Outsourced CFO and tax planning for small business
By the time a return is prepared, every decision that could have lowered the bill has already been made. This is the service that gets in front of those decisions.
Decisions that only count while the year is still open
A 360 review of your business and personal taxes, and a plan built for the way your business actually makes money.
- Entity selection and, where it pays, the S-corporation election — with the numbers behind the recommendation
- A reasonable owner salary that holds up under examination, split against distributions
- Quarterly estimated payments sized so April brings no surprises and no underpayment penalty
- Timing of equipment and vehicle purchases against Section 179 and bonus depreciation
- Retirement plan choice for owner-only and small-team businesses
- Credits and incentives your business may qualify for, reviewed rather than assumed
- Multi-state exposure when you sell or hire across state lines
- Owner compensation, loans and distributions documented so the balance sheet survives an audit
The one-sentence version. Filing a return is compliance; planning is the part where the number can still change. Both matter, but only one of them has a deadline you can still act before.
Numbers you can run the business on
Financial model
Profit & Loss, Balance Sheet and Cash Flow built as one model, so a change in one place shows up in the other two instead of in a surprise.
Scenario planning
Base case, bear case and bull case. What happens to cash if revenue drops 20 percent, or if you hire two people in the same quarter.
Budget versus actuals
Every month, what you planned next to what happened, with the variances explained in sentences rather than left as a spreadsheet.
KPI dashboard
The five or six numbers that actually drive your industry — cost per job, revenue per truck, occupancy, food cost percentage — not a generic template.
Headcount and compensation plan
What the next hire costs fully loaded, when the business can carry it, and what it does to the payroll tax line.
Lender and investor packages
Statements and projections assembled the way a bank or an SBA lender expects to receive them, so the file does not come back for more documents.
CFO work assumes the books are accurate — if they are not yet, start with bookkeeping. Plans are $1,750, $3,150 and $5,250 per month; see what each one includes.
Planning questions worth asking early
Q What is the difference between tax preparation and tax planning?
Preparation reports what already happened — the numbers are fixed by the time the return is typed. Planning happens while the year is still open, when the entity, the owner salary, the timing of purchases and the retirement contributions can still change.
Q Should my LLC elect S-corporation status?
Sometimes. The election can lower self-employment tax once profit supports a reasonable salary, but it adds payroll, a separate return and state obligations. We run your actual numbers first, because below a certain profit level it costs more than it saves.
Q Do I need a CFO if I already have a bookkeeper?
A bookkeeper records what happened; a CFO tells you what it means and what to do next. If you are deciding whether to hire, borrow, open a second location or reprice, that is CFO work — and it needs bookkeeping that is already accurate.
Q How much do CFO services cost?
Basic is $1,750 per month, Essential $3,150 and Custom $5,250. Which fits depends on how much modelling and reporting you want — the pricing page lists the contents of each plan.
Plan the year while you can still change it
A free 30-minute call is enough to see whether planning would save you more than it costs.