★★★★★What contractors say about working with us

“We are lifelong customers! We do not share just a vendor/customer relationship — we are more like partners. 100% trusted service!”

SnapFence
Building Materials Supplier

“Great working with George and his team — great communication, excellent service, happy to recommend to other individuals & businesses.”

Jay Jarrah
CAD Design Firm Founder

“This is the guy. 100%. Stop looking further.”

Todd R.
Business Owner
Virtual CFO for Construction Contractors

Know Which Jobs Make Money While You Can Still Do Something About It.

Job-level margin, WIP, and a rolling cash forecast — delivered monthly with a human who explains what changed and what to do next. The financial seat you can’t justify hiring full-time.

Monthly
Close, KPI review, and a
call that isn’t about taxes
13 weeks
Rolling cash forecast so
payroll is never a question
Job level
Margin by job, not just a
company-wide P&L
Free download

The Contractor Profit Leak Checklist

The twelve places margin quietly disappears in a construction business — and the report that would have caught each one.

Rather just talk?
(510) 903-1138 (818) 600-4422
Sound familiar?

Growing revenue and shrinking bank balance is not a coincidence

“I don’t know which jobs actually made money.”

Job-level margin, monthly. Including the ones still open, so a bad job gets caught at 40% complete instead of at closeout.

“We’re profitable on paper and broke in the bank.”

Profit is not cash. A 13-week forecast shows the gap between billing, retainage, and payroll before it becomes a crisis.

“I bid off my gut and hope it works out.”

We build your real overhead recovery rate so bids carry the business instead of starving it.

“I have no idea if we’re overbilled or underbilled.”

A proper WIP schedule every month — the single most important report in construction, and the one nobody produces.

“The bank and the bonding company keep asking for things.”

Clean, reviewed financials packaged the way underwriters expect, so capacity goes up instead of stalling.

“Nobody tells me anything until tax time.”

A scheduled monthly conversation about the numbers, with decisions attached.

Bookkeeper vs. CFO

One records what happened. The other changes what happens next.

Bookkeeping alone
Categorizes transactions
Produces a company-wide P&L
Closes the month, eventually
Answers questions you know to ask
Backward-looking
Virtual CFO with ASLLP
Interprets the numbers and flags risk
Margin by job, division, and crew
Closes on a schedule you can count on
Tells you what you didn’t know to ask
Forecast, bids, cash, and capacity
The monthly engagement

What lands on your desk every month

Same rhythm, every month, so the numbers become something you use rather than something you receive. Scope is sized to your revenue and job volume.

01

Monthly close & KPI dashboard

Books closed on a fixed schedule, with the five or six numbers that actually run your business on one page.

02

Job costing & WIP reporting

Committed cost, cost to complete, over/underbilling, and margin by job — reviewed with you, not just emailed.

03

13-week cash flow forecast

Rolling forward, tied to your billing schedule and retainage, so payroll and material buys are never a guess.

04

Overhead recovery & break-even

What your business truly costs to run per hour, per crew, per month — the number your bids should be built on.

05

Bid & estimate margin review

Reviewing what you’re about to sign, and comparing estimate to actual after, so estimating gets better every quarter.

06

Banking & bonding package

Financials and schedules prepared the way lenders and sureties want them, which is how capacity grows.

07

Quarterly strategy session

Pricing, capacity, equipment, hiring, and exit planning — the conversations that are worth more than the reports.

George Ghazarian, CPA
Who you’ll be working with

George Ghazarian, CPA

I built this firm around one industry on purpose. Construction has its own accounting — retainage, WIP, job costing, certified payroll, method elections — and a generalist CPA who sees two contractors a year will never catch what a specialist catches every week.

Most contractors don’t need more reports. They need someone to sit across the table once a month and say: this job is bleeding, this bid is underpriced, and here is what to do about it.

Book a consult with George
Concrete Numbers — the podcast

Hear how we think before you ever book a call

Weekly episodes on contractor tax, job costing, and the profit leaks nobody warns you about. No fluff, no theory — the same conversations we have with clients.

Concrete Numbers - watch the latest episode

Questions contractors ask

How is this different from my bookkeeper?

Your bookkeeper records history. We interpret it, forecast forward, and sit in the decisions — pricing, capacity, equipment, hiring.

Do I need to switch bookkeepers to work with you?

No. We can work alongside your current bookkeeper, or take the function in-house if the books need real cleanup first.

What size contractor is this for?

Generally businesses past the point where the owner can hold it all in their head — typically a few million in revenue and up. We will tell you straight if it is early.

Do you use my accounting software?

Yes — we work in QuickBooks and the common construction platforms. No migration required to start.

Is tax planning included?

Planning is built into the rhythm. Nothing is worse than a great year with no plan for the tax that follows it.

How much of my time does this take?

A prepared monthly call, plus a quarterly deeper session. We do the assembly work.

Find out what your last twelve months actually looked like by job.

One call, no charge. Bring your last P&L and job list — we will show you what a real WIP and margin review turns up.