Who does what
It helps to put the split in writing before the work starts: who closes the books, who files the return, who talks to the surety. Here's how our construction accounting services fit with the contractor's other advisers.
A payment recorded twice, caught in a roofing client's August close.
From Jordan's client work before Peacock Accounting & Finance. The client is unnamed.What Peacock Accounting & Finance does
- Monthly close, every account reconciledEvery plan. Our standard: books closed by the 10th.
- Job costing and profit by jobController and CFO plans
- WIP schedule, every monthController and CFO plans. The bond agent uses it with the surety, and the bank may ask for it.
- 13-week cash forecast, checked every MondayController and CFO plans
- Bank and surety reportingCFO plan: a monthly balance sheet and profit and loss, the WIP schedule, receivables and payables aging, and the 13-week cash forecast
What stays with the accountant, the bond agent and the bank
- Tax returns and tax adviceThe contractor's accountant
- Year-end statementsThe contractor's accountant, starting from books we've closed and reconciled and the year-end balance sheet and profit and loss we hand over
- Placing the bondThe bond agent
- LendingThe bank
We don't prepare or file tax returns, and we're not a CPA firm. Jordan Peacock: I am not a certified public accountant or public accountant.
For accountants: what you get from us
- Bank accounts reconciled Done
- Pay apps recorded Done
- Retainage tracked by job Missing
- Job costs coded Behind
Today, a contractor's year can reach your desk in busy season as twelve months nobody closed, waiting to be rebuilt. With us, it arrives as twelve months each closed by the 10th of the next month, every account reconciled, and on the Controller and CFO plans, a WIP schedule kept all year.
What we hand you at year end: books that are closed and reconciled, the year-end balance sheet and profit and loss, and on the Controller and CFO plans, the year-end WIP schedule.
We record payroll from the contractor's payroll provider, but we don't run payroll or file payroll or sales tax returns.
We don't give tax advice. The contractor's tax questions go to you. We're not after your work.
For bond agents: what the surety sees
The surety industry's own guide calls bond agents surety bond producers. As the Surety & Fidelity Association of America lists it, an underwriter reviews annual and interim financial statements, work in progress (bonded and non-bonded), cash flow and evidence of a bank line of credit, among other things. Here's what your contractor's file looks like with us.
| Job | Done | Over (under) billed |
|---|---|---|
| Warehouse reroof | 62% | ($48,000) |
| Medical office | 85% | $22,000 |
| School addition | 40% | ($15,000) |
Picture the next bond request on the Controller or CFO plan: the WIP schedule is already current, built from closed and reconciled months, not pulled together the week the underwriter asks.
The CFO plan adds bank and surety reporting: a monthly balance sheet and profit and loss, the WIP schedule, receivables and payables aging, and the 13-week cash forecast.
We don't sell or place bonds or insurance, and we can't promise a bigger bond line. The surety decides. What a monthly schedule gives the underwriter is numbers it can rely on. Here's what a WIP schedule shows the surety.
For bankers: what the bank sees
CFMA, the Construction Financial Management Association, calls a contractor's WIP statement a key piece of information for commercial bankers, as well as for surety underwriters. With us, the bank sees:
| Week | W4 | W5 | W6 |
|---|---|---|---|
| Starting cash | $58k | $31k | $9k |
| Bank on Monday | $58k | ||
| Ending cash | $31k | $9k | −$38k |
- Books closed by the 10th each month, our standard, with every account reconciled.
- The WIP schedule, current every month (Controller and CFO plans).
- Bank reporting on the CFO plan: a monthly balance sheet and profit and loss, the WIP schedule, receivables and payables aging, and the 13-week cash forecast.
Picture the line renewal on the Controller or CFO plan: thirteen weeks of cash, checked against the bank every Monday, already on the table.
We don't lend or arrange loans. The lending decision stays with you.
Here's how an introduction from any of the three of you works.
How a referral works
- Introduce us by email at jordan@peacockaccountingandfinance.com or by phone at (412) 336-3200, or send the owner straight to the booking page.
- The owner books the free 13-Week Cash Review: 30 minutes with Jordan on their cash, their WIP and their close.
- Within 2 business days, the owner gets a one-page summary with the plan we'd recommend and its price. If no plan fits, the summary says so. It's theirs to keep either way.
- If the books are behind, we quote the catch-up work in writing before it starts.
Plans run month to month, and a client can stop any month.
What it costs your client
Every price is published, so you know what you're recommending before the owner calls.
Outsourced Bookkeeper
$1,750 a month
Books closed by the 10th, every account reconciled.
Outsourced Controller
$3,250 a month
Job costing, WIP and a 13-week cash forecast checked every Monday.
Outsourced CFO
$6,500 a month
Cash planning, bank and surety reporting, and a partner for the big decisions.
A year of the Controller plan, beside the hire
National median yearly wage for financial managers, the group controllers belong to, May 2025. Source: Bureau of Labor Statistics. Wages only: a hire also costs benefits and payroll taxes.
Higher plans include everything in the lower ones. See every plan and price, line by line.
Who you're referring to
“I spent years watching business owners get overcharged, underserved, or stuck doing their own books badly.”
Jordan Peacock, MBAFounder, Peacock Accounting & Finance
He spent seven years in corporate accounting and finance: month-end close, financial reporting and budgets. He works in the contractor's QuickBooks, alongside whoever does their taxes.
We're based in Pittsburgh and work with contractors anywhere in the US, remotely. The best fit is a contractor doing $2 million to $20 million a year.
Questions partners ask
Do you pay or accept referral fees?
No. We don't pay or accept referral fees.
Will you try to take over the tax work?
No. The return and the contractor's tax questions stay with their accountant.
Which contractors are a good fit?
Owner-run specialty contractors, bonded subcontractors first, who need more than a bookkeeper: job costing, a WIP schedule, a 13-week forecast, or bank and surety reporting. The best fit is a contractor doing $2 million to $20 million a year. We're based in Pittsburgh and work with contractors anywhere in the US, remotely.
What if the client's books are a mess?
We quote the catch-up work in writing before we start, so the owner knows that cost up front.
Is there something I can send a client first?
Yes: the free 13-week cash forecast template. It has rows for pay apps, retainage and payroll, and a Monday check against the bank.
What kind of firm are you?
An outsourced accounting firm for contractors: the monthly close, job costing, the WIP schedule and a 13-week cash forecast. We don't prepare or file tax returns, and we're not a CPA firm. Jordan Peacock: I am not a certified public accountant or public accountant.