Books & contracts
Accounting records
Open contracts
Prior year returns
Construction accounting & CFO support
A finance team that fits
the work you do.
Your monthly fee is built around your books, your contracts and the support you need. Fixed for the quarter. Quoted before you commit.
Start with a free Financial Risk Assessment.
From your books to a clear plan
Know your position
Cash, profit and the jobs behind them
Illustrative report formatA written scope
CoreFoundation
ComplianceAs needed
GrowthAs needed
Quoted before you commit
How your fee is built
Three parts, scoped to the work in your business.
A fixed anchor
The Contractor Position Page and the quarterly conversation that goes with it.
Your actual workload
The transactions, people and open jobs we support. Measured against what your books contain.
See what we measureYour chosen services
A foundation of Core, with Compliance, Growth and add-ons scoped to your business.
What changes the workload?
Revenue is a useful description of your business. These are the things that drive the work.
- Transactions posted, bills entered, and invoices issued
- Payroll headcount, and how often you run it
- Active jobs being cost-coded, and open contracts in the WIP
- Pay applications issued
- Prevailing wage employee-weeks, and your 1099 count
- How many entities and payroll states you run
Fixed for the quarter. Reviewed in both directions. Reviewed quarterly against a rolling six-month average, and it moves in both directions. If your volume falls, so does the fee.
See where the money stands.
One page, every month, and the same four questions answered every time. It is the difference between books that record what happened and a report you can run the business from.
Delivered by the eighth business day, walked on a quarterly call.
See what you have earned, and what you have billed.
Percent complete and billings belong side by side. In this example, Job 2258 is 41% complete and $22K underbilled. That is a billing gap worth looking into while the job is still open.
Illustrative example, not a client result.Know what is still tied up in retainage.
A profitable contract can leave cash sitting with somebody else. This example separates $286K held from $126K released, so the amount still outstanding stays visible.
Illustrative example, not a client result.Catch margin fade before the job closes.
Compare what you estimated with what the job is actually earning. Job 2263 has moved from an estimated 15.0% margin to 11.2%. Job costing makes that comparison possible.
Illustrative example, not a client result.Keep profit and cash in the same conversation.
Here, cumulative profit rises while cash on hand falls. Seeing both together gives the owner a reason to examine billing, collections and retainage before planning the next commitment.
Illustrative example, not a client result.TODAYCFO■
Contractor Position Page
September 2026Illustrative sample
Percent complete and over/under billings
ContractCompleteOver / under billed
Job 2241Medical office shell72%+$34K
Job 2258School addition41%−$22K
Job 2263Warehouse fit-out88%+$12K
Retainage position by contract
$286Kheld in retainage
Held $286K Released $126K
Contract margin against estimate
JobEstimate → Actual
224118.0% 16.4%
225822.0% 22.8%
226315.0% 11.2%
Cash against profit
Cumulative profitCash on hand$000
AprMayJunJulAugSep
Your report reflects your scope. Contract margin reporting requires job costing; contract-specific sections apply where relevant.
Start with the foundation.
Add what your work needs.
Most clients start with Core and the Compliance their work requires. Growth and add-ons are there when you need them.
The foundation
Core
Poured first, and everything else sits on it. No structure stands without one, and nothing you do with your numbers works without the record underneath it.
The starting pointBookkeeping and reconciliation
accrual books maintained alongside cash basis for tax, monthly close, and a chart of accounts structured for job reporting
Accounts payable
bill entry and coding against the job
Accounts receivableOptional · scoped separately
invoicing and aging
Job costingOptional · scoped separately
labor, material, equipment and burden coded to the job
Built to code
Compliance
Every job answers to an authority having jurisdiction. Yours are the IRS, your general contractor, your surety, your insurer and your lender. You build what they require and nothing they do not.
