Our Services

If you need a return filed, start with Tax Preparation. If you want to owe less next year, that is Tax Planning. If your books, payroll or cash flow are the problem, that is CFO Services. If the question is whether you can retire, or what happens to what you have built, see Retirement Planning and Estate Planning. Most clients end up using more than one.

Yes. Many clients start with a single return and add planning later. The advantage of keeping them together is that the person preparing your return is the same person planning the year ahead — nothing gets lost in the handover.

Both. We prepare individual, corporate, LLC and partnership returns, and we act as an outsourced Chief Financial Officer for companies that need financial leadership without a full-time hire.

The usual trigger points are payroll growing past a handful of employees, cash flow becoming unpredictable, a lender or investor asking for statements you cannot readily produce, margins moving without an obvious reason, or an owner spending more time on administration than on the business.

If you are below that, bookkeeping and tax planning usually deliver more per dollar — and we will tell you so rather than sell you the larger engagement.

Yes, and it is one of the most common reasons owners call. Cash flow problems are usually timing problems: receivables collected slower than payables are due, inventory or equipment bought at the wrong moment, tax payments that arrive unplanned, or owner draws taken without reference to the coming quarter.

We build a forecast you can actually run the business against, then work the levers — collection terms, payment timing, financing structure and estimated tax scheduling.

Our client base concentrates in contractors and the trades, medical and dental practices, professional service firms, restaurants and hospitality, real estate investors, and retail — alongside individuals and families with investment or rental income. Twenty-nine of them are listed on our partners page.

What matters more than the industry is complexity: multiple entities, multi-state activity, uneven revenue or a coming liquidity event are where planning earns its fee.

It depends on the engagement. Bookkeeping clients get financial statements and a review conversation monthly or quarterly. Planning clients meet at least twice a year — once mid-year while decisions can still be changed, once before year end — plus whenever something significant comes up.

The standing rule is simpler than any schedule: call before you commit, not after.

We start from your actual numbers rather than a checklist. That means reviewing prior returns, current books and entity structure to find what is being left on the table. From there we model options — compensation split, retirement plan design, timing of income and purchases, entity elections — and quantify each one.

You get a written plan with the specific actions and their deadlines, then we implement and adjust through the year as things change.

It is right when the questions you are asking have stopped being “what did we make” and started being “what should we do” — and when a full-time CFO at six figures cannot be justified yet.

It is not right if the books are not yet reliable; fix that first, because CFO work built on bad data is worse than none. One conversation is enough for us to tell you which situation you are in.