From Operational Chaos
to Scalable Control
Many businesses are disappointed by CFO services because the financial foundation was never built first. We build the financial infrastructure that makes every dollar of strategic leadership count.
Montana-Based. Serving Clients Nationwide.
Some of the industries we serve
Owner-operated businesses across many sectors — not a complete list:
Don't see your industry? The financial challenges of owner-operated businesses are consistent across sectors — reach out.
Every Business Is Somewhere
on the Journey
Whether you're buried in receipts or preparing for acquisition, we've built a path for where you are today — and where you need to be tomorrow. Find your starting point.
PATH 1
“I'm Doing Everything Myself”
You started this business to build something — not to spend your weekends reconciling QuickBooks. Payroll is a guessing game, tax season is a fire drill, and you know the books aren't right. You need someone to take the financial weight off your shoulders.
PATH 2
“I Have a Bookkeeper, But No Visibility”
The books get done. Payroll runs. But when you need to know which jobs are profitable, which departments are bleeding cash, or whether you can afford that next hire — you're guessing. You don't need more data entry. You need financial structure and someone who turns numbers into decisions.
PATH 3
“I Need Strategic Financial Leadership”
You've tried a fractional CFO before — or you've been told you need one. But advice without infrastructure is just expensive conversation. You need a financial leader who builds the systems first, then drives strategy on top of them. That's the difference between reports and results.
URGENT
Same-Week Consultations“I Have an Urgent Financial Problem”
IRS notice. Tax lien. Payroll penalties. Back taxes you've been avoiding. Whatever brought you here, you need it resolved — fast, and by someone who's done this hundreds of times. We'll tell you exactly what's happening, what it will take to fix it, and how long it will take. No judgment. Just a plan.
Not sure which path fits? Get in Touch — we'll identify your best starting point.
Where Are You Now?
Three structural layers. One integrated system. Each builds on the last.
Ongoing Control
Controller Services → CFO Strategy (when ready)
Accessed over time as the foundation stabilizes. This is where financial leadership becomes a competitive advantage.
Interventions
M&A Support • System Implementation • Process Redesign • Cash Crisis
Scoped projects that address specific gaps. These are the targeted fixes that unlock the next level of growth.
Foundation
Bookkeeping • Payroll • Tax Prep • Tax Planning • Tax Resolution
Infrastructure, compliance, and stability. Without this, nothing above it works. This is where every engagement begins.
We meet you where you are — and build toward where you need to be.
Every engagement starts with understanding your business.
That's how we deliver results, not just reports.
Real Results, Real Businesses
We don't just advise — we build the infrastructure that transforms businesses.
How One Contractor Scaled from $8M to $40M Without Outgrowing Its Financial Systems
Owner went from chaos to control: Now signs checks once/month instead of being buried in daily operations
Scaled 5x without operational breakdown: Financial systems that grow with the business
From disorganized to acquisition-ready: Clean books and controller-level oversight
Selected client result. Details adapted for confidentiality.
See our General Contractors & Construction servicesFrom Bank Rejection to a $7M SBA Financing Outcome
CPA's forecasts rejected by the bank: We rebuilt the books and projections from scratch across 5 entities
SBA-grade lender package delivered: Bank-standard projections that positioned the deal to close
$240K annual debt savings: Restructured $7M in debt — saving $20,000 every single month
Selected client result. Details adapted for confidentiality.
See our Loan Readiness servicesInterim CFO Support Through Big 4 Diligence and Cross-Border Acquisition
Stepped in as Interim CFO: Stabilized financials after the internal CFO departed — no disruption to operations
Navigated KPMG due diligence: Represented the company through a Big 4 audit on behalf of the Canadian acquirer
Deal closed on the owners' terms: Clean books, clean process, clean exit
Selected client result. Details adapted for confidentiality.
See our CFO ServicesFree 5-Minute Tool
Not Sure Where to Start? Find Out in 5 Minutes.
Our Business Financial Maturity Assessment scores your business across four pillars: trustworthy numbers, operational control, decision rhythm, and system alignment.
Most owners finish in under 5 minutes and walk away knowing exactly which problem to solve first — and why.
Take the Free AssessmentNATIONAL REACH.
MONTANA ROOTS.
DISCIPLINED EXECUTION.
We support growing businesses nationwide through a disciplined, remote-first model that prioritizes clarity over proximity.
Whether you need to stabilize your foundation or architect your exit, alignment begins with a conversation.
Remote-First Model · Serving All 50 States
Zombie Cost Calculator
Enter your revenue and industry. Get an instant estimate of how much you're losing to costs that do nothing.
What Our Clients Say
What clients say about working with 406 — in their own words.
“When we came in to sign our taxes, Jason had already filled out the S-Corp election paperwork and walked us through exactly how it would save us $13,000 this year. We didn't ask for it — he just had it ready. That's not something we've ever experienced from an accountant before.”
Jessie — Multi-Location Ice Cream Shop Owner
Service: S-Corp election & tax planning · Outcome: Approx. $13,000 projected annual tax savings
“We'd been wanting to buy a house for a while but weren't sure if we were in the right position. Jason worked with us throughout the year to keep our financials on track. When we found the house, everything was already in order — no scrambling, no surprises at the bank. We closed.”
Small Business Owner — Service Industry
Service: Year-round financial planning · Outcome: Mortgage-ready financials, closed without issues
“Carrie is amazing. The analysis and the work she does is top tier. I've been in operations a long time and I know quality work when I see it.”
Jon — VP of Operations, Construction Company
Service: Financial & operational analysis · Outcome: Trusted by VP leadership in a multi-site operation
“I've worked with several consultants over the years. What blew me away was how quickly Carrie understood our entire operation — top to bottom — in less than a month. I've never seen anyone do that. Most people take six months just to figure out the basics.”
Steve — Owner-Operator Trucking Company
Service: Business turnaround & financial advisory · Outcome: Full operational understanding established within 30 days
Some client names are withheld for confidentiality.
Who We Work Best With
- Revenue between $1M and $50M — established enough to need real infrastructure
- Owner-operated businesses where the owner is still in the weeds
- Companies that are growing faster than their financial systems can handle
- Businesses preparing for financing, ownership transition, or a major operational change
- Owners who want to understand their numbers, not just receive reports
Who We're Probably Not For
- Startups or pre-revenue businesses — we build on existing operations
- We are best fit for businesses looking for a stronger financial partner, not just the lowest-cost option
- Owners who want reports filed but don't want to engage with the numbers
- Our best work is done in ongoing partnerships, not one-off filing engagements
Not sure if we're the right fit? Schedule a 30-minute call and we'll give you a direct answer.
When timing matters, we move quickly.
Cash flow crisis? Facing penalties? Losing control of your numbers? In the right circumstances, meaningful improvement can happen quickly once the reporting and control issues are addressed.
Ready to Build Your Financial Infrastructure?
Schedule a Business Readiness Review — direct, practical, and no pressure.
Get Started