Where your work requires itTax preparationScoped where applicable
Form 1120S, owner Form 1040, Form 8697 look-back where applicable
Payroll filingsScoped where applicable
quarterly returns, W-2s, and the deposits behind them
- 1099 vendor tracking and filingScoped where applicable
Certified payrollOnly where your work requires it
WH-347 and state equivalents, union and fringe remittance reporting
Subcontractor complianceOnly where your work requires it
W-9, insurance certificate expiration, license status, lien waiver status
Sales and use taxScoped where applicable
registration and returns across jurisdictions
WIP reportingOnly where your work requires it
cost-to-cost percent complete monthly, over and under billings identified and explained, and a roll-forward showing what moved and why
Retainage administrationOnly where your work requires it
aged by contract, receivable and payable, reported separately from current AR, with schedule of values maintenance and change order logging
Bonding and surety supportOnly where your work requires it
a quarterly package in the format the underwriter reads
Workers comp audit supportOnly where your work requires it
class code review, labor and material separation, overtime premium separation, and the audit package assembled before the auditor asks
Covenant trackingOnly where your work requires it
measured on the lender dates, managed rather than discovered
The finish out
Growth
Nobody makes you do it, and it is what turns a business that stands up into one you can actually run. Budgets, forecasts and the capacity to bid bigger.
When you want to look aheadBudgeting
an annual budget built off the book rather than off last year plus a percentage
Forecasting
rolling cash forecast against the work on hand and the draw schedule
Bid capacity modeling
what the business can carry at once, and what it costs to be wrong
- Overhead recovery rate and bid multiplier derivation
- Scenario planning against the forecast
Bolted on
Add-ons
Field-bolted rather than welded in. Added where your business needs them and left off where it does not, without changing anything underneath.
Tax planning implementation
Eligibility varies and some of it may already sit with a third-party CPA. Scoped on the call.
Payroll processing
Often already in-house or on a platform. The filings behind it are Compliance either way.
Bill pay
Recording the bill is Core. Paying it is the elective part, and many owners keep it.
Collections follow-up
Invoicing and aging are Core. Who makes the call is the elective part.
The full-time alternative
Buy the support
your business needs.
An engagement can start with books that close properly, the reporting their work requires and a clear monthly picture. CFO advisory can sit on top when it has a job to do.
~$238,000per year to employ a financial manager, illustrated
Based on a $166,570 national median wage and wages representing 70% of total compensation. This broad benchmark is not specific to construction CFOs and is not our fee.
See the calculation and sourcesGet your scope and quote.
A free assessment of your books comes first. You keep the findings and the plan, whether or not you hire us.
Talk through the work
Thirty minutes on your contracts, your current books and what you need to change.
Review the books
Your Financial Risk Assessment reviews the books, contracts and risks behind the scope.
Make your decision
See the findings, proposed services and written quote before either side commits.
What we need for the assessment
Read-only access to QuickBooks Online or Xero, plus Your prior year tax returns. We walk you through the access step after the initial conversation.
The assessment is free and required before an engagement. You keep the findings and plan either way.
Before you book.
Why is there no price list?
The work in your books sets the fee. Two contractors with the same revenue can have very different payrolls, contract counts and reporting requirements. The free assessment gives us the information to put your scope and quote in writing.
Will my invoice change every month?
The monthly fee is fixed for the quarter. Reviewed quarterly against a rolling six-month average, and it moves in both directions. If your volume falls, so does the fee.
Do I need every service?
Core is the foundation of every engagement. Optional Core services are marked above. Compliance is scoped to the requirements that apply to your business; Growth and add-ons are elective. Your proposal identifies the work you are buying.
What do you need for the assessment?
Read-only access to QuickBooks Online or Xero, plus Your prior year tax returns. We start with a conversation about your business, then walk you through the information needed for the assessment.
What if we decide not to work together?
You keep the assessment findings and the plan. The assessment is free and required before either side commits to an ongoing engagement. There is no obligation to hire us.
How does this compare with a full-time hire?
An illustrative employment-cost benchmark is about $238,000 a year: the national median financial-manager wage of $166,570 divided by a 70% wage share of total compensation. Benefits represent the other 30% of total compensation. Sources: BLS wages, May 2025, and BLS compensation, June 2026. This is a broad national benchmark, not a construction-CFO salary survey or a Today CFO fee. Your quote covers the scope you actually need. Sources: BLS wages, May 2025 and BLS compensation, June 2026.