Cash flow forecasting
Cash visibility
A 13-week cash model wired into your real accounts, so runway, payroll cushion and deployable cash are never a guess.
- Rolling 13-week forecast
- Owner vs. operating cash
- Weekly variance review
Schedule a strategy call
30 min · free
Virtual CFO for owner-operators
Financial clarity that drives growth.
Better decisions. More cash. More profit. More control. We repair and rebuild the financial system behind a $500K–$5M business so you stop flying blind.
Profit to cash
“We're profitable. So where did the cash go?”
Bruce Hacking, CPA
The advisor who reads the numbers with you
Income statement says profit$312,000
Where it went
Into receivables and work in progress$132,000
Out to debt principal and equipment$106,000
Out to owner draws and estimated taxes$98,000
Total$336,000
So the bank balancefell $24,000on a year the income statement called profitable
Sample client · Service Co. · FY2026 · Numbers illustrative
A direct introduction
Before you read anything else, hear it from the CPA doing the work.
No slides. No funnel. Just where the profit actually went, how the 90-day repair and rebuild works, and whether a 30-minute conversation is worth having.
- You work directly with Bruce
- Eighty seconds, not a webinar
- A fit call only if it lands
What we fix
Three things every owner wants — and most never get.
You don't need more reports. You need a system that tells the truth, and a CPA who reads it with you.
Job & segment profitability
Profit clarity
We rebuild your income statement by service line, customer or job, so you can see what's funding the business and what's eating it.
- Profit-by-segment view
- Margin & contribution analysis
- Pricing decision support
Virtual CFO
Decision confidence
Can you afford the hire? The expansion? The equipment? We model it against your real numbers so you decide with conviction.
- Hire & expansion models
- Tax-positioned scenarios
- Monthly CFO review
The five-step system
We plan the rebuild before we touch anything.
A five-step system: 90 days to repair and rebuild it, then a monthly cadence that keeps you in control as the business scales.
Days 1–14
Step 1
Discover
We open the hood. A full financial systems discovery — every report, account, integration and habit feeding your numbers gets examined. We find what's lying, and why.
Core deliverable
Profit-to-Cash Deep Dive
Days 15–30
Step 2
Plan
Before anything gets repaired or rebuilt, we agree on what we're building and why. Which decisions are actually in front of you over the next twelve months, what the numbers have to tell you to answer them, and what the system has to do to get there. You approve the map before I touch anything.
Core deliverable
The Money Map
Days 31–60
Step 3
Repair & Rebuild
We change what's broken and leave what works. The chart of accounts, reporting cadence and cash model get rewired to the map — so the numbers reflect operational reality, not accounting convention.
Core deliverable
Financial System Rebuild
Days 61–90
Step 4
Optimize & Refine
A full month closes on the new system and we tune what the close exposes. You see the business in three views — cash, profit-by-segment and decision scenarios — and we walk through it together until you can read it without me.
Core deliverable
Financial Dashboard
Day 91+
Step 5
Momentum
Monthly review with a CPA — not a clerk. We pressure-test the decision in front of you, model what it does to cash, and make the call while it still matters.
Core deliverable
Monthly CFO Cadence
Who this is for
We're not for everyone. That's the point.
A specific system for a specific operator. Being honest about both saves everyone time.
Yes — built for you
Owner-operated, $500K–$5M, and tired of guessing.
- $500K–$5M in annual revenue, and you own it
- Established and functioning — not a startup, not survival mode
- You have numbers but you don't fully trust them
- You want to understand what they mean, not just have them filed
- You'll invest to fix it properly rather than duct-tape it
If four of those five are you, we should talk.
Probably not us
Real needs. Just not the work we do.
- Under $500K — usually a bookkeeper's job, not a repair and rebuild
- Price-shopping for the lowest bookkeeping quote
- Want to be taught data entry — we teach you to read the numbers and make the call
- Want a tax outcome promised before anyone has seen the books
- “Just this one cleanup, then we're done”
All legitimate. There are good firms for every one of them, and I'll point you at one.
Not sure which side you're on? Still worth a conversation. Thirty minutes will tell us both whether this is the right fit — and if it isn't, I'll point you to someone it is.
How clients describe the problem
“I feel like I'm flying blind.”
“I don't trust what my bookkeeper tells me.”
“We're making money — but where did it go?”
“I only hear from my accountant when something's due.”
“I need to know if I can afford this hire.”
“My income statement doesn't match my bank account.”
“I'm making these calls on my own.”
“I'm tired of guessing.”
The person you'll work with
I've sat in your chair too.
Years of it inside other people's companies, then once more for my own firm. Yours is next — and when you book a strategy call, you talk to me. No funnel, no associate handoff.
01For them.For years I ran operations and finance inside other people's companies. Every one of them, the same job — find where the money was leaking, tighten the operation, make it more profitable.
02For me.Then I built this firm on the same thing that worked there. Clean systems, real numbers, decisions you can actually trust.
03For you.Now the same repair and rebuild, for your business — ninety days, then a standing monthly conversation about what the numbers mean.
