You have been told you need a bookkeeper. Or an accountant. Or maybe a fractional Chief Financial Officer (CFO). Here is what nobody has told you: none of those categories were designed for what you actually face as a contractor.
| Dimension | CPA | Bookkeeper | Fractional CFO | Construction Financial Authority ★ |
|---|---|---|---|---|
| Primary Function | Tax preparation and compliance | Record transactions | Strategic financial oversight | Profit leak detection, financial architecture, weekly oversight |
| Contact Frequency | Annually at tax time | Monthly or weekly | Monthly advisory calls | Weekly — eyes on every transaction |
| Construction Knowledge | General | None | Variable | Direct CFO and COO experience in construction, roofing, and pool |
| Job Costing | Rarely | Never | Sometimes | Always — standard practice |
| WIP Reporting | Rarely | Never | Sometimes | Standard — included at Tier 2+ |
| Proactive Alerts | Never | Never | Sometimes | Yes — Will calls you when something needs attention |
| Enrolled Agent | Possibly | Never | Rarely | Yes — IRS representation included |
| Price Range | $5,000–$20,000/year | $300–$700/month | $3,000–$7,000/month | $1,000–$4,000/month |
| Who It's For | Everyone | General small business | $5M+ companies | $1M–$5M construction and trades |
Someone who keeps your books every week. Understands construction finance at the Chief Financial Officer (CFO) level. Actually finds the money you are losing before the year is over.
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