Strategic Advisory When You Need It
As your business moves through the SOS² stages, you’ll need more than clean books. Harbor brings in coordinated advisory services — tax, wealth, risk, and growth — so you’re not managing a pile of disconnected vendors.
The Financial Clarity to Lead, Not Just Manage
If your current financial data only looks at the past, you’re flying blind. We provide the fractional CFO and Advisory bench that turns your back office into a strategic engine, specialized for the unique demands of high-stakes, project-based industries.
🏗️ Construction & Trades
Stop waiting for the “post-mortem” to see if a job was profitable. We provide the real-time WIP (Work-In-Progress) visibility needed to defend your margins and bid with surgical precision.
- True Labor Burden Analysis
- WIP & Over/Under Billing
- Cash-Flow for Large Contracts
- Equipment ROI Tracking
🚛 Home Services
Scaling a route-based business requires more than just more trucks. We analyze your unit economics per crew and per service to ensure that growth is actually adding to your bottom line, not just your stress.
- Unit Economics per Route
- Scheduling & Labor Efficiency
- Customer Acquisition Cost (CAC)
- Seasonal Cash Reserves
🎨 Agencies & Consultancies
Billable hours are a vanity metric if your project scope is leaking. We help you track client-level profitability and resource utilization to ensure your “best” clients aren’t actually your most expensive ones.
- Retainer Burn-Rate Alerts
- Utilization & Capacity Modeling
- Project-Based Profitability
- Forecasting Pipeline Revenue
⚙️ Manufacturing & Production
Inventory is just cash sitting on a shelf. We implement the product costing and inventory management systems necessary to free up working capital and optimize your production cycles.
- Standard vs. Actual Costing
- Inventory Turnover Ratios
- Overhead Recovery Analysis
- Capex Strategy & Planning
📦 Retail & Multi-Location
High transaction volume often masks low margins. We provide multi-location reconciliations and seasonal inventory forecasting so you’re never caught off-guard by a slow month or a stock-out.
- Multi-Entity Consolidations
- Inventory Forecasting
- Gross Margin by Location
- Vendor Terms Optimization
⚓ Exit Readiness Advisory
Is your business a transferable asset or an owner-dependent job? We build the systems, clean the historical data, and professionalize your pod to ensure you command the highest possible multiple at exit.
- EBITDA Normalization
- Due Diligence Prep
- Owner-Dependency Removal
- 3-Year Strategic Roadmap
Move Beyond Bookkeeping. Start Advising.
Ready to see the “Big Picture” of your business? Let’s build a fractional advisory plan that gives you the peace of mind to focus on what you do best.
Schedule Your Advisory Discovery CallFractional Strategy for High-Stakes Owners
Your business doesn’t just need a historian—it needs a navigator. We provide the “Advisory Bench” that moves beyond backward-looking reporting and into proactive business design.
Tax & Roth Advisory
Don’t just survive tax season—optimize it. We treat tax as a cash-flow lever, ensuring you keep more of your earnings while building a tax-free legacy.
- Proactive Forecasts
- S-Corp Optimization
- Backdoor Roth Strategy
- Entity Structure Audits
Risk & Benefits Advisory
Protect your assets and attract your industry’s best talent. We audit your vulnerabilities and build “Talent Magnet” benefits for your team.
- Liability & Continuity Audits
- Custom 401(k) & Profit Sharing
- Executive Bonus Planning
- Talent Retention Strategy
Growth & Scale Advisory
Scale without the chaos. We implement the financial systems that move you from working in the business to leading a scalable asset.
- Unit Economics & Crew ROI
- WIP & Cash Flow Modeling
- Owner-Dependency Removal
- Exit Readiness Roadmaps
The Harbor “Pod” Advantage
You aren’t just hiring an accountant; you are gaining a dedicated Advisory Pod. This is your personal bench of experts—CFO strategy, Tax expertise, and Operational oversight—working in sync.
Book Your Discovery Call