About us

Creating clarity in your money story

At Twenty20 Financial Group, we help individuals and businesses navigate IRS and State Representation with the insight of an ex-IRS collector and auditor, Enrolled Agent guidance, and a strategy built around the full financial picture. We also support clients with tax preparation and accounting that bring order to what comes next.

IRS TAX RESOLUTION ❖ ACCOUNTING ❖ BOOKKEEPING ❖ TAX PREPARATION ❖ FORM 656 ❖ OFFER IN COMPROMISE ❖ CURRENTLY NOT COLLECTIBLE ❖ PENALTY ABATEMENT ❖ INSTALLMENT ARCHITECTURE ❖ INNOCENT SPOUSE RELIEF ❖ LIEN WITHDRAWAL ❖ TRUST FUND RECOVERY ❖ WAGE GARNISHMENT RELEASE ❖ IRS TAX RESOLUTION ❖ ACCOUNTING ❖ BOOKKEEPING ❖ TAX PREPARATION ❖ FORM 656 ❖ OFFER IN COMPROMISE ❖ CURRENTLY NOT COLLECTIBLE ❖ PENALTY ABATEMENT ❖ INSTALLMENT ARCHITECTURE ❖ INNOCENT SPOUSE RELIEF ❖ LIEN WITHDRAWAL ❖ TRUST FUND RECOVERY ❖ WAGE GARNISHMENT RELEASE ❖

We are honored to steward

Twenty20 Financial Group was built on a simple belief: people deserve to feel safe talking about money, whether they are facing IRS issues, unfiled returns, bookkeeping challenges, or simply feeling overwhelmed by their financial situation.

Behind every balance due, set of books, and tax return is a person trying to move forward, and it is our honor to help them do exactly that with clarity, compassion, and support.

What We Believe

The numbers matter. The people matter more.

Our Values

We treat clients with empathy and honesty, offering personalized, transparent services. We educate for empowerment, value diversity, and mix humor with humanity to make finance less daunting and more accessible.

Our Mission

To empower clients by transforming their financial management experience through personalized, transparent, and empathetic services, ensuring they achieve financial clarity and growth.

Our Vision

To revolutionize the perception of financial services, making financial management a joyful and empowering experience for all. To be a leading financial partner for businesses, especially those led by people of color.
Meet The Founder

Hi there, I'm Erica Whatley

ENROLLED AGENT • CAD • ACCOUNTANT

I’m the founder of Twenty20 Financial Group, an Accountant, a Certified Audit Defender and an Enrolled Agent authorized to represent taxpayers before the IRS.

Alongside my team, I help individuals and businesses navigate IRS resolution, accounting, bookkeeping, and tax preparation with clarity, compassion, and honest guidance. We believe financial support should feel human, which is why we listen first, lead with kindness, and work closely with our clients to help them move forward with confidence.

Becoming a mother at a young age taught me resilience and the value of working through challenges one step at a time. Those lessons still guide how I serve clients today, helping people feel understood and creating a clear, manageable path forward.

Meet the team

The people handling your books

Ghie Tolentino

Senior Accountant

Junnalyn Burzon

Senior Bookkeeper

Nelly Camacho

Senior Bookkeeper

Silhouette Barbon

Business Administrator
How the work actually unfolds

The books are almost never just the books

Behind every late filing, every unopened envelope, every spreadsheet that stopped getting opened, there is a person who lost the thread for a reason.

Our work begins by listening for that reason.

We’ve walked alongside clients through divorces, separations, the loss of a spouse, the loss of a parent, the loss of a business. We’ve worked with business owners who built something successful and then found themselves frozen when the numbers became overwhelming. We’ve helped people re-enter their finances after years of looking away.

This is what we mean when we talk about financial therapy. Not in place of strategy, before it. We take the time to understand where you are before determining where the numbers need to go. The strategy should fit the person, not the other way around.

It’s also why our firm was built to represent, not simply advise. When the IRS is involved, Erica, our Enrolled Agent, stands between our clients and the agency. That separation is more than procedural. It creates the space people need to look at their situation again without fear.

We believe financial clarity begins with being understood. Everything else follows from there.

– By appointment · Limited intake –

Creating clarity in your money story

Whether you’re navigating IRS debt, preparing for tax season, catching up on your books, or planning for growth, financial decisions become easier when you can clearly see the full picture. The first step isn’t a commitment, it’s a conversation.

Confidential · No obligation · Reviewed within one business day