J. Michael Stephens, CPA

Email: mstephens@rubino.com

I work closely with my clients to provide a practical, understandable approach to the audit process to ensure that we not only provide them with audited financial statements, but that they learn something from the engagement that can help them in the operation of their organization.


Mike is a shareholder of Rubino & Company and serves as a member of the firm’s Executive Committee. He has been in the accounting profession since 1985.

With more than 30 years of experience in public accounting, Mike has been involved with a broad spectrum of industries, including governmental, quasi-governmental, and nonprofit organizations with a specialty in the public housing industry. This experience provides him with unique perspectives and insight into all aspects of the financial well-being of his clients. Throughout his career, Mike has developed extensive in-depth knowledge and experience in nonprofit and state and local government audit and accounting services. Mike is also well-versed in audits in accordance with the Uniform Guidance, and has managed, planned, and performed compliance audits for a variety of public sector organizations. These organizations are unique in that they include aspects of both for-profit and public sector accounting, reporting, and operational issues. As a result, his clients look to him for guidance in determining the applicability of standards and their implementation as well as ongoing compliance issues.

The variety of services Mike provides also gives him a unique perspective and allows him to explore a broader range of options that others might. While primarily an auditor, Mike also performs outsourced CFO and consulting services within his specialized industries.

Furthermore, Mike has assisted governmental clients in obtaining and retaining the GFOA Certificate of Achievement for Excellence in Financial Reporting award and was previously a GFOA reviewer for the Certificate program.

Mike has given presentations nationally on audit, compliance, and reporting issues that impact public sector organizations, especially in the public housing arena.

Licenses and Education:

  • Certified Public Accountant
  • Loyola College – Bachelor of Science in Accounting

Member of:

  • American Institute of Certified Public Accountants (AICPA)
  • Maryland Association of Certified Public Accountants
  • Public Housing Authorities Directors Association (PHADA)
  • National Association of Housing & Redevelopment Officials (NAHRO)
  • Financial Coaching for Low-Income Individuals
  • University of Baltimore – Adjunct Professor