Winther, Stave & Co., LLP

Winther, Stave & Co., LLP Winther, Stave & Co., LLP is a full-service accounting firm.

Winther, Stave & Co., LLP is a full-service accounting firm with offices in Spencer and Milford, IA dedicated to providing our clients with professional, personalized services, and guidance in a wide range of accounting, tax, and business advisory services. With over 300 years of combined experience, our team of professionals will provide financial solutions tailored directly to your needs.

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, r...
09/07/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

With back-to-school season here, we are sending our warmest wishes to all of the families in our network. We hope each o...
09/01/2026

With back-to-school season here, we are sending our warmest wishes to all of the families in our network. We hope each of you has a wonderful start to the new school year.

And if there is anything you would like to discuss before the end of the year, please don't hesitate to reach out to us. We are here to help.

Behind every smooth-running business are bookkeeping and payroll tasks that are handled with care. These behind-the-scen...
08/31/2026

Behind every smooth-running business are bookkeeping and payroll tasks that are handled with care. These behind-the-scenes details may not always be visible, but they play a big role in keeping everything on track.

We’re here to help business owners keep their books organized, keep payroll running smoothly, and feel confident in their numbers.

If you’re looking for help with your bookkeeping and payroll, don’t hesitate to reach out to our team.

Life doesn't stay the same — and neither does your tax picture. If something major changed for you this year, it's worth...
08/14/2026

Life doesn't stay the same — and neither does your tax picture. If something major changed for you this year, it's worth taking a closer look now rather than waiting for tax season to bring the surprise. Swipe to see six common life events that could affect your taxes.

Have questions about how a recent change may affect your taxes? Give us a call. We're happy to help.

One unhelpful bookkeeping myth stems from a helpful tool: accounting software. Many people assume that their accounting ...
08/07/2026

One unhelpful bookkeeping myth stems from a helpful tool: accounting software. Many people assume that their accounting software does all the work for them, but that’s not always the case.

Software can be extraordinarily helpful, but it doesn't replace human oversight. Accounting platforms automate tasks, but they need accurate inputs and setup. If you miscategorize transactions, allow duplicates, or skip reconciliation, the software could potentially yield incorrect reports.

If you’re looking to bring a human touch back into your bookkeeping process, don’t hesitate to give our team a call. We are here to help you manage your back office.

Most business owners know that financial data plays an important role in running a successful company. Whether you're mo...
07/31/2026

Most business owners know that financial data plays an important role in running a successful company. Whether you're monitoring day-to-day performance or evaluating future opportunities, having a clear understanding of your numbers can help support informed decision-making.

That's why we're sharing a few business accounting terms that are worth revisiting. See below for a few key accounting terms:

⚫Equity: Equity represents the owner's interest in the business after deducting liabilities from assets.
⚫Debt-To-Equity Ratio: This ratio compares debt financing to the equity an owner holds in a business.
⚫Reconciliation: Reconciliation is the process of comparing a business's financial records to ensure they match supporting third-party documentation, such as bank statements.
⚫Retained Earnings: Retained earnings are profits that remain in the business rather than being distributed to owners.
⚫Liquidity: Liquidity measures how easily a business can meet short-term obligations using available assets.
⚫Return On Investment (ROI): ROI measures the return generated from an investment relative to its cost.

Whether you have questions about tax strategy, business growth, or day-to-day financial decisions, our team is here to provide guidance and support. If there's ever anything we can help you navigate, don't hesitate to reach out. We're always happy to be a resource.

Running a business comes with enough moving parts, and back-office tasks can quickly fall to the back burner. That’s why...
07/24/2026

Running a business comes with enough moving parts, and back-office tasks can quickly fall to the back burner. That’s why outsourcing payroll and bookkeeping can help reduce administrative stress, keep records organized, and give you clearer insight into your finances. Swipe for more ways outsourcing payroll and bookkeeping can help your business.

Have questions or need support with bookkeeping and payroll? Call our office today. We’re here to help keep your business on track.

❓Have you made contributions to charity this year? Are you considering making more? If so, it’s important to be familiar...
07/21/2026

❓Have you made contributions to charity this year? Are you considering making more? If so, it’s important to be familiar with the tax rules so you can maximize your tax benefit — or at least avoid finding out at tax filing time that your charitable deductions are smaller than you expected.

What you donate affects how much you can deduct and the limits that apply. For example, cash donations are generally deductible up to 60% of adjusted gross income (AGI) while property donation deductions are typically limited to 30% or 50% of AGI. And nonitemizers can deduct only cash gifts, subject to a $1,000 limit ($2,000 if married filing jointly).

Many additional rules apply. Contact us with questions.

Accounting terminology can feel like a foreign language, but understanding a few key terms can make a real difference in...
07/17/2026

Accounting terminology can feel like a foreign language, but understanding a few key terms can make a real difference in how you manage your income and investments throughout the year. Getting familiar with common terms like AGI, cost basis, and EITC now can help put you in a stronger position down the road. Swipe through for three terms worth knowing.

Have questions about any of these terms or how they apply to your situation? Drop a comment or send us a message. We would love to help!

If there is one financial tool every business owner should understand, it is the general ledger. It is the master docume...
07/10/2026

If there is one financial tool every business owner should understand, it is the general ledger. It is the master document that ties all of your financial activity together, and keeping it accurate is one of the most important things you can do for your business's health.

Swipe through for a straightforward breakdown of what the general ledger is, how it works, and why it matters.

We hope you found this breakdown helpful! As always, if you have any bookkeeping questions or would simply like help with your back office, don’t hesitate to reach out. We are here to be a resource for you.

Address

1316 West 18th Street PO Box 175
Spencer, IA
51301

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

(712) 262-3117

Website

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