Financial support for construction
Bookkeeping, tax strategy and financial guidance built around your trade, your workload and what you need next.
Commercial specialties. Residential trades. Construction is our focus.
Built around the work you do.
THE BIG PICTUREClear numbers. A conversation that helps.
Construction-focused expertise
Services scoped to your business
Based in Houston. Working nationwide.
A place for your business
Commercial construction
Bookkeeping, contract reporting and CFO support for commercial specialty subcontractors. Scope that fits the work you carry today and the decisions ahead.
Explore commercial supportResidential & light commercial
Bookkeeping and tax strategy for service, replacement and remodeling businesses. Start with a full, personalized tax plan at no cost for qualified owners.
Explore the free tax planHVAC · Electrical · Plumbing · Roofing · Remodeling
What clearer numbers make possible
Reports are useful when they help you understand the business and decide what to do next.
September 2026Prepared for owner review Illustrative construction business · Fictional figures
| Account | Actual | Budget |
|---|---|---|
| Revenue | $248,000 | $240,000 |
| Direct labor | $82,000 | $78,000 |
| Materials | $69,000 | $64,000 |
| Other direct costs | $18,000 | $18,000 |
| Gross profit | $79,000 | $80,000 |
| Overhead | $41,000 | $40,000 |
| Operating profit | $38,000 | $40,000 |
Oct 5 – Jan 3Prepared for owner review Illustrative construction business · Fictional figures
| Cash movement | W1 | W2 | W3 | W4 |
|---|---|---|---|---|
| Opening cash | 92 | 84 | 76 | 62 |
| Customer receipts | 48 | 52 | 44 | 39 |
| Payroll & other payments | (56) | (60) | (58) | (58) |
| Closing cash | 84 | 76 | 62 | 43 |
Assumes customer payments arrive on the forecast dates. Review timing weekly. Cash forecasting is available where scoped.
Q4 2026 scenarioPrepared for owner review Illustrative construction business · Fictional figures
Less work means less room to cover the new fixed costs.
| Crew scenario | Planned | Slower start |
|---|---|---|
| Revenue | $45,000 | $36,000 |
| Variable costs | $18,000 | $14,400 |
| Fixed crew costs | $18,000 | $18,000 |
| Operating profit | $9,000 | $3,600 |
| Monthly break-even sales | $30,000 | $30,000 |
Assumes variable costs at 40% of sales and fixed crew costs of $18,000/month. Excludes tax and financing. Scenario planning is scoped commercial CFO support.
Sample excerpts with fictional figures, not client results. Your reporting package is built around your business and agreed scope.
One relationship. A scope that fits.
Some businesses need a reliable record and a better tax plan. Others need deeper reporting and a CFO in the conversation. We define the work before you commit.
How commercial pricing worksTransactions captured and reconciled. Financial statements you can understand. For commercial contractors, job costing and additional contract reporting are scoped where needed.
Explore bookkeepingPreparation handles the return. Strategy looks ahead at the decisions that can affect it. We define the tax services in your scope, including coordination with your existing preparer where appropriate.
Explore tax servicesForecasts, budgets and financial guidance for commercial contractors, with reporting and compliance support matched to the requirements of their business.
Explore the commercial engagement
Experience behind the numbers
Before founding Today CFO, Tom spent nearly six years running job costing and logistics in construction. Tracking costs in the field. Following vendor supply chains. Seeing how the work and the money moved together.
He then built and sold a software company before founding Today CFO in 2015. That combination of operations, systems and finance shapes how we work today.
Tools our team
works with
The first step is a conversation
Tell us about the work you do, what is working and what you want to get under control. We’ll help you find the right next step.
Prefer to call? (866) 438-5008Commercial financial review
Choose a time to talk about your process, your numbers and the support you need.
30 minutes · No cost · No obligation
If there is a fit, your free Financial Risk Assessment comes before either side commits. The findings and plan are yours to keep.
Residential & light commercial
Qualified contractors receive a full written tax plan and a one-hour Zoom walkthrough at no cost. We confirm the fit and collect the required records before preparing your plan.
We focus on construction. Our commercial work serves specialty subcontractors, including mechanical, electrical, concrete, steel, glazing and fire protection. Our residential and light commercial practice serves HVAC, electrical, plumbing, roofing and remodeling businesses, including family-operated shops.
Find your specialtyYour scope should reflect the work you need. Residential engagements focus on bookkeeping and tax strategy. Commercial engagements can add contract reporting, compliance and CFO support as required.
See how scope can changeWe look at the work behind your numbers and the services you need before proposing a scope and fee. Commercial pricing reflects an anchor, the actual workload and the selected services; the fee is fixed for the quarter and reviewed in both directions.
How commercial pricing worksFor a commercial engagement, the next step is a free Financial Risk Assessment before either side commits. You keep the findings and plan whether or not you continue. Residential businesses follow a separate conversation about their bookkeeping and tax needs.
Start with your business