About us
Vail Financial Services, a Kingstone company, is a team of professionals working towards a common goal—to build your ideal future through custom solutions and a people-first approach. Our mission is to shape the future of accounting by simplifying work, boosting productivity, and empowering you to build wealth for your ideal future. We function as your in-house accounting team, giving you the time to focus on your business goals.
Lindsay Gremmer, CPA
Lindsay Gremmer, CPA, owner of Vail Financial Services, obtained her Bachelor of Science in Business Administration with an emphasis in Finance from Colorado State University in 2000. From there, she went to work for a regional public accounting firm, Kennedy and Coe, and worked her way up to Senior Accountant. In 2007, Lindsay obtained her Certified Public Accountant’s license with the state of Colorado. In 2008, Lindsay, her husband Shane, and son Logan, moved to the Vail Valley from Northern Colorado. Shortly after the move, Lindsay purchased Vail Financial Services. In her spare time, Lindsay enjoys spending time with her family, hiking, biking, paddle boarding, camping and many other various outdoor activities.
Georgia Harper
Georgia Harper is a seasoned financial professional with more than a decade of experience in accounting and financial leadership roles. Throughout her career, Georgia has held various positions in the finance sector, demonstrating her versatility and commitment to financial excellence. A graduate of Oklahoma State University, Georgia’s diverse experience spans a variety of industries, including manufacturing, food production, and oil and energy. In her spare time, she enjoys traveling and trying new things with her husband and two children.
Monica Armendariz
With over 15 years of accounting experience, Monica Armendariz brings deep expertise and reliable service to every client. At Vail Financial Services, she is known for her precision, efficiency, and personalized support—helping businesses across industries navigate complex financial challenges with clarity. A graduate of Kaplan University, Monica specializes in multi-client accounting, full-cycle bookkeeping, financial reporting, budgeting, and tax compliance. She is highly proficient in QuickBooks, Xero, and NetSuite, and has a strong track record of improving financial processes while ensuring regulatory compliance. Collaborative and client-focused, Monica is committed to delivering meaningful results. Outside of work, she enjoys time with her husband and three children at car shows and sporting events.
Xiomara Caballero Hernandez
In Xiomara Caballero Hernandez’s role at Vail Financial, the ability to engage in critical thinking and problem-solving stands out as her favorite aspect of the job. Whether it's diving into complex challenges or finding solutions, she thrives on making the numbers work. A member of the Vail Financial team since 2022, Xiomara is currently pursuing a bachelor’s degree in business administration with a minor in accounting. Born and raised in the Vail Valley, she has a deep appreciation for the community and enjoys spending time with family and five dogs. Outside of work, Xiomara finds joy in reading and exploring the outdoors.