You Have Fallen Behind
Months of receipts in a drawer and a file nobody has touched since spring. We start from wherever you actually are and rebuild it, without the lecture.
Financial Clarity For Business And Life
Know what your business is actually doing, while there is still time to act on it. Clean books, current numbers, and a straight answer when you need one.
QuickBooks ProAdvisor Certified Fractional CFO Serving 20 Ohio counties and virtual clients In practice since 2021
Bookkeeping And Fractional CFO Support In Chillicothe, OH
Most owners do not call a bookkeeper because they love bookkeeping. They call because something has gone quiet, or a bank has asked a question, or the business grew past the point where a shoebox and a hunch still work.
Your Reports Went Quiet
You are paying someone and you have not seen a statement in a quarter. Current numbers are the whole point, and waiting three to six months for an update is not a service.
You Are Starting Out
New business, and you would rather build the habit correctly than unpick two years of it later. The chart of accounts you set up now decides what your reports can tell you.
Someone Is Asking For Numbers
A bank, a lender, an investor or your own tax preparer wants documents, and you need them to hold together the first time you hand them over.
We Do One Thing, And We Do It All The Way
The owner puts it plainly: we provide financial clarity in life and business, and that is it. Nothing else gets bolted on. That focus is deliberate. It is why the books get closed on time instead of whenever the busy season lets up.
What it means for you is timely data you can make quality decisions with, rather than waiting three to six months to find out where you stood. We clean things up, and we make sure you understand the story your own business is telling on the financial side, and what the next decision does to it.
- Books closed on a rhythm you can plan around
- Statements written to be read, not filed
- Numbers ready for a bank, a lender, an investor or your own tax preparer
- Someone to think a decision through with before you make it
Certified Fractional CFO
Association of Chief Financial Officers. The advisory half of this practice is credentialed, and the credential is one you can look up rather than take on faith.
Cole holds it as an outside advisor to your business, which is the only way this practice works with owners.
How We Help
Five areas of work, and every service inside them is one we actually perform. Nothing here is a placeholder for something we would figure out later.
Bookkeeping
The monthly discipline that everything else rests on. Transactions coded correctly, accounts reconciled, statements that agree with the bank, and a file you could hand to a lender without apologizing for it.
Monthly Bookkeeping · Quarterly Bookkeeping · Annual Bookkeeping · Catch-Up And Cleanup Bookkeeping · and 7 more
See what this coversAccounting And Financial Reporting
Where bookkeeping stops being record-keeping and starts answering questions. These are the reports that tell you what happened, what is coming, and which parts of the business are carrying the rest.
Monthly Financial Reporting Package · Cash Flow Analysis And Forecasting · Budget Preparation · Budget Vs. Actual Reporting · and 3 more
See what this coversCFO And Advisory
An outside advisor who sits on your side of the table. Cole is a Certified Fractional CFO and works with owners as an outside partner, not as a member of their staff.
Fractional CFO Services · Business Financial Planning
See what this coversIndustry Specialties
Two areas where the books have their own shape and generic bookkeeping falls apart quickly. We work in both regularly.
Real Estate Investor Bookkeeping · Construction Accounting
See what this coversBookkeeping
- Monthly Bookkeeping
- Quarterly Bookkeeping
- Annual Bookkeeping
- Catch-Up And Cleanup Bookkeeping
- Accounting Software Setup And Management
- QuickBooks Online Setup And Management
- QuickBooks Training For Clients
- QuickBooks Cleanup And Reclassification
- Bank Reconciliation Only
- Financial Statement Preparation
- Chart Of Accounts Setup
Owners We Work With
The ideal client does not see this work as an expense. They see it as the next step in growing the business, and they want a financial clarity partner alongside them when the next decision comes up.
Construction And Trades
Retail and commercial contractors who need job-level costing, not a year-end lump sum.
Real Estate Investing And Management
Investors and managers tracking results property by property across a growing set of doors.
Landscaping And Lawn Care
Seasonal businesses where the cash swings are the whole story and timing decides the year.
Retail Manufacturing
Makers who need cost of goods sold to be right before any pricing conversation is worth having.
Food And Drink Shops
Bakeries, coffee shops and small kitchens working on margins that leave no room for guessing.
Gyms And Wellness Centers
Membership revenue that looks steady on the surface and hides a lot underneath.
Insurance Agencies And Brokers
Commission, chargebacks and premium held for carriers, separated so the book reads straight.
Working Together From Anywhere In Ohio
The practice is built to run remotely, and most clients never need to be in the same room as us. Onboarding happens over a call and a shared file. The monthly cycle runs on your bank feeds and documents. Questions get answered by phone, email or video.
Our home market is Chillicothe, OH, and we work with owners across twenty counties in central and southern Ohio, including Waverly, OH and Circleville, OH. Everything is handled online and by phone.
See the counties we coverWhat Clients Say
Feedback shared with the firm, quoted as written. Named, dated reviews load below straight from Google.
Coles attention to detail is great, and he went the extra mile to figure out my unique scenario. He truly wants to help people and in turn help their business. Would highly recommend.
Cole is outstanding. He’s accurate, organized, and incredibly easy to work with. He keeps my books clean and gives me peace of mind every month. If you want a bookkeeper who actually cares about your business, Cole is your guy.
Professional, thorough, and honest. Would highly recommend. Utmost Financial has been a great partner for my business
Cole has been fantastic to work with. We were in need of someone to help us clean up our books as well as help us with day to day entries and to provide monthly reports so we could plan and budget better. Cole has delivered timely reports and he is very meticulous about his work. And better yet, he does so with great attitude and is a joy to work with.
The Personal Side Of Clarity
Alignment + Clarity = The Life You Desire
The business side is where most of our work sits, and it leads everything here. But the reason any of it matters is the life the business is supposed to pay for. Money decisions at home and money decisions at work pull on each other constantly, and pretending otherwise is how owners end up with a profitable company and no peace.
Clients who want that side looked at as well can bring it to the same conversation. The starting point is the same: get an honest picture, then decide from it.
Read more about how we work
Ready To Know Where You Actually Stand?
Bring us the mess or bring us a clean file. Either way, the first conversation is about your business, not a pitch.