Serving contractors nationwide through virtual bookkeeping and CFO support.
Your business is more than a profit and loss statement. We help contractors and service business owners understand where their money is going, which jobs and services are actually profitable, and how today’s financial decisions affect tomorrow’s growth. From accurate bookkeeping to strategic CFO guidance, we turn financial information into clarity you can act on.
A free 30-minute conversation about your business, your financial challenges, and the support you need.
| Sample job | Gross margin |
|---|---|
| Kitchen remodel | 28% |
| Service calls | 41% |
| Deck and patio | 17% |
| Basement finish | −6% |
Sample figures for illustration. Margins shown are job gross margins, before company overhead.
Start with the problem you’re facing. Each one points to the support that fits.
Most business owners can tell you how much revenue their company generates.
Fewer can confidently explain which jobs are producing the strongest margins, how much revenue is required to cover overhead, or whether the business can afford its next hire.
Those answers shouldn’t require guesswork.
At AM Financial Solutions, we connect accurate financial records with meaningful reporting, cash flow planning, and strategic financial guidance so you can make decisions with greater confidence.
Revenue tells you how much business you’re doing. Profitability tells you how well you’re doing it.
We help you understand the financial performance behind your jobs, services, and operations so you can identify where margins are strong and where they may need attention.
A profitable business can still struggle to meet its financial obligations.
We help you look ahead at upcoming expenses, expected collections, and cash requirements so you’re better prepared for the decisions ahead.
Should you hire another employee? Purchase equipment? Increase prices? Expand into another market?
We help you evaluate important decisions using financial information instead of assumptions.
Project deposits, progress billing, change orders, labor costs, and seasonal swings all shape your numbers. So does the gap between paying for materials and payroll and collecting from customers. We build your books and reports around those realities.
The foundation every decision depends on.
See what’s making money and what’s coming next.
Financial information turned into a plan.
Areas we serve
Each one builds on the last. Every package includes monthly bookkeeping.
Get organized, stay current, and understand where your business stands.
Starting at$750/month
Best for owners who need accurate monthly books and a dependable financial foundation.
See what’s making money, what needs attention, and what’s coming next.
Starting at$1,500/month
Best for owners who need to understand job performance and prepare for upcoming cash needs.
Reviewing invoices and bills doesn’t include creating invoices, collecting payments, or processing vendor payments.
Job reporting depends on consistent project coding and timely data from your team. Initial job-costing setup and advanced construction reporting are scoped separately.
For owners planning their next stage
Turn financial information into decisions and a plan you can act on.
Starting at$3,000/month
Best for owners who want an ongoing financial partner for planning, growth, and accountability.
Starting prices apply to defined scopes of work. Your proposal reflects transaction volume, accounts and entities, active jobs, reporting complexity, and the level of support required. Cleanup, onboarding, software subscriptions, and additional financial operations are quoted separately where applicable.
You’ll receive a written scope and price before work begins. Changes in scope are discussed and approved before additional work.
Need more hands-on financial leadership?
Starting at $5,000/month
An individually scoped engagement for businesses needing more frequent leadership support, team coordination, or implementation of financial processes.
Ask about a custom engagementPossible scope, agreed in the proposal
Monthly bookkeeping is included in every core package. Running payroll, issuing customer invoices, following up on collections, and coordinating vendor payments are additional services scoped to your business. Pricing depends on workload and complexity.
More about financial operations support
A CFO package doesn’t automatically include running payroll, invoicing, collections or bill payment. We’ll agree on exactly what’s included before work begins.
One-time project services, quoted separately after reviewing your needs.
More about cleanup and onboarding
For complicated cleanup work, we may recommend a paid diagnostic before quoting the full project. Its fee and deliverables are agreed in advance.
Send a short request with the basics: your business, your industry, and the support you’re looking for.
We contact you to arrange a free 30-minute conversation about fit, next steps, and the information needed for a proposal.
