FP&A — Financial Planning & Analysis
Forward-looking finance, layered on your books.
Your account services — bookkeeping, payroll, tax — keep the record of what happened. FP&A is the layer on top that looks forward: cash-flow forecasting, budgeting and variance, and the scenario work behind real decisions (can I hire, can I afford this, will I make payroll, should I take the loan). It is an add-on to your basic account services, matched to the size and complexity of your business.
FP&A is not reporting
FP&A is not reporting. Reporting looks back — what happened. FP&A looks forward — what to do about it.
It layers on your books
It sits on top of your account services. As we optimize those systems over time, the routine cost of keeping the books comes down, and that capacity moves into the forward work.
Three tiers, matched to your business
The right tier is the one that fits the size and complexity of your business — not a question of how much you spend. A simple one-entity business belongs in Pulse; a complex multi-entity group belongs in Command. If you land in the wrong one, we move you.
all-in, on top of account services
A single-entity small business with clean operations whose owner wants to see what's coming, not just what already happened — a rolling cash-flow view, a budget to measure against, and a plain-English read each month.
What this isall-in, on top of account services
A growing business making real decisions — hiring, equipment, financing, pricing — where the owner wants a CPA working the numbers with them every month, not just sending a report. Often a single entity or two with some complexity.
What this isall-in, on top of account services
A larger or multi-entity business — multiple sets of books, lender or regulatory reporting (e.g. accrual financials for Medicare cost reports), an active reorganization, or a multi-year plan to build toward a sale. The kind of work a fractional CFO does.
What this isHow pricing works
Prices are shown all-in — one number, not a stack of separate bills. At Command, your business tax returns are included. Inside the engagement, tax preparation is always a fixed component, so any value-based pricing applies only to advisory work and never to the returns themselves.
FP&A is an add-on to JMCPA account services. Informational — not an offer, guarantee, or tax/financial advice. Josh Mauer CPA LLC, a Kansas-licensed CPA firm.