Clients
Nationwide
In practice
Since 2007
Family
Married 32 yrs · 7 kids
Off-hours
In the garden · on the ambulance
MAcc, Taxation · MBA · Licensed CPA
On the operating side since 1993 — credit and collections manager to COO, CFO and SVP
Founder & principal
Bruce Hacking
Certified Public Accountant
I've spent my career doing this for other people first. At a consumer finance company I helped take the footprint from fourteen locations to forty-one across seven states. At a computer retailer I ran production and then all nine stores — moved the plant to lean manufacturing, cut inventory in half, rebuilt the accounting, and found the stores that were quietly losing money.
Then a software company called PlanSwift, where I came in as CFO. They'd just done $2.4 million, had fourteen employees, and the books were a mess. A year in, I helped plan and execute a merger. After that I moved over to run operations. By the time we sold, we were past $14 million in revenue with a hundred and forty employees across two locations — and I stayed on through two more acquisitions, the last one to Oracle. Same job, four different names on the letterhead.
In every one of them the work was the same: find where the money was leaking, tighten the operation, make it more profitable. I wasn't reporting the numbers. I was the one who had to act on them.
Then I did it for myself. I built my own firm on the same principle that worked everywhere else — clean systems, real numbers, decisions you can actually trust. A few years back I went looking for a practice of my own, one where the people I worked with would feel like family and the community would feel like home. I found that here in Utah.
Now I want to do it for you. My engagements look more like a virtual CFO than a once-a-year filing service, because that's the work that actually moves the needle.
Bruce and his team were very thorough in getting my tax returns filed. They were also very patient as I had to wait for a corrected form from my past employer.
ServicesIndividual income tax return preparation
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Bruce Hacking has helped me with my taxes for several years now. I keep going back every year because he does an amazing job. He stays current with changing tax laws and helps answer my questions with a deep level of understanding. I would highly recommend Hacking CPA!
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Always have a great experience with Bruce. Very professional. He answers all our questions and concerns. We appreciate how he keeps up on tax law and provides a very expert service. Hacking CPA makes tax time a breeze.
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Schedule a strategy call
30 minutes. No prep required.
A working session, not a sales call. You describe the gap; I'll tell you whether a repair and rebuild fits — and what it would look like for your business.
- Bruce Hacking, CPA — directly
- Free, with no obligation
- 30 minutes over Zoom
- Honest fit assessment
- If we're not a fit, I'll say so
Or email [email protected]
Four quick questions
Let's see if you're a fit.
Takes about 30 seconds.
Step 1 of 5
Roughly what's left after everything. “Not sure” is a perfectly normal answer.
Pick any that ring true.
I use your email and mobile to confirm the call and to reach you if we get disconnected. I don't sell them and I don't share them. Ever.
Submission received
Thank you. We’ve received your information.
We’ll review your responses and follow up with you shortly if your business is a fit for Hacking CPA.
Common questions
Anything else on your mind?
If your question isn't here, bring it to the call. Honest answers are part of the work.
How is this different from a bookkeeper or my current CPA?
Bookkeepers record. CPAs file. Neither one has sat in the chair where the decision actually gets made. I spent years running operations and finance inside other people's companies before I built my own firm the same way. So the deliverable isn't a tax return. It's a system you can run the business on, and someone who has built it before reading it with you every month.
What does an engagement cost?
Three tiers, set by where the business is and how much weight the decisions carry.
Foundations partnerfrom $950/mo · $1,900 at signing
$500K–$1M. You're still wearing most of the hats, with a handful of people and books that mostly function but that you don't fully trust. Decisions get made a month at a time, because that's as far ahead as the numbers let you see.
Growth partnerfrom $2,200/mo · $4,500 at signing
$1M–$3M. There's a real team and a real payroll now, and the calls have started to carry weight — a hire, a piece of equipment, what to charge. The questions have gotten bigger than the reporting can answer them, and being wrong costs more than it used to.
Strategic partnerfrom $4,500/mo · $8,000 at signing
$3M–$5M. Headcount keeps climbing and the bets keep getting bigger. You're making calls you'll live with for years — a key hire, a major investment, bringing in a partner, and eventually what happens to the business. You want a CFO in the room, not a report in your inbox. This is the closest thing to having one without the salary.
Tax planning and return preparation are priced separately and open up once you're a client. If the numbers don't fit your business yet, I'd rather say so on the call than after.
My books are a mess. Is that a problem?
No. It's the normal starting condition, and the repair and rebuild assumes it. What we don't do is clean it up once and hand it back — if the books need serious work first that can push the ninety days out, and we'll tell you that before we start rather than halfway through.
Do you specialize in an industry?
No, and that's intentional. We niche by operational profile: $500K–$5M owner-operated businesses with real complexity — employees, payroll, multiple revenue streams. The system is the same regardless of what you sell.
How long until I see results?
The initial repair and rebuild runs about 90 days. You'll have a working cash model and profit-by-segment view inside the first month, with the full system handed over by day 90. Then we move to the monthly cadence.
Do you do tax prep, too?
Yes — for clients we already work with. Your books are kept tax-ready year round and we flag exposure as we see it, so April is never news. Tax planning and return preparation are priced separately and open up once you're a client. The return is a downstream artifact of clean operations, not the product itself.
I'm in another state. Can we still work together?
Yes. The work is operational — financial system repair and rebuild, cash modeling, profit clarity, monthly CFO cadence — and isn't bound by state lines. We work with owner-operators across the country.