Monthly Accounting & Advisory

A finance department that scales with the decisions in front of you.

Hire. Price. Borrow. Sell. Expand. The bigger the call, the more your books need to do. Our ongoing work comes in three tiers. Most clients start at Strategic, with Fundamental below it for businesses that only need clean books and Transformative above it for those ready for CFO-level leadership.

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Three growing stacks of coins, representing the three Fundamentals tiers building on one another
Our approach

Built for decisions, not just compliance.

Traditional accounting relationships focus primarily on compliance. EO adds the oversight, reporting, and interpretation that growing businesses need for better decisions. The numbers should do more than reconcile and file on time. They should help you make the next call about the business.

Specific deliverables are defined by engagement scope, business complexity, data availability, and selected enhancements. Limited-scope engagements may not include every service listed within a tier.

Can I rely on the numbers?

Fundamental Accounting

Typical investment $1,000–$3,000/month
Limited-scope engagements start at $600/month. The right starting point when the business needs reliable books more than ongoing analysis.
Your team Accountant

For owners who want clean books, monthly reports that arrive on time, and someone else handling the close.

What changes for you

You can rely on the monthly books.

The accounts included in your scope are reconciled, transactions are categorized, and open questions move through a defined close process before reports are delivered.

Month-end stops being a question mark.

Your P&L and Balance Sheet arrive on schedule each month, with a plain-English Financial Insights Report highlighting notable changes and items that need your attention.

Issues are surfaced instead of left buried.

When the close reveals an unusual transaction, unresolved balance, or meaningful change in the financials, we flag it so it can be addressed. Deeper profitability, margin, and operational analysis belongs in the Strategic tier.

You’re out of the day-to-day bookkeeping.

The accountant runs the close. Your time goes back to running the business instead of reconciling reports and chasing transactions.

What's included

  • Cash-basis accounting
  • Transaction categorization
  • Reconciliation of core balance-sheet accounts, including cash, bank, credit card, and loan accounts
  • Year-end adjustments, including book-to-tax reconciliation
  • Monthly standard financial reports (P&L and Balance Sheet)
  • Monthly Financial Insights Report
  • Quarterly meetings

Available enhancements

  • Monthly meetings
  • Payroll processing
  • Accounts payable
  • Accounts receivable
  • Sales tax reporting
  • Receipt management

What do the numbers mean?

Strategic Accounting and Advisory

Typical investment $3,500–$5,000/month
Limited-scope engagements start at $2,000/month.
Your team Controller + Accountant

For owners whose financials need deeper insight, controller oversight, and analysis that turns reports into decisions.

Includes everything in Fundamental, plus the strategic layer below.

What changes for you

The close no longer ends with the person who prepared it.

A controller reviews the completed close, financial statements, reconciliations, and significant adjustments before delivery. You receive financials that have moved through a comprehensive internal review process.

The reporting begins to reflect how the business actually operates.

Depending on your needs and the data available, specialty reporting may include service-line, location, department, payor, utilization, work-in-progress, or multi-entity views.

The financials are prepared with outside audiences in mind.

Full accrual accounting, comprehensive balance-sheet reconciliations, controller-level review, and attention to reporting consistency help you respond more confidently when a lender, board member, tax advisor, auditor, or prospective buyer asks questions.

Cash needs and performance gaps become visible earlier.

The 13-week cash forecast and monthly budget-to-actual reporting help you see upcoming pressure, understand where results are departing from plan, and address problems before they become urgent.

Senior review no longer falls to you.

Checking accruals, scanning for inconsistencies, deciding whether the numbers are ready to leave the building — that work moves off your desk and onto someone who does it for a living.

What's added

  • Cash basis, modified accrual, and full accrual accounting available
  • Reconciliation of all material balance-sheet accounts within scope, including accounts receivable, accounts payable, inventory, fixed assets, payroll liabilities, and intercompany accounts
  • Controller review of the monthly close and financial statements
  • 13-week cash flow forecast
  • Annual budget/refresh with monthly budget-to-actual reporting
  • Specialty reporting package
  • Multi-entity consolidation available
  • Monthly meetings
  • Annual review of key financial controls within scope, with recommendations

Available enhancements

  • Weekly or semimonthly meetings
  • Payroll processing
  • Accounts payable
  • Accounts receivable
  • Sales tax reporting
  • Receipt management

What should we do next?

Transformative Business Strategies

Typical investment $7,500–$10,000/month
Engagements start at $5,000/month.
Transformative engagements are accepted on a limited basis. We work with a small number of Fractional CFO clients at a time so each engagement receives the focused attention it requires.
Your team Fractional CFO leadership, Controller oversight, and accounting support, scoped to the engagement.

