Why We're
Different
Most accounting and advisory firms have read about running a business. We've actually done it — at scale, under pressure, with real consequences.
Montana-Based. Serving Clients Nationwide.
The Honest Difference
Information is a commodity.
Judgment isn't.
In today's world, any business owner can find a tax checklist, a cash flow template, or a list of S-Corp election rules in seconds. AI can generate a financial model in minutes. What it cannot replicate is the judgment that comes from having operated at scale — from having made decisions where being wrong had immediate, measurable consequences.
That is the foundation of 406 Consulting Group. Not credentials. Not software. Not a process. Judgment — built from real operational experience that most financial advisors have never had.
Typical CPA Firm
Compliance-focused. Records what happened. Files returns. Rarely proactive.
Typical Fractional CFO
Fractional CFO support can underperform when strategy is layered onto weak reporting, inconsistent books, or missing financial infrastructure.
406 Consulting Group
Operational intelligence first. Build the infrastructure, then drive strategy on top of it. Systems that hold up under scrutiny.
The People Behind It
Not accountants who read about business.
Operators who've run it.
The judgment gap between 406 and a typical firm starts here — with two founders whose careers were built inside complex, high-stakes operations before they ever advised a small business.
Carrie Anderson — Co-Founder
Built-In Business Instinct
300+ commercial loans analyzed as an active contracted analyst for a Montana community bank — she brings the lender's perspective to every client financing conversation.
Her work has held up in review environments involving firms such as KPMG and Wipfli. Her quarterly bank call report model drew sustained regulatory scrutiny over two years and held up through that review, reinforcing its accuracy and structure.
Grew up in a family that acquired, fixed, and sold businesses. Gas stations, retail properties, commercial real estate. Operational instinct isn't a credential — it's a background.
“If you can think it, I can build it.”
Jason Anderson — Co-Founder
Enterprise Experience.
Small Business Focus.
At BP, Jason identified more than $75M in unbilled inventory and built the reconciliation process used to recover it. The system was later rebuilt as a web application and remains in use more than 25 years later.
Managed ~1M barrels every five days on Colonial Pipeline. Operated at a scale where a bad decision cost millions — and built the analytical discipline that comes from that environment.
B.S. Accounting · 10+ years tax preparation. The operational background is backed by formal accounting credentials and deep applied tax experience.
Coordinated multi-contractor, multi-agency fuel operations at enterprise scale — scheduling ship and barge movements, managing federal and state compliance, performing to contracts, and reporting directly to BP executives.
“The numbers are only as good as the systems behind them.”
What to Expect
How an Engagement
Actually Works
We don't start with a service menu. We start with an honest look at where you are — then build what needs to exist before strategy can work.
Understand before prescribing
Business Readiness Review
We start with a structured conversation about your business — your financials, your operations, your goals, and the gaps between where you are and where you want to be. No assumptions. No pre-packaged solution. Just an honest assessment of what's working and what isn't.
Typically 60–90 minutes. No obligation.
Schedule yours →Infrastructure before strategy
Build the Foundation
Most businesses that come to us have a foundation problem — books that aren't clean, reporting that doesn't tell the real story, or systems that break under growth. Before we advise on strategy, we build what has to exist first: accurate financials, clean reporting, and the operational visibility you need to make good decisions.
Scope and timeline defined together based on your actual gaps.
Ongoing partnership, not a one-time project
Operate and Advise
Once the foundation is in place, we become an ongoing strategic partner — monthly reporting, cash flow forecasting, lender relationships, growth planning, and the kind of proactive advice that prevents problems before they become crises. We stay in your business, not just your inbox.
Engagement structure scales with your stage and needs.
Results That Hold Up
What This Experience
Looks Like in Practice
These are not hypothetical outcomes. They are specific results from specific engagements.
$8M to $40M
Construction Company Revenue Growth
Multi-year CFO engagement. Built the financial infrastructure — job costing, cash flow forecasting, reporting architecture — that made the scaling possible without operational breakdown.
See the full story45 Days
From the Edge of Closing to Stabilized
A trucking company was 45 days from running out of cash when Carrie stepped in. She identified the cash flow gaps, restructured the reporting, and stabilized the business. It's still operating today.
See the full story$7M SBA Outcome
From Bank Rejection to a $7M SBA Financing Outcome
An auto body group with five locations and several entities needed a $7M SBA loan. Their prior CPA's forecasts weren't bank-grade. Carrie rebuilt the books, delivered SBA-standard projections, and got the loan closed.
See the full story25+ Years
A System Still in Use
Jason built an inventory reconciliation system at BP that Accenture was brought in to replicate as a web-based tool. It has been in use for more than 25 years. That's what it looks like when you build something right.
Our Philosophy
We Build.
We Don't Just Advise.
Fractional CFO support can underperform when strategy is layered onto weak reporting, inconsistent books, or missing financial infrastructure. The result is advice that doesn't take hold because the foundation isn't there to support it.
406 Consulting Group was built on a different model: assess where you are, build what's missing, then drive strategy on top of infrastructure that actually holds. Every client engagement starts with understanding the gaps — not with a service menu.
Operational First
We look at the processes and decisions underneath your financials, not just the numbers themselves.
Infrastructure Before Strategy
Strategy without infrastructure is expensive conversation. We build the foundation that makes strategy executable.
Scrutiny-Ready
Our work holds up under due diligence, regulatory review, and lender scrutiny — because it's built right from the start.
Built for Your Scale
We've worked at enterprise scale and at startup scale. We know what each stage actually requires — and what's overkill.
Honest Assessment
We tell you what we see, not what you want to hear. That's what you're paying for.
Who We Work With
This isn't the right fit for every business.
We work best with owner-operated businesses between $1M and $50M in revenue that are serious about building financial infrastructure — not just looking for someone to file their taxes. If you want a firm that will challenge your assumptions, build systems that last, and tell you the truth about your numbers, we're the right fit.
Good fit
- $1M–$50M revenue
- Owner-operated
- Growth-minded
- Open to being challenged
- Wants infrastructure, not just compliance
Industries we know well
- Construction & General Contractors
- Trucking & Transportation
- Hospitality & Restaurants
- Landscaping & Trades
- Professional Services
Not a fit if you…
- Want the cheapest option
- Only need annual tax filing
- Aren't open to changing how you operate
- Want to be told everything is fine
- Prefer to stay in the dark
In Their Own Words
What Clients Experience
“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.”
Multi-Location Ice Cream Shop Owner
S-Corp Election & Tax Planning
“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.”
Multi-Location Ice Cream Shop Owner
Year-Round Financial Planning & Mortgage Readiness
“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
Financial Analysis & Advisory
“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
Business Turnaround & Financial Advisory
Client identities kept confidential per our standard practice.
Ready to Talk?
See What This Experience
Looks Like in Your Business
A Business Readiness Review is a structured conversation about where your financial infrastructure stands today, what's holding you back, and what to build first. No obligation. No sales pitch. Just an honest assessment.