Once we understand your needs, you receive a written scope and price. Work begins only after you approve it.
Systems connected and any cleanup completed. Then monthly work runs on an agreed schedule, once we receive complete information.
“Small business is the backbone of our communities and our economy.”
Molly FeitFounder and financial strategist
Meet the founder
I’m Molly Feit, founder of AM Financial Solutions.
My career in finance began in 2006, and over the past 20 years, my experience has grown from tax preparation into accounting, financial management, business advisory, and fractional CFO services.
Throughout my career, I’ve worked with businesses across multiple industries, helping owners navigate financial challenges, understand profitability, manage cash flow, and make more informed decisions.
One thing I’ve learned is that a business can look incredibly successful from the outside while facing serious financial challenges behind the scenes.
Revenue doesn’t always equal profitability. Growth doesn’t always mean financial stability. And having accurate financial statements doesn’t automatically mean you understand what they’re telling you.
That’s where my passion lies.
I believe financial information should do more than tell you what happened last month. It should help you understand your business and make better decisions about what happens next.
Business owners don’t need more financial reports they don’t understand.
They need accurate information, clear explanations, and someone who can help them evaluate what those numbers mean.
At AM Financial Solutions, we focus on building reliable financial information and connecting it to the decisions that shape your business.
Don’t see yours? Call or text (763) 245-9327.
We specialize in contractors, specialty trades, landscaping and home-service businesses. Fit depends on your business’s complexity and the support you need, not only on revenue.
Our main Minnesota focus is the Albertville, Monticello, Rogers and Maple Grove area. In Wisconsin we focus on the Siren and Grantsburg area. We work with contractors across Minnesota and Wisconsin, and we also work with businesses nationwide. Most meetings happen virtually.
Financial Foundation keeps your books accurate and current. Profit & Cash Flow adds job-profitability reporting, a monthly cash outlook and a monthly review. Strategic CFO Partnership adds budgeting, forecasting, KPIs, decision analysis and two strategy meetings a month.
Yes. Every package includes monthly bookkeeping and reconciliations. If you already have a bookkeeper and only want advisory support, ask about an advisory-only engagement. These are scoped and quoted individually.
Job reports compare revenue and direct costs on each job to show its gross margin. They depend on costs being coded to jobs consistently and on timely data from your team and field software. Initial job-costing setup and advanced construction reporting, such as WIP and retainage, are scoped separately.
Financial Foundation includes a quarterly financial review. Profit & Cash Flow includes a monthly financial review. Strategic CFO Partnership includes two strategy meetings per month. Custom engagements can include weekly leadership meetings, as agreed in the proposal.
These are separate from the core packages and can be added to a custom monthly proposal. Pricing depends on workload and complexity.
Cleanup reconciles prior periods and corrects historical records before monthly work begins. Onboarding connects your systems and sets up the monthly workflow. Both are quoted separately after we review your needs. For complicated cleanup, we may recommend a paid diagnostic first, with its fee and deliverables agreed in advance.
On a schedule we agree on in your proposal. Timing depends on receiving complete information, such as statements, receipts and job data.
Changes in scope are discussed and approved before any additional work. If your transaction volume, number of jobs or level of support changes, we’ll talk through an updated scope and price with you.
No. AM Financial is not a CPA firm and doesn’t prepare or file tax returns or provide attest services. We keep your books ready for tax time and can coordinate with your CPA or tax preparer.
Clients share documents through our secure client portal or a shared Google Drive folder, and some routine items by email, depending on the document. Please don’t send bank account numbers, Social Security numbers or other sensitive details through the website form.
You’ll see a confirmation on screen once your request is received. We’ll review your answers and follow up by your preferred contact method to arrange a time for your discovery call.
Free 30-minute discovery call
Answer a few quick questions so we can understand what’s happening and make our first conversation more useful.
Six short stages. You can go back and change any answer.
