Job Financial Review · Monthly Meeting · Project Controls · Construction Management
Job Financial Review · Monthly Meeting · Project Controls · Cost Overruns · Construction
The Job Financial
Review Meeting.
The job financial review meeting is the single most valuable operational meeting a construction subcontractor can run. Done right, it surfaces cost overruns before they're fatal, identifies billing opportunities before they expire, and creates accountability for job-level financial performance across your team. Most contractors don't run this meeting at all. Here's exactly how to do it.
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SPM vs. Other CFO Firms
Most CFO Firms Serving This Trade
- High revenue minimums — most won't serve under $5M
- Advisory only — no bookkeeping, no implementation
- No job costing setup or ControlQore management
- No monthly WIP as standard deliverable
- No pricing published — discovery call required
- No vetted partner network for bonding, lending, or liens
- No prevailing wage specialty
The Construction CFO — SPM
- Serves $1M–$12M — starts at $1,900/month
- Full implementation — bookkeeping, job costing, CFO advisory
- ControlQore setup and managed for you every month
- Monthly WIP standard in Executive tier
- Full pricing published — no discovery call to find out costs
- Vetted partners for bonding, lending, lien services, payroll
- Prevailing wage and Davis-Bacon specialty
What We See in This Business
01
You Find Out About Job Problems at Closeout
If the only time you review job financials is when something goes wrong or when the job closes, you're managing in arrears. Problems that surfaces in month 2 — an overrun in labor, a subcontractor running over budget, a phase that's behind schedule — can still be fixed in month 2. Discovered at closeout, they're permanent losses.
02
Your Foremen and PMs Don't Have Financial Accountability
Most field staff know their job schedule and their scope. Very few know whether their job is financially on track. Without regular job financial reviews that include the people responsible for delivering the work, financial accountability stays in the office and never reaches the field where costs are actually generated.
03
You Don't Have a Structured Agenda
Most job financial conversations happen reactively — when someone notices a problem or when a monthly report lands. A structured monthly job financial review with a consistent agenda changes the dynamic from reactive to proactive. The same questions, the same format, every month.
How SPM Fixes It
The Monthly Job Financial Review Structure
Cover every active job with contract value over your materiality threshold — typically every job over $100K or whatever represents a meaningful percentage of your revenue. For each job review: contract value and approved change orders, billed to date and collected to date, cost incurred vs. budget by major cost code, cost-to-complete estimate and revised profit projection, open change orders pending approval, schedule status and billing forecast for next 30 days, and any open action items from last month.
Who Should Be in the Room
Owner or CEO, project manager or superintendent for each active job, and the financial management team (SPM for clients). Field representation is essential — the people generating the costs need to see the financial picture and own the variance explanations. Meeting should take 30–60 minutes depending on job count. One job, one page, one conversation.
SPM Prepares the Financial Package for Every Meeting
For SPM Executive clients, the monthly CFO meeting includes a job financial review package — every active job's cost vs. budget, billing status, cost-to-complete, and action items — prepared in advance. You come to the meeting informed and leave with specific actions. The financial review becomes a decision-making session, not a data collection exercise.
Service Tiers
Tier 01
Core Financial
Starts at $1,900 / month
- ControlQore setup and management
- Job costing aligned to your estimate structure
- Cost-to-complete tracking — updated monthly
- Full-service bookkeeping — minimum 30 min/week
- Vendor payments via ACH (you approve, we initiate)
- Accounts receivable management
- Bank reconciliations and transaction matching
- Controllership
- 1 monthly CFO meeting
- 60-day onboarding — books migrated to last taxable year
Most Popular
Tier 02
Executive Financial
Starts at $2,900 / month
- Everything in Core Financial
- Monthly WIP schedule — delivered every month, standard
- 13-week cash flow forecasting
- CEO Report — monthly financial dashboard
- 3 CFO advisory meetings per month
- Strategic accountability and actionable to-dos
- Direct access to Josh Luebker
Pricing by Revenue
Revenue Range
(Last 12 Months) |
Core Financial
Monthly |
Executive Financial
Monthly |
| Under $1M | $1,900 | $2,900 |
| $1M – $3M | $2,600 | $3,600 |
| $4M – $6M | $3,800 | $5,500 |
| $7M – $9M | $5,100 | $6,900 |
| $10M – $12M | $6,100 | $8,500 |
| $13M+ | Quoted | Quoted |
Vetted Partner Network
National Lien Services
When AR gets too long, we connect you directly to our lien services partner to protect what you've earned.
Additional cost — not included in monthly fee
Payroll Integration Partners
Prevailing wage and regular payroll software partners integrated directly with ControlQore job costing.
Additional cost — not included in monthly fee
Bonding Partners
Surety relationships and bonding capacity support. We prepare the financials — our partners get you bonded.
Additional cost — not included in monthly fee
Lending Partners
Working capital lines and equipment financing through vetted lenders who understand construction.
Additional cost — not included in monthly fee
Reviewed Financials
CPA-level financial statement reviews for banking, bonding, and large contract requirements.
Additional cost — not included in monthly fee
CPA Coordination
We work alongside your existing CPA — not replacing them. Clean books and job costing make tax time easier.
Included — no extra cost
Common Questions
Straight answers.
How often should job financial reviews happen?
Monthly as a minimum for all active jobs. For large or complex jobs — anything over $500K or with significant schedule risk — bi-weekly reviews make sense during critical phases. The review frequency should match the rate at which problems can compound. On a 12-month project, monthly is fine. On a 6-week project, weekly is appropriate.
What's the most important number to review at each job financial review?
Cost-to-complete and revised profit projection. Not just what you've spent — what the job is going to cost when it's done and whether the original margin is holding. A job that's 60% through budget at 50% complete is trending over. A job that's 40% through budget at 60% complete has margin upside. The trend matters more than any single data point.
What's included in Core Financial?
ControlQore setup, job costing aligned to your estimates, cost-to-complete tracking, full bookkeeping (minimum 30 min/week), ACH vendor payments (you approve, we initiate), AR management, bank reconciliations, transaction matching, controllership, and 1 monthly CFO meeting. Starts at $1,900/month.
What does Executive Financial add?
Everything in Core plus monthly WIP schedule, 13-week cash flow forecasting, CEO Report, and 3 CFO advisory meetings per month. Starts at $2,900/month. WIP, cash flow forecasting, and the CEO Report are Executive tier only.
Do you handle payroll?
No. We have vetted payroll software partners — including prevailing wage integrations — that connect directly with ControlQore. Those are separate engagements at additional cost.
How long does onboarding take?
60 days. We migrate your books to the start of your last taxable year, set up ControlQore, and build your job costing structure. Fully operational in two months.
What software do clients use?
ControlQore. All SPM clients run on ControlQore for job costing and WIP. We set it up and manage it — you don't have to learn it. Clients switching from QuickBooks, Sage, or other platforms migrate during onboarding.
Do you work alongside our CPA?
Yes. We work alongside your existing CPA — not replacing them. Clean books and accurate job costing make their job easier at tax time.
What happens when we grow past $12M?
We have a clear graduation path. We prepare your financials, systems, and team for the transition and connect you with the right firm for your next stage of growth.