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Owner of Utmost Financial in Chillicothe, OH. QuickBooks ProAdvisor, Certified Fractional CFO, and the person who will actually be doing your work.
In Cole's words: I provide financial clarity to business owners so they can show up more powerfully in the value they give to the market with their own business.
Utmost Financial started in 2021 for a plain reason. Financial management is almost always the first thing that slips once an owner gets busy selling. The work does not stop being important, it just stops being urgent, and by the time it becomes urgent again the picture is months out of date and someone is asking for statements.
Cole has spent eleven years in the field. Two of those were at a local accounting practice, two in financial management for a non-profit, and two in plant accounting. That is career history rather than a menu, and it is why the questions he asks about your business tend to be the ones nobody has asked before.
This is a one-person practice, deliberately. When you hire Utmost Financial, Cole is who you get on the call and Cole is who closes your books.
What that turned into is wider than bookkeeping. Cole is not just a bookkeeper, and clean books are the starting point rather than the product. The practice sits with owners on the goals they actually have for the business, works out what the numbers say about reaching them, and then names the next few moves in order. Financial clarity partner is the honest description: someone who keeps the record straight, reads it back to you in plain language, helps you set the goals, and points to the direction that reaches them.
What Cole actually holds, stated plainly.
Association of Chief Financial Officers. This is the credential behind the advisory work, and it is the reason a business owner can bring a real decision to this table instead of only a stack of receipts.
Cole carries it as an outside advisor to the businesses he works with, never as a member of their staff.
The monthly cycle, in the least glamorous and most useful terms: records in, accounts reconciled, statements out, conversation about what changed.
Before anything gets promised, the existing file gets opened and read. Half of what owners think is wrong turns out to be something else, and the other half is usually worse than they hoped. Either way you hear it straight.
Cleanup and the ongoing cycle are two different jobs. The history gets rebuilt and reconciled first so that the monthly rhythm afterwards is standing on something solid.
A statement nobody reads is a filing cabinet, not a service. The point is that you understand the story your own business is telling and what your next decision does to it.
Alignment + Clarity = The Life You Desire
The business side is the bread and butter of this practice and it leads everything on this site. Alongside it sits the personal side, because the two are never really separate. The business exists to fund a life, and when the numbers at home and the numbers at work are pulling in different directions the owner feels it long before the profit and loss shows it.
Clients who want that looked at can raise it. The method does not change: get an honest picture first, then decide from it.
Being useful means being clear about the edges. Utmost Financial is not a one-stop shop, and does not pretend to be one.
Feedback clients have 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.
One conversation, no obligation, and a clear answer about what would actually help.