The Financial Risk Assessment™
A comprehensive 120-point diagnostic that reveals exactly where your business is leaving money on the table — and gives you a prioritized roadmap to fix it.
Starting at $1,500 | 50% credited toward ongoing services
You Don't Know What You Don't Know
Most business owners are bleeding money in ways their CPA never told them about. Here's what we see every day:
Tax strategies left on the table
Most agency owners are still structured as LLCs when an S-Corp election alone would save $20K+/year. That's just one of 15+ strategies your CPA probably isn't using.
Invisible cash flow leaks
Slow-paying customers, bad vendor terms, and timing mismatches silently drain your working capital.
No peer benchmarks
You don't know if your 65% gross margin is strong or weak for a firm your size. Without benchmarks, you can't spot the gaps.
Operational inefficiencies
Manual processes, duplicate systems, and poor integrations cost you 10+ hours a week you don't realize you're losing.
A Complete X-Ray of Your Financial Health
The Financial Risk Assessment™ is a proprietary diagnostic we developed in 2015 after seeing the same problems cripple growing businesses over and over. It's not a sales pitch disguised as a consultation — it's a rigorous, data-driven analysis across six Focus Areas that gives you clarity.
At the end, you'll know exactly:
What We Analyze
How the FRA Works
From kickoff to action plan in 12 business days. Here's exactly what happens:
Discovery Call
A 30-minute call to understand your business, goals, and pain points. We'll explain exactly what we need and set expectations.
Document Collection
We send you a secure link to upload your financials. Our team handles the heavy lifting — most clients spend less than an hour gathering documents.
Deep Analysis
Our team reviews every data point across 120 checkpoints across 6 Focus Areas. We identify gaps, quantify opportunities, and calculate the ROI of each fix.
Findings Presentation
A 60-minute call where we walk through every finding, explain the "why," and give you a prioritized action plan with projected savings.
Timeline shown for Comprehensive tier. Essentials is delivered in 8 business days; Premium includes additional strategy sessions.
What We Actually Review
Here's a sample of the 120 checkpoints in your Financial Risk Assessment:
Each Focus Area is scored independently on a 1–10 scale and rated Healthy, Needs Attention, or High Risk.
Tax Optimization
Is your business structured to minimize its tax burden legally and proactively?
- Entity structure optimization
- Retirement plan strategies
- R&D tax credit eligibility
- Section 199A deduction
- State tax planning
- Depreciation strategies
- Owner compensation structure
- Estimated tax accuracy
Cash Flow Health
Do you have clear visibility into where cash is going — and when it's coming back?
- Days Sales Outstanding (DSO)
- Accounts payable terms
- Cash conversion cycle
- Seasonal cash needs
- Working capital ratio
- Line of credit utilization
- Invoice collection process
- Vendor payment timing
Growth Readiness
Can your financials support your next stage of growth — or will they hold you back?
- Gross margin by service line
- Customer acquisition cost
- Lifetime value analysis
- Capacity utilization
- Hiring runway projections
- Pricing power assessment
- Revenue per employee
- Client concentration risk
Financial Accuracy
Are your books clean enough to make confident decisions — or are you flying blind?
- Chart of accounts structure
- Revenue recognition
- Expense categorization
- Bank reconciliation status
- Intercompany transactions
- Accrual vs. cash basis
- Close process efficiency
- Historical restatements needed
Operational Efficiency
Are manual processes and disconnected tools costing you time and money each month?
- Software stack integration
- Manual process inventory
- Payroll processing efficiency
- AP automation status
- Receipt management
- Reporting automation
- Time tracking accuracy
- Job costing completeness
Risk & Compliance
Are there compliance gaps or exposure risks that could trigger penalties or audits?
- Internal controls assessment
- Fraud prevention measures
- Insurance coverage adequacy
- Contractor vs. employee status
- Sales tax compliance
- Multi-state nexus review
- Audit trail completeness
- Document retention policy
See How You Stack Up Against Firms Like Yours
Because we specialize in service businesses, we've built a benchmark database that shows exactly how your margins, collections speed, team utilization, and pricing compare to similar firms at your revenue tier. No guessing — just data.
Sample data from a recent assessment. Your benchmarks will reflect your industry and revenue tier.
What You Receive
Your completed FRA™ includes a comprehensive report with six components — everything you need to take action immediately.
