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Leading Ledgers

Experience is what separates Ledgers from the pack – our experience and yours. We work together to bring more value to small business clients.

Who We Are

  • Steve Rafsky

    Steve Rafsky


    Steve brings 26 years of experience as a franchisee and small business owner, with 15 of those years as CEO of Padgett Business Service.

    “I enjoy working with our franchisees, solving problems, and finding meaningful opportunities to serve small business clients.

  • John Hewitt

    John Hewitt

    Loyalty Brands / Founder & CEO

    Having previously founded both Jackson Hewitt and Liberty Tax Service, John has used his 50+ years of tax experience and remarkable business acumen to develop the next stage in his unmatched franchise success: Loyalty Brands. He’s the foundation our companies’ achievements are built on.