About Us


We work with you on a personal level to determine the best solutions for your unique needs, then leverage our seasoned expertise to achieve the best possible results.


We are your trusted partner in success. Our firm is large enough to offer a full range of professional services at a fair price, but small enough to give you the individual attention that you deserve.


Rest assured that when a need arises, our firm is ready and capable to handle everything for you so you can focus on what matters most to you.

Meet the Staff

Cal Kuphall – President/Owner

Cal is the president and owner of Underwood Tax and Bookkeeping Service, Inc. having purchased the company (formerly know as Underwood Income Tax) from Debbie and Rick Rigdon in the fall of 2013.  He is thrilled with the opportunity to own and operate the business because of its outstanding reputation and the quality of the staff.  Underwood has been around since 1945 and is very well known in the Indianapolis and surrounding area.

Cal has eight years of tax experience including two years as manager of a local tax office.  His passion is in helping tax cients with their needs, guiding them as their situations may change,  and working closely with small businesses.  Having started an event and corporate sponsorship business and serving as a managing partner in a fund raising company, he knows the challenges associated with a small business.

Cal spent many years in collegiate athletics as an administrator.  He worked at five college institutions around the country managing, marketing, and budgeting sport programs.  If you want to talk college or pro sports, Cal will talk all day with you.  And if you like the Green Bay Packers he’ll buy you a soft drink.

The goal of Underwood Tax and Bookkeeping Service, Inc  is to gain the confidence of all clients that we can not only prepare and file their indvidual and business tax returns, but, to play an integral role in the planning of their future tax needs.

Cal will personnally make sure that all clients meet with a tax professional at Underwood Tax and Bookkeeping Service, Inc. who can meet the needs of each individual client.

Anna Gardner – PTIN Registered Tax Return Preparer

Anna has over 30 years of tax experience including eight years with Underwood Tax and Bookkeeping Service, Inc.  Anna’s experience with personal tax returns ranges from the simplest to the most complicated.  If there is a question we can’t answer she is our go-to person when it comes researching the IRS and the state of Indiana for tax updates and information to benefit our clients.  Anna has completed the IRS Annual Filing Season Program.

Anna has seven years of bookkeeping experience with William Ritchie Incorporated. Couple that with her 30 years of tax preparation experience you can be assured she can take care of your personal and business tax preparation needs. From simple returns to the complicated, Anna can meet your needs.


Barbara Morgan – Secretary / Receptionist / Efile Transmitter

Barbara has been with the firm over 10 years.  She is the first person our clients meet in the office or talk with on the phone.  She handles all client requests during the busy tax season.  Her responsibilities include electronic filing of tax returns, coordination of office/client files, completion of 1099’s for corporate clients, and office management.  Even though tax preparation is not part of her responsibilities, she attends continuing education classes annually to better serve our clients.

Victor Ruthig

Vic has joined Underwood tax and Bookkeeping Service, Inc. after 13 years owning his own tax business.  Vic specializes in the more difficult corporate and personal tax returns.  He is an expert in solving client issues with the IRS and the Indiana Department of Revenue. Vic also works out of an Avon office making it convenient for our southwest side clients.

Laura Smith

Laura has joined the Underwood Tax and Bookkeeping Service team this year.  She has five years of tax experience.  She has assisted clients with their personal tax return at all levels of complexity. Laura owns and operates a farm in Anderson, Indiana specializing in organic and natural products.  She sells her products at farmer’s markets around central Indiana throughout the summer.  She likes being creative by baking artesian breads, muffins, and other baked goods which she sells alongside the produce she sells at the farmer’s market.  She raises full size dairy goats and is interested in starting a herd share program at her farm.

Our Partnership

Underwood Tax and Bookkeeping Service, Inc.  and Advanced Accounting and Business Services(ABAS)  are partnered in providing leading personal tax return, accounting, and bookkeeping services.  ABAS was formed by Steve Taylor (CPA) in 1996. ABAS has a staff of three with extensive experience in tax preparation.  ABAS has grown from one client to over 600 clients.  ABAS is known for its quality service in personal tax return preparation and the attention to detail in corporate tax preparation and bookkeeping services.