For founders and CEOs facing consequential decisions around cash, profitability, hiring, pricing, expansion, financing, or a potential capital event—and who need financial leadership without hiring a full-time CFO.

Includes everything in Fundamental and Strategic, plus the CFO advisory layer below.

What changes for you

You know which financial priorities deserve attention now.

Cash pressure, profitability, debt, pricing, capacity, and operations are often connected. We assess the financial health of the business, identify the one to three priorities with the greatest potential impact, and determine what is driving them.

The priorities become a concrete financial plan.

We translate each agreed priority into financial targets, specific actions, responsible owners, and 30/60/90-day milestones. Instead of receiving a long list of general recommendations, you have a focused plan for the issues that matter most now.

Forecasts and reporting become active decision tools.

The budget, cash forecast, scorecard, and management reports established through the Strategic tier are used to evaluate tradeoffs before you commit resources. When assumptions or conditions change, we update the analysis and help you understand what the change means for the decisions in front of you.

You can see whether the plan is working.

We compare actual results with the agreed targets, monitor the operational and financial drivers behind the results, and adjust the next actions as new information emerges. Progress, constraints, and decisions requiring attention remain visible.

You gain a financial partner for high-stakes decisions.

Your Fractional CFO works alongside you on the financial dimensions of decisions such as hiring, pricing, expansion, financing, owner compensation, capital investment, or a potential transaction. Scenario modeling and strategic analysis happen before the decision—not in a report delivered after the fact.

You are better prepared for external financial conversations.

When included in the engagement, we develop the reporting and financial analysis needed for conversations with lenders, boards, investors, or transaction advisors and can participate alongside you.

What's added

  • Initial financial-health and strategic-priority assessment
  • Root-cause analysis of the agreed financial priorities
  • One to three prioritized financial objectives
  • Financial targets and 30/60/90-day action plan
  • Strategic scorecard tracking the business drivers connected to the priorities
  • Monthly target-to-actual and progress review
  • Decision and scenario modeling
  • Active cash, liquidity, and working-capital planning
  • Decision-driven forecast updates and reforecasts
  • Profitability, pricing, cost, labor, and capacity analysis as applicable
  • Strategic financial guidance tied to the agreed priorities
  • Quarterly 90-day outcome review and priority reset
  • Board, lender, investor, or transaction-support reporting when included
  • Semimonthly meetings

Available enhancements

  • Weekly meetings
  • Additional decision or scenario modeling
  • Board, lender, investor, or transaction-meeting participation beyond the included scope
  • Payroll processing
  • Accounts payable
  • Accounts receivable
  • Sales tax reporting
  • Receipt management

When you have an accounting team but need senior financial leadership.

Most clients receive Fractional Controller or Fractional CFO support through our Strategic and Transformative tiers, where senior oversight is integrated with EO’s accounting work. Some businesses already have capable internal accounting staff or an established external bookkeeping team and want to add higher-level oversight without replacing that relationship.

For those businesses, we selectively offer standalone Fractional Controller and Fractional CFO engagements.

Fractional Controller

Senior oversight and review layered onto the accounting work your existing team already performs.

Provides

  • oversight of the month-end close
  • review of financial statements and material balance-sheet accounts
  • reporting analysis
  • internal-controls recommendations
  • guidance for the existing accounting team

Fractional CFO

Forward-looking financial leadership focused on the business’s agreed financial priorities and significant decisions.

Depending on the engagement, may include

  • decision and scenario modeling
  • cash and capital planning
  • forecasting
  • profitability and pricing analysis
  • financial targets
  • strategic guidance around hiring, expansion, financing, owner compensation, or other consequential business decisions

Standalone CFO engagements require a reliable accounting and Controller-level reporting foundation. They are scoped around defined financial objectives and do not replace management, legal counsel, investment advisors, transaction professionals, or other specialized advisors.

Because the underlying accounting is performed outside EO, standalone Controller and CFO engagements begin with a Financial Clarity Assessment. We evaluate the quality and timeliness of the financial records, close process, reporting structure, and existing team before defining the appropriate scope.

The difference clarity makes.

The same business, with access to the same financial data, can operate two very different ways. The difference is not simply whether the reports exist. It is whether the numbers are reliable, understood, and actively used to guide decisions.

