley; and treasurer for the Rolling Hills chapter of the National Charity League. Multi-talented, Teresa is also is fluent in reading, speaking and writing Spanish – and cooking up a mean paella.

Contact Teresa

Direct Line: 925-498-6277
Email: teresa@ledgers-inc.com

Josh Karlson

Account Supervisor

“It makes my day when I can put a client’s mind at ease so that they can focus more on their business.”

Josh is a five-year veteran at Ledgers that sees every accounting challenge as an opportunity to help a client. He applies his accounting knowledge and experience to manage the payroll department and provide solutions. His non-accounting fun comes in the form of taking full advantage of the beautiful California scenery with plenty of hiking and biking.

Contact Josh

Direct Line: 925-498-6279
Email: josh@ledgers-inc.com

Kristy Waterman

Account Supervisor

“I want my clients to feel as if I am an extension of their team: knowledgeable and a perfect fit for their business.”

Kristy Waterman applies her extensive business experience to help her clients every day. She goes beyond balancing the books and providing accurate data. Kristy treats each client’s business as her own – always seeking a better and more cost-efficient solution. Outside of work Kristy’s high energy has earned her “fun aunt” status. And, when she’s not cheering for the Fighting Irish of Notre Dame, she can be found soaking up the vitamin D and doing yoga.

Contact Kristy

Direct Line: 585-678-9015
Email: kristy@ledgersteam.com

Francisco Orozco

Accounts Payable Specialist

“I realized that recording expenses and paying bills is really about providing peace of mind. It’s what I want for myself, and my clients.” 

Francisco is one of those rare types of people who loves to create and manage budgets.  As a UCLA graduate with a Bachelors of Science in Mathematics, he’s our resident whiz kid.  He not only understands numbers, but knows how much balanced books and accurate financial data can impact a business. Francisco is also a life long learner. “The more I learn, the more effective I can be at my job, which will allow me to be more accessible and helpful to my clients.”

Contact Francisco

Direct Line: (925) 498-6278
Email: francisco@ledgersteam.com