Stop Losing Money on Jobs You Already Finished
You're building. You're busy. But your bank account doesn't match your workload. We fix that.
Cheung CPA & Associates gives builders like you a CFO and a CPA in one team, so you always know where your money is and where it's going.
15-minute clarity call. Built for owners. No obligation.
You're Profitable on Paper.
So Why Are You Always Tight on Cash?
You finished the job. Client's happy. But you're still chasing the check.
Sound familiar?
You pay your subs and suppliers weeks before you get paid
Retainage locks up 5–10% of every draw for months
You're guessing at job costs instead of tracking them in real time
Your P&L says you made money. Your bank account says otherwise
Your bookkeeper records what already happened. Your CPA shows up at tax time.
Neither one is telling you what's coming next week, next month, or next quarter.
That's the gap. And it's costing you real money on every job.
Three Things We Fix. That's It.
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Real-time job costing. WIP reports that show your true position — not what QuickBooks says. You'll know which jobs are making money and which ones are bleeding. By project, by trade, by phase. Updated weekly.
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A 13-week cash forecast so you always know what's coming. We fix your billing timing, speed up collections, and manage your bonding capacity — so you can bid on bigger work without overextending yourself.
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You're not just building houses. You're building a business. We help with long-term planning — taxes, growth strategy, and getting the business ready for the next generation if that's where you're headed.
We don't try to do everything.
We do three things really well — and they're the three things that keep builders up at night.
Your CPA and Your CFO Should Be the Same Team
Most builders who get help end up with two separate firms, a CPA for taxes and a CFO for strategy.
Those firms don't talk to each other. Your tax plan doesn't match your cash plan. You're paying for overlap and still have gaps.
We're both. One team.
Here's what that covers:
The CFO Side:
- Cash flow forecasts updated weekly
- Annual budgets and capital planning
- Help with banks and bonding companies, we get your limits raised
The Operations Side:
- Job costing that shows budget vs. actual on every project
- WIP schedule management — so you don't get hit with a surprise tax bill from over-billing
- Retainage tracking with dates so nothing slips through
The CPA Side:
- Construction-specific tax credits and deferrals
- Clean financials your bank and surety can actually use
- Tax filing that's based on what's really happening in your business — not a guess
One team that sees the whole picture.
No handoffs. No gaps.
Find out if your construction business is a good fit for our service.
What Changes When You Work With Us:
BEFORE (How most builders operate)
"I think that job made money"
"We'll figure out cash flow next month"
"My bookkeeper handles it"
"I'm not sure what retainage we're owed"
"Margins feel thin but I don't know why"
"My CPA and my financial guy don't talk"
"I don't know if I can bond for that next bid”
AFTER (With a fractional CFO)
You see job-level profit and loss every week
You have a 13-week cash forecast — no more payroll surprises
Your CFO reviews the numbers with you every month
Retainage is tracked with collection dates
You know your margin by project, trade, and phase
Your tax strategy and cash strategy come from the same team
Your bonding capacity is managed — you grow on purpose, not by accident
Our Value vs Hiring Internally
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Full-Time CFO
High Cost, Fixed Overhead.
-Full-time salary, benefits, bonuses-Cost exists whether workload is there or not
-Hard to scale down or unwind
-Capital tied up in payroll
Result: Expensive commitment early in growth.
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Fractional CFO
Same leadership. Lower cost.
-Predictable monthly fee-No benefits or payroll burden
-Scales with your business
-Focused on decisions, not hours
Result: Control, clarity, and flexibility.
Pick the Level That Fits Where You Are Right Now
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Monthly financial statements
Basic job costing
Tax compliance with construction-specific credits
Quarterly check-in with your CFO
Best for: Builders who need a solid foundation and a CPA who actually gets construction.
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Everything in Project Lead, plus:
13-week rolling cash forecasts
Full WIP reporting
Bonding capacity strategy
Monthly CFO strategy call
Best for: Builders who are growing fast and need to see the numbers before they make the next big move.
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Everything in Builder, plus:
Bi-weekly CFO calls + on-demand access
Board-level strategic advisory
M&A and capital raising support
Succession and legacy planning
Best for: Established builders thinking about expansion, acquisition, or passing the business down.
What Happens In the First 30 days
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Step 1: Discovery Call
We look at your WIP schedule, your pipeline, and your cash position.
You'll know within 15 minutes if this is a fit. No charge.
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Step 2: Financial Health Check (First 2 Weeks)
We go through your books, contracts, retainage, and cash flow.
We find the gaps and the quick wins. You get a clear picture of where you actually stand.
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Step 3: Build the System (Weeks 3–4)
Cash forecast goes live. Job costing framework set up. KPI dashboard built.
Billing strategy reviewed. Tax exposure mapped.
Built by Financial Leaders Who Know Construction
We’re not just accountants.
We’re partners who work alongside construction owners to help them understand their numbers and make better decisions.
Our team brings experience across:
Residential and commercial construction
Real estate development and property management
CFO, controller, and cost management roles
We understand the pressure of managing cash, margins, and growth while projects are still in motion.
That’s why this service exists.
20+ Years of Construction Finance Experience. On Your Side.
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Jose Rios
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Nancy Cheung
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Gardy Charlot
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Chantelle Charlot
Ready to Know Your Numbers?
You don't need more accounting.
You need one team that handles all of it — taxes, cash flow, job costing, bonding, and growth planning — and actually understands construction.
Book a free discovery call. We'll look at your WIP and pipeline, flag the top 3 risks in your finances, and tell you straight whether we can help.
What Our Clients Say