Advisory & Fractional CFO

Financial clarity, all year round.

We don't only talk to you during tax season. We provide year-round financial clarity, real-time performance insights, and strategic guidance to help your business grow.

Most firms offer Bookkeeping or Tax. BookSmart delivers Accounting + Operational Insights + Forecasting & Strategy.

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Clear Expectations

What We Do & What We Don't

We partner alongside your tax preparer; our focus is strategy, growth, and the numbers that drive your decisions every month.

What We Do

  • Help growing service businesses understand cash flow, profitability, and financial performance in real time.
  • Financial performance reporting and advisory for growing medical and healthcare practices.
  • Proudly support women-owned businesses with consulting and strategy guidance for owners.
  • Year-round financial conversations; not just at tax time.

What We Don't Do

  • We don't prepare taxes or perform audits.
  • We don't provide attestation services.

Think of us as the financial strategy layer on top of your existing tax relationship; the controller's rigor and the CFO's foresight, focused entirely on helping you grow.

Our Mission

Financial wellness, clarity, and confidence.

Our mission is to bring financial wellness and clarity to our clients — peace of mind and confidence in business decisions powered by knowledge and understanding of where their business is now and where it's headed.

Who We Serve

Built for Growing Service Businesses

We specialize in a handful of verticals where financial strategy makes the biggest difference.

Medical & Dental Practices

Provider profitability, overhead benchmarking, and KPI clarity.

Wellness and Beauty Salons/Spa

Appointment revenue tracking, service vs retail mix, and seasonal cash flow management.

Real Estate Investors & Landlords

Per-property P&L, portfolio cash flow tracking, and true ROI after all expenses.

Franchise & Multi-Location

Location-by-location P&L, royalty & marketing fund reporting, and consolidated cash flow across units.

Trades & Home Services

Job costing by project & crew, true labor and equipment rates, and pricing for healthy overhead recovery.

Our Sweet Spot

We work best with businesses doing $500K–$10M in revenue; too large for DIY bookkeeping, too small for a full-time controller or CFO.

Services & Pricing

Engagements for Every Stage

From a one-time clarity session to ongoing monthly partnerships — pick the path that matches where your business is today.

One-Time Session

Financial Clarity Session

A focused review and analysis of your last 3–6 months of financials. Walk away with real answers and a clear path forward.

  • Trend identification across 3–6 months
  • Bottleneck and leak detection
  • At least 3 actionable takeaways

Answers to your most popular questions

  • Where is my money going?
  • What's my profit really?
  • Can I hire more help?
  • What should I focus on next?
What you get
  • Comprehensive 3–6 month financial review
  • Visual trend and variance analysis
  • Identified bottlenecks and cost leaks
  • 3+ prioritized action items
Book a Clarity Session
Stabilize

Foundation

Monthly bookkeeping done right — we keep the records.

Designed for

Solo owners and small practices up to $500K in annual revenue.

  • Monthly bookkeeping & reconciliations
  • Month-end close process
  • Standard BS & P&L reporting
Services included
  • Bookkeeping
  • Month-end close & reconciliations
  • Basic reporting package (BS and P&L)
Monthly deliverables
  • Monthly bookkeeping entries
  • Monthly reconciliations
  • Standard reports — BS and P&L
Start with Foundation
Scale

Growth

Your bookkeeper keeps the records — we add expert oversight & performance insight.

Designed for

Businesses needing operational visibility. Annual revenue $500K–$2M.

  • Monthly performance dashboard
  • 60-minute monthly review call
  • Expert oversight & recommendations
Services included
  • Financial performance package (P&L, BS, CF)
  • KPI dashboard — revenue & expense totals
  • Financial insight and recommendations
  • Monthly review call
Monthly deliverables
  • Monthly performance dashboard
  • 60-minute monthly overview call
  • Expert oversight
Choose Growth
Strategize

Strategic

We own the books and the strategy — full financial management & performance guidance.

