Our services
The financial foundation,
designed and operated.
Three practices that build on each other. Most clients start with one and grow into the next as the business gets more complex.
Service 01
Bookkeeping
Books you can actually make decisions from.
Why this matters
Most small business owners do not have a bookkeeping problem. They have a clarity problem — records that are technically complete but impossible to read, closed weeks late, and reconciled just well enough to file a return.
We treat bookkeeping as the foundation of the whole financial structure. Your chart of accounts is designed around how your business actually earns and spends money, transactions are categorized consistently, and every period closes on a schedule you can count on.
The result is a set of books that answer questions instead of raising them.
What’s included
Scope is set in writing before work begins, so there is never a question about what is covered.
- 01
Monthly close on a fixed calendar
Bank, credit card, loan, and merchant accounts reconciled every period, closed by an agreed date — not whenever there is time.
- 02
Chart of accounts design
A structure built around your revenue streams and cost drivers, so your P&L reflects how the business is actually run.
- 03
Clean-up and catch-up
Behind by months or years? We rebuild prior periods, resolve uncategorized transactions, and bring the file to a defensible starting point.
- 04
Financial statement package
P&L, balance sheet, and cash flow delivered each month with a short plain-English note on what changed and why.
- 05
AR and AP visibility
Aging schedules kept current so you always know who owes you and what is coming due.
- 06
Year-end handoff
A reconciled, documented file your CPA can work from directly — no scramble in March.
What changes
- Books closed on a predictable schedule
- Statements you can read without translation
- A clean file your CPA and lender will accept
Best suited for
Owners whose records have fallen behind, or who have outgrown a part-time bookkeeper and need a real process.
Discuss this engagementService 02
Financial Audit Support & Tax Preparation
Audit-ready and tax-compliant year-round — not just in filing season.
Why this matters
An audit or a tax deadline does not create problems. It exposes the ones that were already there — undocumented entries, unreconciled accounts, missing support for material balances.
We work the other direction: build the documentation discipline into the monthly routine, so that by the time a request list arrives, the answers already exist.
That applies equally to a formal financial statement audit, a lender or grantor review, a due diligence request, or an ordinary tax filing.
What’s included
Scope is set in writing before work begins, so there is never a question about what is covered.
- 01
Audit-ready workpapers
Support maintained for every material balance — reconciliations, schedules, and the reasoning behind significant estimates.
- 02
PBC request management
We own the prepared-by-client list end to end: gather it, review it, and respond to auditor follow-ups on your behalf.
- 03
Tax preparation and filing support
Returns prepared from reconciled books, with the schedules and substantiation behind each position organized and retained.
- 04
1099 and contractor compliance
W-9 collection tracked through the year, reportable payments identified, and 1099-NEC filings prepared on time.
- 05
Quarterly estimates
Estimated tax calculated from real year-to-date results, so payments are sized correctly and cash is set aside in advance.
- 06
Prior-period corrections
Where past filings or records were wrong, we identify the exposure, quantify it, and document the correction properly.
What changes
- Documentation ready before it is requested
- Fewer auditor questions and faster turnarounds
- No year-end surprises on the tax bill
Best suited for
Businesses facing a first audit, a lender or grantor review, or an owner tired of reconstructing a year of records every spring.
Discuss this engagementService 03
Fractional CFO Services
Executive financial leadership, sized to the business you actually have.
Why this matters
There is a stage where bookkeeping is no longer the constraint. The records are fine; the decisions are the hard part. Whether to hire. Whether the pricing works. Whether the business can carry the debt. Whether growth is actually profitable.
A fractional CFO engagement puts a financial executive alongside you for those decisions — reading the same numbers you are, but with the pattern recognition of someone who has seen how they resolve.
We work with owners and leadership teams to architect financial frameworks that drive performance, profitability, and long-term enterprise value.
What’s included
Scope is set in writing before work begins, so there is never a question about what is covered.
- 01
Cash flow forecasting
A rolling 13-week and annual view of cash, so payroll, tax, and debt obligations are known well before they land.
- 02
Budgeting and variance analysis
An operating budget that reflects strategy, reviewed each period against actuals with explanations for what moved.
- 03
Unit economics and pricing
Margin analysis by service, product, or customer — the basis for pricing decisions, and for knowing what to stop selling.
- 04
KPI reporting and dashboards
A small set of metrics that actually predict performance, reported on a consistent cadence to the people who act on them.
- 05
Financing and lender readiness
Preparation and presentation of the financial package for loans, lines of credit, or investment, plus covenant monitoring.
- 06
Systems and process design
The accounting stack, approval workflows, and internal controls that let the finance function scale with the business.
What changes
- Decisions made on forecasts, not on the bank balance
- A financial story you can present to any lender
- Finance operations that scale with the company
Best suited for
Growing businesses that need executive-level financial judgment but are not ready to carry a full-time CFO.
Discuss this engagementNext step
Let's find the right starting point.
Schedule a discovery call and free consultation. We will look at where your finances stand today and tell you plainly what it would take to get them where they need to be.