Fractional CFO for Trade Contractors
Doing $3M–$8M in Revenue

We help you close the gap between bid and bank so you can hit 15%+ net profit with predictable cash and calm.

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Free Contractor Profit Playbook + weekly tips and case studies. No spam, no pitch.

25+ Years in Contractor Finance & Tax
1,000+ Clients Served
Millions Saved in Taxes & Wasted Spend
★★★★★ Top-Rated on Yelp, Arcadia CA

You Grew.
The Stress Did Too.

Revenue is up. Complexity is up. Your sense of control is not.

Payroll and vendor payments still create background stress

Financials say you're profitable; your bank account disagrees

WIP and job reports are confusing or unreliable

Big decisions (trucks, hires, new crews) feel like guessing

You didn't become a contractor to live in spreadsheets.
That's my job.

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You Bid 20–30%
You Bank 3–8%
You Should Bank 15%+

Trades We Serve

❄️ HVAC 🔧 Plumbing ⚡ Electrical 🏠 Roofing 🏗️ General Contractors

Typically $3M–$8M in annual revenue, owner-led, growing, and tired of cash and profit surprises.

What You Actually Get

A larger bank balance each month.

📊

Financial Clarity & Reporting

Clean monthly close, contractor-specific reporting, and WIP you can trust.

💵

Cash Flow & Debt Management

13-week cash forecast so you know what's available for payroll, draws, and debt before you commit—and never get surprised again.

🎯

Job Profitability & Pricing

Job and service-line profitability, overhead allocation, and pricing tuned so 15%+ net is the norm, not a lucky month.

📋

Tax Strategy That Legally Lowers Your Tax Bill

Proactive tax planning integrated with your filings, so savings actually show up and stay in your pocket.

See exactly how this works →

Read about our fractional CFO approach for contractors

Results You Can Measure

Single → Double Digit

Helped contractors move from single-digit to consistent double-digit net margins

$100K+ Per Year

Identified hundreds of thousands per year in "profit leaks" across pricing, utilization, and collections

Millions in Savings

Delivered millions in lifetime tax savings for growing owner-operators

See what's included in the $5,000 Financial Health Assessment →

Step 1

20-Minute Bid vs Bank
Clarity Call

A short, focused conversation to see if you have a $50,000+ profit/cash leak that the Financial Health Assessment can actually fix.

On this call, we will:

  • → Get a quick picture of your revenue, job mix, and where money feels like it's disappearing
  • → Identify whether your main problems are ones my process actually solves (cash timing, margins, AR, debt, tax shock)
  • → Decide together if the $5,000 Assessment is the right next step — or if you're better served doing something else

You'll walk away with:

  • ✓ A clear understanding of where your biggest financial stress is really coming from
  • ✓ A "yes / no / not yet" on the Assessment
  • ✓ And if it's not a fit, my honest take on what I'd do in your shoes
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Why We Do It This Way

We offer a money-back guarantee on the Assessment. That means all the risk is on our side.

The whole point of this call isn't to sell you — it's to make sure our model can actually help you.

If we take your $5,000 and can't find $50,000 in realistic upside, we lose. So we're qualifying you as much as you're qualifying us.

If the Assessment isn't the right move, I'll tell you straight and point you elsewhere. No pressure. No pitch.

This is not a free consulting session.
It's a fit + clarity call to respect both our time.

Our Process

A simple path from "where's the money going?" to predictable profit and cash.

01

Clarity Call

20-minute fit check. We map your situation, identify if you have a $50K+ problem, and decide if the Assessment makes sense.

Free — 20 minutes

← Start here
02

Financial Health Assessment

Deep dive X-ray: three-statement analysis, elite benchmarks, 13-week cash map, and a written 90-day plan with $50K+ in identified upside.

$5,000 — with money-back guarantee

03

Ongoing CFO Partnership

Monthly engagement focused on hitting agreed profit, cash, and owner take-home targets. Clean close, live scoreboard, fast decisions.

Monthly retainer

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All the risk is on us. This call is about making sure we can actually help.

About

Adam Libman
CRTP

I've spent 25 years in tax and accounting, reviewing over 100,000 returns and working with more than 1,000 business owners. The same pattern showed up over and over: owners making six‑figure decisions on half‑baked numbers, then wondering why the bank balance never matched the P&L.

Trade contractors had it the worst. Jobs looked great on paper, but cash was stuck in WIP, retainage, and slow‑paying GCs. Financials said "healthy," yet payroll, taxes, and vendor payments still felt tight. You were bidding 20–30%, but only banking 3–8%.

So I decided to go narrow instead of wide. Now I work exclusively as a fractional CFO for trade contractors doing $3M–$8M in revenue. One niche. One engagement model. Better results. My entire job is to close the gap between bid and bank so 15%+ net profit becomes normal, not a lucky month.

I do that by turning your numbers into a simple, reliable decision tool: clean monthly close, contractor‑specific reporting, real job and WIP visibility, a 13‑week cash view, and tax strategy that actually shows up on your return. And I coordinate directly with your bookkeeper, payroll provider, and banker so you're not stuck as the middleman.

Plain‑English finance. No arrogance. No guru talk. Just clear numbers, straight advice, and a partner who's willing to be measured by your profit, cash, and owner take‑home.

Outside the Numbers

  • • Married for 20 years and dad to four kids: Evan, Ethan, Eli, & Sam.
  • • Bourbon collector with a soft spot for George T. Stagg.
  • • Former cigar guy until sleep apnea forced a truce with my lungs.
  • • USC football, AC/DC, and Foo Fighters on repeat when I'm not in spreadsheets.
  • • Lifelong Lakers fan who grew up on Shaq and Kobe and has strong opinions about what makes a "real" Laker.
Adam Libman - Fractional CFO for Trade Contractors

Adam Libman

CRTP • Arcadia, CA

Ready to Close the Gap
Between Bid and Bank?

Start with a 20-minute intro call. We'll see if your problems are ones I can actually solve.

Book a Call See Assessment Details

If we're not the right fit, I'll tell you and point you to someone who is.