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About The Team


Pam Saul

Certified Bookkeeper, Certified QuickBooks ProAdvisor

Pam Saul, the founder of Saul Bookkeeping, has over 30 years’ experience with bookkeeping needs having started with her family’s business in Montgomery County.  


Pam realized the need for knowledgeable and skilled bookkeeping services for businesses that wanted professional help but didn’t need a fulltime person doing the books. She created Saul Bookkeeping as a customized bookkeeping business to help those business owners.


Pam serves on many boards and organizations including:

  • Montgomery County Soil Conservation District – Treasurer

  • Maryland Agricultural & Resource-Based Industry Development Corp (MARBIDCO) –

  • Past Chairman, current member Loan Review Committee

Pam is also a Certified Bookkeeper with the American Institute of Professional Bookkeepers (AIPB) and a QuickBooks Pro Advisor. 


These positions give Pam a unique perspective on the pulse of current business trends and services to give support to her clients. Along with her expertise in small business accounting, Pam is an excellent resource to help business owners in a team-supported environment.

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Andrea Howren

Account Manager

Andrea Howren is a mother of 5 living in central Louisiana and has been a bookkeeper for 10+ years. She has experience with QuickBooks Online and QuickBooks Desktop. She is very organized and does her best to help those around her. She enjoys spending time with her kids, garden, pets, and being outdoors.


Cathleen “Cat” Marose

Account Manager

After graduating from Salisbury University with a BS in Business Management, Cat worked for Snyder Communications, Home Warranty Company, and dabbled in real estate. Cat tackles all bookkeeping related projects with enthusiasm, including everything from reconciling bank accounts to managing payroll.


When not working, Cat spends time with her family and enjoys volunteering at several local organizations.


Margaret Rizzo McKelvy

Project Coordinator

A graduate of the University of Maryland, College Park, Margaret holds B.A. degrees in Public Relations and American Studies. As our Project Coordinator, Margaret will work closely with us to ensure and improve upon our high standards of care for all our clients.


Margaret’s diverse work background has allowed her to use her skills in public relations and business development to build her own business from the ground up. No project is too small or too large, and Margaret prides herself in making sure that every ‘i’ is dotted and every ‘t’ is crossed. Margaret also boasts an extensive career in competitive equestrian sports, spanning many years.

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Michelle Davis

Account Manager

Michelle Davis is a graduate of the University of Florida with a BS in Business Administration. She has over 10 years experience in various finance and accounting roles. As a QuickBooks Pro Advisor, she enjoys tackling the most complex situations to provide clear and organized financial data to help small business reach their greatest potential. When she is not working, Michelle enjoys spending time with her husband and 3 daughters, coaching youth volleyball and going to the beach. Her favorite place is the beach or anywhere outside!


Sheila Hykes

Account Manager

Sheila Hykes joined Saul Bookkeeping in August 2019. She has a background in various accounting roles, including Project Accountant for an Engineering firm, Cost Accountant, and Bookkeeper for a CPA.


She has over 20 years of experience in the accounting field, and is currently working towards becoming QuickBooks Online Certified and Desktop 2020 Certified. She graduated in April 2019 with an Associates degree in Accounting from Liberty University. 


Sheryl Sutherby

Account Manager

A graduate of the University of Maryland, University College with degrees in Computer Science and Business Administrations, Sheryl brings many years of experience in the horse show world to use when working with our equine-related clients.


A longtime friend, Sheryl has been part of the Rolling Acres family for almost 20 years and expanded her role into F&EBS several years ago. Prior to working for Rolling Acres, Sheryl worked at UPS and brings a great deal of efficiency to our team. Her experiences allow her to bring out the most important information for you, the business owner.

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Theresa Green

Account Manager

Theresa Green has over 10 years of experience in various bookkeeping roles with both non-profit and for-profit businesses. She brings a level of calm and insightful thinking to a fast-paced environment all while staying organized. When she is not working, she enjoys spending time with her husband, her 3 kids, and partaking in kayaking and camping! 

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