Four teams, one table

We bring finance, tax, legal, and insurance specialists together as one coordinated team. Each team works two paths — the business, and each owner and spouse — and a relationship manager coordinates all of it, so you are no longer the one connecting four providers who never talk.

No — every service is à la carte. If you already have a CPA or broker you trust, we work alongside them and fill the gaps. One-stop is the goal, never a requirement.

Yes. Catch-up and clean-up is core bookkeeping work — we get your records current and reconciled, then keep them that way, compliance filings included.

You could — but covering all four areas takes five or more W-2 hires, each with salary, benefits, payroll taxes, and HR. Fern is one 1099 engagement, with specialists in every area you would struggle to recruit for individually.

Discovery comes first: we learn the business and each owner's picture before quoting anything. Your flat monthly fee is presented with your recommendations, once the scope of services is understood, under a one-year agreement that renews annually. Add teams as you grow and the fee is re-scoped at renewal. Some services involve a separate engagement, and insurance premiums are billed separately by the carrier.

Owner-led businesses with real operational complexity — job costs, draws, licensing, entities, and reporting that has to hold up. Construction, electrical, residential, commercial real estate, solar, biotech, investment firms, and real estate professionals are where we work most.

No. QuickBooks Online, NetSuite, Rippling, Ramp, Gusto, and SurePayroll are the tools we know best and can support most efficiently, so they are what we recommend. But if you prefer your current system, we will meet you where you are — including taking over from a spreadsheet.

With two conversations: one for the business, and one for each owner and spouse — about two hours each, usually in the same week. You walk away with a business assessment, a personal assessment, and your plan and flat fee a week later. Reach us any time at info@fern-advisors.com.