Most small business owners review their financial statements and feel like they’re reading a scoreboard — they know the final score, but they don’t know what caused it or what to do about it. Key Performance Indicators (KPIs) are the bridge between your financial statements and the management decisions that move those numbers. FJ & […]
Exit Strategy and Business Sale Planning for Utah Business Owners
The day you sell your business may be the largest financial event of your life — and most business owners spend less time preparing for it than they spend on a single tax return. The businesses that sell for the best prices, on the best terms, with the least stress are the ones that started […]
Fractional CFO Services for Utah Small and Mid-Sized Businesses
Most small business owners run their companies without a Chief Financial Officer — not because they don’t need one, but because a full-time CFO costs $150,000 to $250,000 per year in salary alone. The result is financial decisions made without strategic financial input: pricing guesses, cash flow surprises, debt taken at the wrong time, and […]
Business Restructuring Advisory for Utah Small and Mid-Sized Businesses
Business restructuring is not a sign of failure — it is often a sign of a business owner making smart strategic decisions before circumstances force them. Whether you’re reorganizing your legal entity structure, consolidating operations after a difficult year, managing through a revenue decline, or restructuring debt to improve cash flow, FJ & Associates, PLLC […]
Audit, Review, and Compilation Services for Utah Businesses and Nonprofits
Financial statements carry different levels of credibility depending on the level of independent CPA involvement. A lender, investor, government agency, or grant funder who receives financial statements wants to know: how confident can I be in these numbers? Audit, review, and compilation services exist to answer that question — each at a different level of […]
Reliable Monthly Bookkeeping Services for Growing Businesses
Monthly bookkeeping done right gives you a clear financial picture within days of month-end — every period, without fail. FJ & Associates provides full-service monthly bookkeeping for Utah businesses: transaction categorization, bank reconciliation, AR/AP management, and CPA-reviewed financial statements delivered on a defined schedule. 📞 (801) 927-1337 | Schedule a consultation → What Monthly Bookkeeping […]
Catch-Up Bookkeeping for Outdated or Incomplete Financial Records
Falling behind on bookkeeping is more common than most business owners admit. A busy season, a transition in staff, a move to new software, or simply deprioritizing financial admin — and suddenly you’re six months or two years behind. The longer it goes, the harder it gets to look at. FJ & Associates, PLLC specializes […]
A Complete Guide to Bank Account Reconciliation for Business Owners
Bank reconciliation is the process of matching your accounting records to your actual bank statements — confirming that every transaction recorded in your books appears on your bank statement and every bank statement transaction is recorded in your books. It’s the single most reliable way to catch bookkeeping errors, detect fraud, and confirm your financial […]
How to Automate Your Small Business Bookkeeping
Manual bookkeeping — entering every transaction by hand, categorizing from memory, reconciling from paper statements — is slow, error-prone, and an inefficient use of your time. Modern cloud accounting software automates the vast majority of routine bookkeeping tasks, freeing you (or your bookkeeper) to focus on review, analysis, and decision-making rather than data entry. FJ […]
Accounts Payable & Receivable Management for Small Businesses
Cash flow is the lifeblood of any business — and the two biggest drivers of day-to-day cash flow are accounts receivable (money owed to you) and accounts payable (money you owe). Managing both well is the difference between a business that always has cash when it needs it and one that’s constantly scrambling. FJ & […]
