Monthly Financial Meeting · CFO Meeting · Construction Finance · Management Cadence
Monthly Financial Meeting · CFO Meeting · Management Cadence · Construction Finance
The Monthly Financial
Meeting.
The monthly financial meeting is the most important management meeting a construction subcontractor can run. Done right, it surfaces problems before they become crises, creates financial accountability across the team, and produces specific action items that move the business forward. Most contractors don't run this meeting at all — or run it so informally it produces no useful outcome.
Schedule a Free Call →
See Pricing
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 Review Financials Once a Year With Your CPA
An annual financial review with your CPA is a tax preparation exercise — not financial management. By the time your CPA reviews last year's P&L, every opportunity to act on the information has passed. Financial management requires monthly visibility and monthly decisions, not annual hindsight.
02
The Meeting Happens but Nothing Changes
Many contractors have informal monthly financial conversations that cover the same topics every month — cash is tight, this GC is slow, that job is running over — without producing specific action items or accountability. The meeting is happening but it's not managing anything. A structured agenda changes this.
03
Your Team Doesn't Have Financial Visibility
Field management — foremen, superintendents, PMs — makes decisions every day that have financial consequences. Without any financial visibility, those decisions optimize for field convenience rather than financial outcome. Monthly job financial reviews that include field leadership change the decision-making culture over time.
How SPM Fixes It
The Monthly Financial Meeting Agenda
Opening: cash position and 30-day forecast — what's coming in and going out. AR review: invoices over 30 days, follow-up status, escalation decisions. Job financial review: each active job's cost vs. estimate, billing status, cost-to-complete. Overhead review: current month overhead rate vs. benchmark, any categories above trend. Working capital and bonding: current position and trajectory. Action items from prior month: what was done and what wasn't. New action items: specific owner, specific deadline, specific outcome.
Who Should Be in the Room
Owner or CEO, any working PMs or superintendents for active jobs they're managing, and the financial management team — which for SPM clients is Josh. No more than 4–5 people. The meeting should take 45–60 minutes with a tight agenda. When it runs longer, it usually means the financial data isn't prepared in advance and the meeting is being used to assemble information rather than act on it.
The SPM Executive Financial Meeting
For Executive clients, SPM prepares the full financial meeting package before every monthly meeting — CEO Report, job financial review, AR aging, and proposed action items. You receive the package 24 hours before the meeting. You come prepared. The meeting is for decisions and accountability — not for reviewing numbers that should have been reviewed in advance. All meeting outputs are tracked in ControlQore as action items with owners and deadlines.
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 do I get my team to take the financial meeting seriously?
Accountability follows visibility. When field leadership sees job-level financial performance in the meeting — their job, their cost vs. estimate, their billing status — the meeting becomes relevant to their work. When prior month action items are reviewed at the start of every meeting, accountability for following through becomes real. The first two or three meetings feel awkward. By month four, the team is engaged because the data is connected to decisions they're making every day.
Should the monthly financial meeting replace the weekly project meeting?
No — they serve different purposes. The weekly project meeting covers schedule, safety, coordination, and field logistics. The monthly financial meeting covers cost vs. estimate, billing, AR, overhead, and financial decisions. Both are necessary. The monthly financial meeting is 45–60 minutes once a month. It doesn't replace field management meetings — it adds the financial management layer that most project meetings don't cover.
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.