We'll start by getting to know your business and where you currently stand. Every conversation covers three areas:
- Your bookkeeping situation — clean books or compiled at tax time?
- Your tax experience — has it ever felt like a black box?
- Your objectives — get it off your plate, make better decisions, or plan ahead?
By the end you'll have a clear sense of where you stand, what's possible, and how Frontier fits into the picture.
Every onboarding begins with a data collection phase — a deep dive into your business operation and financial situation so we have a complete picture.
Relay Bank, QuickBooks Online, and Gusto for payroll. We connect everything and log all current YTD activity.
We work with what you have or facilitate a transition — connecting to your books, cleaning up, and establishing a workflow cadence.
Every month we classify transactions, reconcile accounts, manage payroll, and complete any custom journal entries. Nothing slips through — if something is worth flagging, you'll hear about it.
Every quarter we finalize financial statements, run a tax projection, facilitate estimated payments, and check in on opportunities ahead.
Before year-end we finalize your tax plan and execute any remaining moves while there's still time. Come tax season, the filing process is seamless — recommendations have been executed, books are clean, and the return reflects the work done all year.
Money comes in, money goes out. The difference with a business is that income can be unpredictable. Many business owners find themselves in survival mode, spending what comes in to keep things running — without ever knowing if they're actually profitable or taking anything home. When tax season arrives, an unexpected tax bill could derail business operation.
Profit First solves this by ensuring every dollar is intentionally allocated — operating expenses, taxes, and personal compensation all have a designated place. Nothing gets spent without a purpose.
Relay Bank is our preferred banking partner for implementing Profit First. Through our advisor partnership, we can:
- Set up your Relay account and structure it around the Profit First framework on your behalf
- Create dedicated accounts for each allocation — expenses, taxes, payroll, and personal compensation
- Maintain advisor visibility into your accounts to manage and adjust allocations as your business evolves
You get a fully functioning system with an advisor who stays actively involved in keeping it on track.
Financial planning at Frontier covers four core areas:
We find a system that works for your life — a third-party platform or a fully managed system where we handle everything and provide regular reports and insights, much like a business would receive from a CFO.
We take a whole-household approach — all income sources, investment accounts, and your unique situation. Since we also file your return, we can execute a multi-year tax plan from start to finish under one roof.
Investment terminology, calculating returns, tracking net worth, and making the most of tax-advantaged accounts. This is financial education, not investment advice or management.
Life doesn't always fit neatly into a financial category. Major milestones deserve the same attention as any other part of your financial plan. As your partner, we want to be involved in those decisions too — including:
- Home purchases
- Vehicle decisions
- Planning for a child
- Career transitions
- Side hustle ventures
- Credit optimization
- Charitable giving
Now let’s make it work for you.
Your financial frontier starts here.