I disagree as to me they are both needed, but I understand that for some it may not be necessary due to their threat level.Also using entities will create additional costs (creation, maintenance fee) and additional administrative burden to keep its protection veil intact (multiple bank accounts, paperwork trail, tax reporting).

Anyone have a great accountant they could refer me too?

We also set up a competely separate account for the house.

They usually have 24 month zero interest terms and if you sign up for a pro account you can score more discounts and deals.Good luck!

I have my business expenses, living expenses,  financial goals for both business and personal, and the value of my skills all accounted for in my rates.

Great insight, Account Closed!

So you're successful, but now you have $5,000 in your account plus whatever is left of your reserves.

My question is, is there no accountability for the company , FirstClose, that performed the drive by, if there value is so off from reality?

Thank you for the mention, @Alan Rohrer.I agree that being local is not required for an accountant, but is essential for an attorney. 

You'd have to draw on the HELOC and sit with it in your account for enough time that the banks don't look for the origination of it.