Executive Summary
A one-page overview of your financial health, key risks, and the total savings opportunity we've identified.
Six Focus Area Scorecards
Each Focus Area scored 1–10 and rated Healthy, Needs Attention, or High Risk — with specific findings and recommendations.
Industry Benchmark Comparison
See exactly how your firm compares to similar service businesses on the metrics that matter most — margins, DSO, revenue per employee, utilization, and more.
Tax Savings Estimate
We'll show you exactly how much you're overpaying in taxes — down to the dollar. Includes savings from entity restructuring, credits, and strategies you're not using.
90-Day Priority Roadmap
A prioritized action plan with the highest-ROI moves first — so you know exactly what to fix and in what order.
Risk Register
A detailed log of compliance gaps, exposure risks, and audit triggers — ranked by severity so nothing falls through the cracks.
Sample Scorecard Preview
Here's what an actual Financial Risk Assessment™ report looks like — scored findings, benchmarks, and a prioritized action plan.
Sample scorecard for Apex Strategy Group (fictional consultancy). Your report will follow this format with your actual data.
Choose Your Assessment Tier
Every tier includes a scored report, benchmark comparison, and actionable recommendations.
Essentials
Books review + tax scan + summary report. Best for firms with clean books who primarily want a tax optimization check.
- Books accuracy review
- Tax optimization scan
- Summary report with findings
- 30-minute findings call
Comprehensive
Full 120-checkpoint analysis across all 6 Focus Areas. Benchmark comparison, 90-day roadmap, risk register.
- Everything in Essentials
- Full 120-checkpoint analysis
- 6 Focus Area scorecards
- Industry benchmark comparison
- 90-day priority roadmap
- Risk register
- 60-minute findings presentation
Premium
Everything in Comprehensive plus multi-year tax projection, detailed hiring runway analysis, two strategy sessions, and implementation planning.
- Everything in Comprehensive
- Multi-year tax projection
- Hiring runway analysis
- Two strategy sessions
- Implementation planning
- Priority scheduling
Engage us for ongoing services within 30 days and we'll credit 50% of your FRA fee toward your first month.
See What an FRA Looks Like
Download a sample Financial Risk Assessment™ report — complete with scored findings, benchmarks, and a prioritized action plan.
Download Sample ReportWhat We've Found for Clients Like You
Here are actual findings from recent Financial Risk Assessments:
Marketing Agency Owner Working 70hrs/Week — 15 of Them on Admin
What We Found
After Implementation
Series A Candidate Had "Messy Books" — Couldn't Answer Due Diligence
What We Found
After Implementation
See more results across industries
Commercial GC Didn't Know They Were Leaving $127K/Year on the Table
What We Found
After Implementation
DTC Brand's Books Were "Fine" — Until We Found $87K in Errors
What We Found
After Implementation
"The Financial Risk Assessment found $127K in tax savings my previous CPA missed — in the first year alone. I thought my books were fine. Turns out, 'fine' was costing me six figures."
Frequently Asked Questions
The FRA starts at $1,500 (Essentials) and goes up to $7,500 (Premium). Most clients choose Comprehensive at $3,500. If you engage us for ongoing services within 30 days, we credit 50% of your FRA fee toward your first month.
We built the FRA for service-based businesses — agencies, consultancies, and professional services firms — with $750K to $10M in annual revenue. That's where our benchmarks are deepest.
About 2 hours total: a 30-minute discovery call, ~1 hour gathering documents (most is just forwarding access), and a 60-minute findings presentation.
Your report and 90-day roadmap are yours to keep regardless. Many clients choose to implement recommendations with us — the 50% credit makes that seamless. Others use the report with their existing team.
Because we specialize in service businesses at your revenue tier, we've built a benchmark database of key metrics — margins, DSO, revenue per employee, utilization, and more. Your scorecard shows exactly how you compare to peer firms.
You receive a branded PDF scorecard with an executive summary, six scored Focus Area reports, industry benchmark comparisons, a quantified tax savings estimate, a prioritized 90-day roadmap, and a full risk register.
Most of our clients do. The FRA isn't about replacing your CPA — it's about finding what they're not looking for. Tax compliance is different from tax strategy.
Bank-level security. All documents are uploaded via encrypted portal. We're SOC 2 compliant and never share your information.
Ready to See What You're Missing?
Most business owners are leaving $30K+ on the table every year. Let's find out if you're one of them — and fix it.