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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

    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.

  • Mary Jane DeJaager

    Mary Jane DeJaager

    Vice President of Operations

    Mary Jane DeJaager has served as Director of Strategic Resourcing for Loyalty Brands for 2 years. Prior to that she served as Director of Operations. She comes to Loyalty Brands with over 22 years of experience in the Franchise Industry. Her previous experience in franchising includes the areas of Area Representative, Regional Manager of over 150 franchise locations, market research, recruiting and staffing and business development. She is also certified as a 2-15 Health, Life and Annuity Agent.

  • Lisa Baker

    Operations Support Manager

    Lisa Baker has served as an accounting professional in both public and private companies for over 45 years. In addition, she has over 20 years of experience in the franchise industry as a Franchisee, Area Developer and in Operations for franchisors. During her tenure as a Franchisee and Area Developer, she won many awards in both positions for outstanding business performance, service, and growth within the franchise organizations, including Area Developer of the Year and Top Gun Franchisee status. She is a QuickBooks Online certified accountant.