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January 26, 2012
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BIZWATCH: Bottom Line Financial

Date opened: Dec. 28, 2011

Owner: Chris A. Luby

Address: 2829 North Ave., suite 212

Phone: 970-628-4157



What's new or exciting about your place? Bottom Line Financial is a new local business where we offer individual tax preparation and bookkeeping services at competitive prices. What makes Bottom Line Financial exciting is we are focused on serving Grand Junction community's people with disabilities, low-income families, and small business owners. These three groups are what we are focusing on so they will have a sense that a local business cares about their financial needs when it concerns their dealings with the IRS.

What strategy do you use to differentiate your business from your competition? Bottom Line wants to be known as a place where they are treated with dignity and where we are not interested in charging outrageous prices for our services.

What philosophy do you follow in dealing with your customers? What can your customers expect from you? Again, we want to be known as a hometown company that cares about the diverse populations in the Grand Junction community. Customers can expect an atmosphere like going to a neighborhood barbershop where you have a strong sense of community and respect between employees and patrons.

Tell us a little about your background, education, experience: I grew up in Grand Junction and attended GJHS where I graduated in 1991 with magna cum laude honors. From there I graduated in 1995 from the University of Northern Colorado with a Bachelors of Arts in Sociology with two minors in Physical and Special Education.

After various jobs, I took a tax course in 2003 from a national well-known tax service company and worked there for seven years. I had a great time working with my co-workers and clients. Unfortunately, though, my disability benefits kept getting messed up from me working the hours I wanted to work. So I thought by opening my own business I can regulate my own income throughout the year. Also, by opening my own business, I thought I could save my customers a little bit more money on tax preparation and bookkeeping services.

What is the most humorous thing that has happened at your business since it opened, or since you owned it? After I worked on my business plan for hours on end and getting my business plan approved by Colorado's Division of Vocational Rehabilitation who allotted me with $5,000 to get my business going, my plan was approved and I was excited, then about 10 seconds later, I thought to myself, "Oh crap, this is real - I have to make this work!" The thought was like the saying, "Be careful what you ask for, you might get it!"

Do you have a favorite charity or charitable event you support or sponsor? I am very active in the Grand Junction community as far as youth athletics. I have volunteered 11 years at Mesa County Junior Football Association as a head coach for the East Heavyweight Bears. I love football and have been coaching since I was in high school at different levels and I feel I have a lot to offer to middle school kids. Anything I can do to support youth athletics, I feel compelled to support or be a part of.

Also, I try to promote people with disabilities in a good way and I just sponsored an event for the Center For Independence with their Easter Egg event coming up on March 31.

What events, sales or specials do you have planned or going on right now? From this point on, Bottom Line Financial will have specials throughout the tax season. From the middle of January to the first part of February, we will be focusing on low-income families who qualify for the Earned Income Credit (EIC) giving them an affordable fee to E-file their Federal and State tax.

Also going on right now, we are filling out the Colorado Rent and Heating Rebate for only $20. This form is for people who are over 65 or who are 58 years old and have lost a spouse after they had turned 58. This form is also for people with disabilities who have paid rent and/or heating.

From Feb. 15 through Spring Break we will have our student special where college students can file their taxes so they can go have fun during Spring Break without begging their parents for money.

Then for the last month of this tax season, we will be focusing on small businesses so hopefully they won't owe Uncle Sam more than they should. We will help small businesses in Grand Junction at the most affordable rate that we can offer.

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The Post Independent Updated Jan 26, 2012 08:53PM Published Jan 26, 2012 08:52PM Copyright 2012 The Post Independent. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.