Team 01 · Finance
Clean books, payroll, and CFO counsel
Accurate books are the foundation everything else rests on. We keep the records current, run payroll, and close the month on time — then bring CFO-level forecasting to the decisions those numbers inform, for the business and for each owner.
For the business
The company and its entities
Bookkeeping
- Transactions and reconciliations Every bank, card, and loan account coded and reconciled each month.
- Payables and receivables Bills paid on schedule and invoices followed up, so cash is not left sitting with customers.
- Catch-up and clean-up Books that have fallen behind brought current and reconciled, however far back it goes.
- Compliance filings Recurring filings tracked and handled, so deadlines stop depending on someone remembering.
Payroll
- Payroll runs Salaried and hourly pay on schedule, with benefit, retirement, and garnishment deductions applied.
- Payroll tax deposits and filings Deposits on your assigned schedule; 941s, 940, W-2s, and 1099s filed on time.
- Multi-state and new hires State registrations and new-hire reporting as the team grows across state lines.
- Contractor classification Workers reviewed before classification becomes an audit question.
Accounting & close
- Monthly close Accruals, prepaids, and cut-off applied the same way every period.
- Financial statements Monthly, quarterly, and annual statements, on a cash or accrual basis.
- Controller review Controller-level review behind each close, and a ledger structured around how the business works.
- Lender and audit support Statements and schedules ready when a lender, surety, or auditor asks.
Fractional CFO
- Forecasting and budgeting An annual budget and a rolling forecast, including a 13‑week view of cash.
- Planning and modeling Hires, pricing, equipment, and debt modeled so the trade‑offs are visible before you commit.
- Valuation and transactions Business valuation and the numbers behind an acquisition, sale, or raise.
- Investor and partner reporting Reporting that lenders, investors, and partners can rely on.
For the owners
Each owner and spouse
- Personal financial and retirement planning Savings, retirement accounts, and the plan for life after the business.
- Household cash flow What the household needs from the business each month, and how salary and draws fund it.
- Business value and exit readiness What the business is worth today, what moves the number, and what a sale or succession would take.
What you get
What arrives, and when
- Monthly
- Reconciled books and closed financial statements
- Payroll runs, deposits, and filings
- A short note on what moved and why
- Quarterly
- Forecast and cash-flow update
- A review with you — business and personal in one view
- Annually
- Year-end close, W-2s, and 1099s
- Budget for the year ahead
- A check-in on business value and exit readiness
How it works
From first call to steady state
Once the books are current and the scope is clear, the engagement settles into a single monthly fee.
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Connect
Bank, card, and payroll feeds linked, and a chart of accounts that matches how the business actually works.
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Catch up
Historic transactions categorised and reconciled until the records are current, however far behind they have fallen.
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Close monthly
Payroll run, accounts reconciled, and statements closed the same way each period — with a short note on what moved.
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Plan ahead
Forecasts, cash flow, and owner planning built on books we already keep, revisited at each quarterly review.
One system
Finance does not work in isolation
Every team feeds the same picture of your business and its owners. Finance sits at the same table as the other three, and your relationship manager coordinates all four — so nothing is handed off and nothing has to be re-explained.
Questions, answered
About finance
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Can you take over payroll partway through the year?
Yes. Year-to-date wages, taxes, and deductions move across with your employees, so W-2s come out right, and the switch is timed to a pay-period break so nobody’s pay is interrupted.
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Do we have to change accounting software?
No. QuickBooks Online, NetSuite, Rippling, Ramp, Gusto, and SurePayroll are the systems we know best, but we work in what you already use — including a spreadsheet.
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What does a fractional CFO do from month to month?
Keeps the forecast current, reviews each close with you, and models decisions as they come up — a hire, a price change, financing, a sale. It is CFO judgment in the amount the business needs, rather than a full-time executive.
One team, four areas
Explore the other teams
Get started
Ready to hand off the books?
One for the business, one for each owner and spouse — about two hours each, usually in the same week. A week later you get your plan and a flat monthly fee.
You will know what the work costs before you commit to any of it.