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How it works

Know what
happens next.

See how we get to know your business, review your books and build the support your work calls for. Here is what happens at each step, and what we need from you.

Walk through the five stages Book a call

The five stages

From the first call to the quarterly conversation.

See what happens, what you provide and what we handle at each stage. Timing depends on access to your records and the work agreed in your scope.

Stage 01 · 30 minutes

Start with your business.

One call. No prep required.

What you provide

Thirty minutes and a plain description of your business. Nothing financial is shared yet.

What we handle

We listen for what kind of work you carry: bonded jobs, retainage, payroll, multiple entities. That shapes whether a Financial Risk Assessment makes sense next.

Call agenda

What we cover

  • Your trade, your contracts and what is actually on the books today
  • What is in the way right now, in your words
  • Whether you need us yet. We will say so if the answer is no

Stage 02 · Typically about two weeks

The Financial Risk Assessment.

Measured from when access comes through, not from the call. Incomplete or disorganized records extend it.

You add us from your side, under Manage Users and Accountants. QuickBooks Online does not allow us to send the invitation, which is the step that most often stalls a start.

What you provide

Read-only access to QuickBooks Online or Xero and your prior year tax returns.

What we handle

An in-depth review of your risk, run on your real books and your real contracts by people who have spent their careers in construction. We work through financial accuracy, tax position, cash flow, growth readiness, operational efficiency and compliance, then show you what we found and what it is costing. It is how both of us decide: you see whether the work is worth what it costs, and we see whether we can actually move your position. You keep the findings and the plan whether or not you go further.

Financial Risk AssessmentSample excerpt
Today CFOSeptember 2026Fictional business · Worked example

Six focus areas · Findings before scope

Executive summary

Cash collection and unapproved work need attention first. The monthly close has a sound supporting record.

Tax Optimization5/10Needs Attention
Cash Flow Health3/10High Risk
Growth Readiness5/10Needs Attention
Financial Accuracy8/10Healthy
Operational Efficiency4/10Needs Attention
Risk & Compliance4/10Needs Attention
01

First priority: $62,000 in older invoices

Expected collection dates are missing from the cash plan. Confirm timing before making new cash commitments.

First 30 days · Owner and accounting team

Scores and findings are fictional examples, not benchmarks or a diagnosis of your business. Actual ratings follow the evidence in your records.

Fictional figures and findings. Not a client result.01 / Sample

Stage 03 · About one hour

You see the findings. Then a written scope.

One walkthrough call, scheduled once the assessment is complete.

What you provide

Your decision. Ask questions, push back on anything, and take as long as you need.

What we handle

We show what we found and what it is costing, then propose the layers your contracts and filings require, plus any elective goals you want in scope. You keep the findings and the plan either way.

Written scope

What gets proposed

  • CoreAlways on
  • ComplianceIf your work requires it
  • GrowthElective

Your scope and fee are agreed in writing before ongoing work begins.

Stage 04 · Varies with how ready your records are

Getting the books ready to run on.

Your onboarding schedule is agreed after we review your records and the cleanup work in your scope. Books cleanup, where included in your scope, is what most affects the timeline.

What you provide

Prompt access and prompt answers. The pace of onboarding tracks the pace of both.

What we handle

The foundation goes in first, because nothing else can be produced without it, then whatever your contracts and filings require on top of it.

Setup checklist

Who does what

You

  • Add us under Manage Users and Accountants (QuickBooks Online will not let us send the invite)
  • Point us to open contracts, payroll and any existing job files
  • Answer questions as the books come together

Us

  • Bring the books current and reconciled
  • Set up job costing or a WIP schedule where the scope calls for it
  • Build the reporting cadence your engagement runs on

Stage 05 · Delivered by the eighth business day, walked on a quarterly call.

A monthly report. A quarterly conversation.

The monthly report is a delivery date. The quarterly call is where it gets discussed, not just sent.

What you provide

Transactions, receipts and payroll information on a regular schedule. The report is only as current as what reaches us.

What we handle

We close the books, produce the report and flag what needs attention before the call. Your fee is reviewed quarterly based on workload. Reviewed quarterly against a rolling six-month average, and it moves in both directions. If your volume falls, so does the fee.

Monthly owner reviewSample excerpt
Today CFOSeptember 2026Fictional business · Worked example

September close · Discussion brief

Contractor Position Page

The month-end position, the changes worth discussing and the next actions in one place.

Net overbilling
$24,000Across three open jobs
Retainage held
$286,000Receivable tracked separately
Warehouse margin
11.2%15.0% at bid
Owner review agenda
FindingNext actionOwner
School: $22K underbilledReview billing cutoffBilling lead
Warehouse: 3.8pt margin fadeRefresh labor forecastProject manager
$62K invoices over 60 daysConfirm payment datesCollections owner

Fictional monthly excerpt. Contract-specific sections require the relevant reporting in scope; collections follow-up is separately scoped.

Fictional figures and findings. Not a client result.01 / Sample

Illustrative documents. Your written scope reflects your business and the services you choose.

Want the full catalog first?

Every service, grouped by why you would carry it.

See how pricing works

Want to read about the assessment first?

What it covers, what we need from you and why it is free and required.

Read about the Financial Risk Assessment

Before you book

A few practical questions.

What do I need before the first call?

Nothing financial. Just a plain description of your business and what is not working. Records and access only come up once we are past the call and into the assessment.

Is the Financial Risk Assessment really free?

Free. No charge. Required before we take you on, and before you take us on. You keep the findings and the plan whether or not you go further.

What if the assessment finds we are not a fit?

We will tell you. You keep the findings and the plan either way, and there is no obligation to hire us.

Is there a contract?

There is an engagement agreement that sets out scope and responsibilities, but engagements run month to month. You can change scope or stop at any time.

Does the fee change once we start?

No, not month to month. Reviewed quarterly against a rolling six-month average, and it moves in both directions. If your volume falls, so does the fee.