Janine Kiriluk of Lumberton NJ has been in the accounting and finance field for almost 30 years. After graduating from Rider University in 1989, with a BS degree in Accounting she started her financial career as a Supervisor in the accounting department at Merrill Lynch/State Street Bank. This position provided a strong foundation, not only in the world of accounting, but in business as well. In 2004, she felt the need to branch out and create a business on her own terms. Over the next 8 years she created, owned and ran, two consumer-to-consumer businesses, both of which were sold at a profit. During this time, continuing to have a strong interest in the financial arena, she also took on various bookkeeping clients. In 2013, she realized that her true interest, as well as strength, was in the numbers of business. As a result, she transitioned her bookkeeping side-business into a full-time career, and created Janine’s Bookkeeping LLC. After realizing she provided financial support in all area’s of her clients businesses not just bookkeeping she felt it appropriate to rebrand her business in 2018 to exemplify what her value is to her clients and JB Financial Associates was born.