Without Financial Clarity

Books that sit half-reconciled, so you are never quite sure the numbers are right

A month-end close that drags on for weeks, with reports arriving late or not at all

Financials going to a lender or board with no senior review behind them

No clear view of which locations, services, entities, or operating drivers actually make money

Hiring based on gut feel

Revenue growing while cash remains tight

Late reactions to tax exposure, margin erosion, or other emerging concerns

Uncertainty about what owner compensation or distributions are sustainable

A capital event approaching with the financial story still unwritten

With Financial Clarity

Accounts within scope reconciled through a consistent monthly close process

Fundamental

Financial reports delivered on schedule, with a plain-English explanation of what happened

Fundamental

Notable changes and open issues surfaced in the Financial Insights Report

Fundamental

Controller-level review completed before financials are delivered

Strategic

Specialty reporting built around the locations, services, entities, or operating drivers included in scope

Strategic

Financial trends, reporting inconsistencies, and emerging concerns identified and explained

Strategic

Cash forecasts and budget-to-actual reporting used to make upcoming needs and performance gaps visible

Strategic

Hiring, pricing, expansion, and other consequential decisions modeled before commitments are made

Transformative

Financial priorities translated into targets, assigned actions, and 30/60/90-day milestones

Transformative

Cash, capital, and other significant uses of resources evaluated against the business’s financial capacity

Transformative

Progress measured against the agreed action plan, with recommendations adjusted as actual results emerge

Transformative

What lands in your inbox each month.

Every month you receive the financial reports included in your tier, plus a plain-English read on notable changes and items to watch. Specific deliverables depend on your tier, reporting needs, and selected enhancements. Strategic engagements add customized management reporting. Transformative engagements add the priority, target, and action tracking used to guide ongoing CFO advisory.

Industry Performance Dashboard, Illustrative Sample
BCBA Caseload (avg)14.2 clients
RBT Utilization78% (target 80%)
Payor Mix62% commercial / 38% Medicaid
Profitability by PayorCommercial 24% · Medicaid 9%

Illustrative sample. Specialty reporting varies by industry and the tier and options selected.

Financial Insights Report, Illustrative Sample
Revenue vs. Prior Month+6.2%
Gross Margin41%, on target
Largest Expense ShiftPayroll +$4,100
Flagged for ReviewA/R over 60 days

Illustrative sample only. Actual insights reflect your business.

Inside Transformative Advisory

The tools that keep priorities, decisions, and progress visible.

You do not need a hundred disconnected recommendations. You need clarity on the financial issue that matters most, the factors driving it, and the actions most likely to improve it.

Our Transformative advisory process keeps the engagement focused on one to three priorities, the financial targets behind them, and the next actions required. Depending on the engagement, the reporting may include financial-health diagnostics, decision scenarios, cash forecasts, action plans, and progress tracking.

Business drivers selected for the agreed financial priorities
Green, yellow, or red status on each driver
Financial targets and actual results
Progress against 30/60/90-day milestones
One to three prioritized actions for the next 30 days
Diagnose: Financial Health Assessment
Sample Financial Health Assessment showing an overall grade with component grades for access to cash, resource use, debt load, and staying power, plus priority improvement areas

Illustrative samples. Specific analyses, reports, and tools depend on the engagement scope, available data, and agreed financial priorities.

Tax services, priced separately, integrated operationally

Tax strategy that runs year-round, not in the last week of March.

Most tax surprises come from work that didn't happen until it was too late to change anything. Our tax services layer onto any tier, priced separately from your monthly engagement but delivered by the same team that knows your books.

Owner compensation review
Tax preparation
Tax planning & strategy
Accountable plan structure
Entity & structure strategy
1099 preparation

See full tax services →

Project-based support

Facing one specific decision? We scope just that.

Financial Advisory Projects scope a single decision with a defined deliverable and fixed fee. Used when the business doesn't need ongoing service but needs a real answer to one question.

Explore Advisory Projects →

Not sure which tier fits?

Start with a Discovery Call. We talk through your situation, what you're trying to accomplish, and what kind of engagement makes sense. If a Financial Clarity Assessment is the right next step, we'll confirm that on the call.

Book a Discovery Call

EO provides accounting and business advisory services only within the scope of each engagement. Management retains responsibility for all business decisions and for the accuracy and completeness of the information provided to EO. Forecasts, models, business-value planning estimates, and other analyses are based on assumptions and available information and are not guarantees of future results.

EO is not a CPA firm and does not perform audits, reviews, compilations, examinations, agreed-upon procedures, attest engagements, or any other assurance services, nor does EO express an opinion, conclusion, or other form of assurance on financial statements, internal controls, forecasts, or other information. Controller-level review is an internal quality-control procedure only and does not constitute an independent CPA review or other assurance engagement.

EO also does not provide legal, investment-banking, securities, investment-advisory, brokerage, or formal valuation or appraisal services. When such services are needed, they must be separately engaged with an appropriately licensed or qualified professional.