Profit is up. Cash is not.
Receivables, debt principal, equipment, tax payments, and owner draws can absorb profit before it ever reaches the bank.
CPA + Virtual CFO for small business owners
Hacking CPA turns disconnected books and backward-looking reports into a financial operating system you can run the business on—with clearer cash flow, true profit visibility, and proactive tax planning.
The owner-operator gap
Compliance tells you what happened. Running the business requires knowing what it means, what happens next, and which decision your cash can support.
Receivables, debt principal, equipment, tax payments, and owner draws can absorb profit before it ever reaches the bank.
Without profit by service line, customer, or job, the work keeping everyone busy may be the work suppressing margin.
Good records and current forecasts make estimated payments and year-end planning part of the operating rhythm instead of a surprise.
Hiring, pricing, expansion, and equipment decisions need scenarios tied to real accounts—not instinct alone.
What Hacking CPA builds
Not more reports. A focused set of numbers that answers the questions in front of you.
A rolling view of what is coming in, what must go out, and how much room the business actually has.
Reporting organized around how you operate so you can see which customers, jobs, or services create value.
Forward-looking models that put hiring, expansion, owner pay, and tax exposure into the same conversation.
The five-step system
The initial engagement runs about 90 days. We diagnose the gaps, agree on the decisions the system must support, rebuild what is broken, and move into an ongoing CFO cadence.
Examine the reports, accounts, integrations, and habits feeding your numbers. Find where the story breaks and why.
Profit-to-Cash Deep DiveDefine the decisions coming over the next twelve months and map the financial views needed to make them well.
The Money MapRewire the chart of accounts, reporting cadence, and cash model so the books reflect operational reality.
Financial System RebuildClose a full month on the new system, tune what it exposes, and learn to read cash, profit, and scenarios together.
Financial DashboardMeet monthly with a CPA to pressure-test the next decision, model its cash impact, and keep the system honest.
Monthly CFO CadenceWhat changes
You leave with a clearer operating rhythm, not a binder that disappears onto a shelf.
A specific fit
Operator-minded accounting
Bruce has worked inside operations and finance, helped businesses navigate growth and major decisions, and built his own firm around the same principle: clean systems, real numbers, and decisions you can trust.
This is not an associate handoff or a report dropped into your inbox. The engagement is designed to feel like a virtual CFO relationship—direct, practical, and tied to the choices you are making now.
Sound financial fundamentals
The SBA identifies proper bookkeeping, a working understanding of business finances, and cash-flow projections as core parts of managing a sustainable business.
Read the SBA guidanceThe IRS says good records help owners monitor progress, prepare financial statements, track deductible expenses, and support what appears on the return.
Read the IRS recordkeeping guidanceFederal income tax is pay-as-you-go. For many owners, accurate forecasting and timely estimated payments are essential to avoiding preventable surprises and penalties.
Read the IRS estimated-tax guidanceFrequently asked questions
Bookkeeping records activity. This work uses clean records to build cash forecasts, profit-by-segment reporting, decision scenarios, and a monthly CFO conversation. The point is not only to close the month; it is to help you run the next one.
The repair and rebuild runs about 90 days. You begin seeing useful cash and profitability views during the process, then move into a monthly review cadence once the system is working.
For existing clients, books are kept tax-ready and exposure is flagged throughout the year. Tax planning and return preparation are priced separately and become available once you are a client.
Yes. The work is operational—financial-system repair, cash modeling, profit clarity, and monthly CFO review—so Hacking CPA works with owner-operators nationwide.
Nothing formal. In 30 minutes, you can explain where the numbers feel unreliable, which decision is creating pressure, and what you want the business to make possible next.
A clear next step
In 30 minutes, you and Bruce can identify what your current numbers are missing, whether the 90-day rebuild fits, and what a sensible next step looks like.