Pillar 04 · CFO & Payroll Services · led by Justin Boulet
A CFO's discipline, without the CFO's salary.
A full-time CFO runs around $200,000 a year. Most companies under 1,000 employees don't need the person — they need the discipline: payroll that closes clean, 401(k) money remitted on time, ACA forms filed correctly, and someone senior watching all of it. That is what our team does.
What our team takes off your desk
You keep your payroll platform. We operate it — and everything wired to it.
Payroll, run for you
Our accounting team operates your payroll on ADP, Paycor, Insperity or the platform you already use. Salary data is handled outside your building — no more one person in the office who knows everyone's number.
401(k) remittance
Contributions calculated, remitted and reconciled on schedule, every pay period — the step the Department of Labor checks first, done by the same firm that governs your plan.
ACA filings, done right
1094-C and 1095-C preparation and filing, with variable-hour measurement handled correctly. Late or wrong forms run $340 each in 2026 — up to $680 per employee. Most payroll vendors have never heard of the rules that trip this.
HR generalist support
Onboarding and terminations processed, benefits questions answered, EOBs and ID cards chased — an HR desk your managers can call instead of a portal they avoid.
The math
Hire the function, not the headcount.
A company of 50 to 300 people usually has the same back-office problem: too big for the owner's spreadsheet, too small for a $200,000 CFO plus a payroll clerk plus an HR manager. So the work lands on whoever is nearest — and compliance is what slips first.
Our engagements are scoped to the work, typically a fraction of one executive hire — and they sit next to your benefits and 401(k) in the same plan record, with the same two principals accountable for all of it.
Built for the companies nobody staffs properly
If any of these sound familiar, this pillar was designed for you.
The 50-employee threshold crosser
You grew past 50 full-time equivalents and the ACA obligations arrived with nobody assigned to them.
The variable-hour workforce
Clinics, field services, hourly teams — where full-time status must be measured, not assumed. ABA clinics are a specialty of ours.
The one-person finance office
Payroll, benefits and the books all run through a single person — and everyone hopes she never takes a vacation.
The outgrown CPA
Your CPA is excellent at taxes and candid that ACA filings and payroll operations are not what you hired them for.
"Michael answers his own phone. After two national brokers, that alone changed how we run renewals."
Start where the risk is: the free ACA audit.
Three minutes, no sales call. If the audit finds exposure, you'll know exactly what to fix — whether you fix it with us or not.