Small Business Financial Advisory
Small Business Financial Advisory
Running a profitable business takes more than good bookkeeping. Pierre acts as an outsourced financial partner, reading the numbers with you and turning them into decisions all year, not just at tax time.
A financial partner in the business every month, not once a year
Bookkeeping tells you what already happened. Financial advisory is the conversation that comes after it: what the numbers mean, where the cash actually went, and what to do differently next month. Pierre works with small business owners on a monthly or quarterly cadence, depending on how closely a business needs to be watched, covering cash flow analysis and forecasting, profitability and margin analysis, key performance indicator tracking, budgeting and expense optimization, and planning for growth and reinvestment. None of it happens once a year in April. It runs the same twelve months the business does, so a slow quarter gets caught while there is still time to do something about it, not read about it later on a tax return.
Who a financial partner is actually for
This is built for business owners who want more than someone to file a return once a year, the kind of owner who wants to understand their own numbers well enough to make a confident call on hiring, pricing or buying equipment before the decision is already made. It runs alongside tax preparation and tax planning for clients who want one person handling all three, and it works just as well on its own for an owner who already has a preparer but has never had anyone actually walk through what the numbers mean.
Pierre Alcegaire, Chambersburg, PA. Serving Franklin County in person and the rest of the country remotely. Call (717) 331-2154.
The floor, not the ceiling
4
Quarterly reviews minimum, monthly for clients who want closer eyes on the business
Four real conversations about the numbers every year, on top of tax season, is the floor. Clients who want the business watched more closely move to a monthly cadence instead, but the work never stops running just because the calendar isn't in April.
What's included
Six pieces, run together instead of separately
Monthly or quarterly reviews
A real conversation about the numbers, on a cadence that matches how closely the business needs to be watched.
Cash flow analysis and forecasting
Where the money is actually going, and what the next few months look like before they happen.
Profitability and margin analysis
Which parts of the business make money and which ones just look busy.
KPI tracking
The handful of numbers worth watching every month, tracked the same way each time.
Budgeting and expense optimization
A working budget the business actually uses, with the spending that doesn't earn its place trimmed out.
Growth and reinvestment planning
What to do with profit once there is some, instead of letting it sit or spending it without a plan.
The real difference
Bookkeeping and financial advisory are not the same job
Bookkeeping
Records what already happened. Transactions get categorized, accounts get reconciled, and at the end of the month there is an accurate picture of where things stand.
Financial advisory
Interprets what already happened and turns it into decisions. Cash flow forecasting, profitability analysis and forward looking planning use the same numbers a bookkeeper produces, just for a different purpose.
Financial advisory questions
If entity structure and owner compensation haven't been looked at in the last year, that's usually the bigger opportunity. See Business Tax Planning for the year round tax side of it, or send Pierre your numbers to start.