Designed for

Growing businesses ready for a fractional CFO. Annual revenue $500K–$2M+.

  • Full bookkeeping + reporting package
  • Performance dashboard & strategy call
  • Ongoing expert oversight
Services included
  • Bookkeeping
  • Month-end close
  • Financial reporting package & dashboard
  • Strategy call
Monthly deliverables
  • Bookkeeping entries & reconciliations
  • Standard reports — BS and P&L
  • Performance dashboard
  • 60-minute monthly overview call
  • Expert oversight
Go Strategic

Custom engagements available. Pricing scales with the complexity and size of your business.

Tailored by Vertical

Industry-Specific Solutions for NJ Small & Mid-Sized Businesses

We work with NJ owners every day. Each playbook below targets the real pain points slowing your growth; from thin margins and messy books to cash flow gaps between paydays, closings, or settlements.

Separate service, retail, and package revenue so you know what actually pays the rent
Tip, commission, and booth-rent tracking that keeps staff happy and NJ payroll compliant
Chair / room profitability so you can price services and renegotiate leases with confidence
Inventory and product-cost controls to end shrinkage and over-ordering
Seasonal cash flow forecasting for slow weeks, holidays, and wedding-season swings
"Can I afford another chair, location, or hire?" capacity and ROI modeling
Insurance vs. self-pay revenue tracking so write-offs and slow reimbursements stop hiding your real margin
Provider and procedure-level profitability; know which services and which doctors drive the practice
Overhead benchmarking against NJ practice norms (staff, rent, supplies, lab fees)
A/R aging and collections dashboards to shorten the gap between service and cash
Payroll, bonus, and associate-compensation modeling that scales as you add providers
Equipment, build-out, and expansion planning with clear payback and financing scenarios
Per-property P&L tracking so you see true cash-on-cash return after taxes, repairs, vacancy, and capex
Portfolio-level cash flow dashboards across all rentals, flips, or JV deals in one clear view
CapEx reserve and maintenance budgeting so surprise repairs don't wipe out a quarter's profit
Refinance and acquisition modeling; know your true cost of capital and break-even timelines
Entity and depreciation strategy guidance to optimize tax deferral and protect personal assets
Tenant rent-roll, lease expiration, and late-payment tracking to spot problems before they hit cash flow
Location-by-location P&L so you instantly see which units are carrying the brand and which are bleeding cash
Royalty, marketing fund, and franchisor reporting handled cleanly and on time — no more FDD-compliance scrambles
Standardized chart of accounts across all locations for true apples-to-apples performance comparison
Consolidated cash flow and working-capital planning so a slow month at one unit doesn't sink the others
Labor, food/product cost, and prime-cost benchmarking against your top-performing locations
New-unit ROI modeling, financing scenarios, and break-even timelines before you sign the next lease
Job costing by project, crew, and service line so you finally know which work is actually profitable
True labor burden and equipment cost rates baked into every estimate — stop underbidding by accident
Cash flow forecasting around deposits, progress billing, and the gap between job completion and customer payment
Materials, inventory, and truck-stock tracking to cut waste, theft, and emergency supply-house runs
Technician productivity, callback, and revenue-per-truck KPIs that drive better hiring and route decisions
Pricing, overhead recovery, and growth modeling so adding a second crew or truck doesn't shrink your margin
Why BookSmart

Led by Experienced Advisors, Built for Growth

We bring the rigor of a controller and the foresight of a CFO; at a fraction of the cost.

Financial Statement Knowledge

We read the story behind the numbers; not just record them.

Controls Mindset

Clean processes and safeguards that protect your business.

Analytical Capability

We turn raw data into operational insight you can act on.

Forecasting Expertise

See what's coming and plan with confidence, quarter after quarter.

Let's Talk

Ready for real financial clarity?

Tell us about your business and we'll show you what year-round financial strategy looks like. No tax-season-only relationships here.

Thanks; we'll be in touch within one business day.