Meet
Charmaine Apa
Founder of Dreamforge Advisory and your guide to financial clarity.
Mission Statement
Our Mission
We help small business owners move from financial
overwhelm to peace of mind.
Dreamforge Advisory was created to bring calm, clarity, and
customized systems to entrepreneurs who are tired of being
behind on their books, confused by taxes, or afraid of getting
in trouble.
You don’t need to figure it all out alone. We build systems that
make sense and walk with you step-by-step until your
finances are working for you—not against you.
A Message from
Charmaine
I started my accounting career at a small boutique CPA firm in 2007. Since then, I’ve helped more than 200 business owners and individuals untangle their finances, resolve back taxes, and build accounting systems that actually fit their business model.
What I saw again and again was this: people weren’t failing at finances—they were just overwhelmed, uninformed, or trying to do everything on their own. That realization inspired me to create DreamForge Advisory, a safe space where small business owners can get real help—without judgment, confusion, or stress.
I’m here to walk with you from confusion to clarity, one step at a time. Together, we’ll create a plan that makes sense, moves at your pace, and gives you the confidence to move forward financially and strategically—with full support.
Experience & Credentials
Why Work With
Dreamforge?
Over 200 accounts managed since 2007
Specialized in helping small business owners get compliant
and stay that way
Hands-on support, not just software
No jargon, no judgment—just results
We meet you where you are, no matter how messy things feel
How We Help
A Simple Path to
Financial Confidence
Clarity
Everyone deserves to understand
their finances in plain language.
Compassion
You won’t be judged for being behind.
We’re here to help you move forward.
Consistency
Progress doesn’t happen overnight—but
with a clear plan, it does happen.
Let’s Build a System That
Works for You
You don’t have to stay stuck. Let’s talk about where you are, where you want to be,
and how we can help you get there.
