Cross + Co - Insights
Your Data Already Knows the Future — Are You Listening?
I use data analytics and forecasting to turn noise into signal so leaders can make smarter, faster decisions.Strong analytics starts with clean, well-structured data and a short list of KPIs that tie directly to cash, growth, and risk.From there, rolling forecasts and scenario modeling (best/base/worst) let you pressure-test assumptions before you spend a dollar.Real-time dashboards…
Is Your Business Passing Its Financial Health Check
As a CPA and CFO, I see financial ratios as your business’s vital signs.They provide quick insights into whether your company is financially healthy and ready for growth. ✅ Current Ratio – Can you cover short-term obligations?✅ Debt-to-Equity – Are you balanced between borrowing and ownership?✅ Gross Margin – Are your operations profitable enough to…
IRS S Corp Election Income Splitting: What Business Owners Need to Know
The S corporation election is a tax designation that allows a business to ‘split the income.” Profits and losses “pass through” directly to the owners’ personal tax returns, avoiding the double taxation that affects standard C corporations. 🔹 Split of Income – Owner-employees can divide profits between: 🔹 Why Businesses Elect S Corp Status ✅…
Unrelated Business Income for Non-Profits
Unrelated Business Income for Non-Profits: What You Need to Know Few topics cause more confusion for nonprofit leaders than Unrelated Business Income (UBI). UBI arises when a nonprofit regularly earns revenue from commercial activities that aren’t substantially related to its exempt purpose—think beyond donations and mission-driven programs. While not illegal, UBI is taxable, and mishandling…
Concentration Risk: Are You Too Dependent?
In accounting, concentration risk happens when a business relies too heavily on a few customers, vendors, or industries—creating hidden vulnerabilities. ✅ Customer Risk – Losing one major client can destabilize revenue.✅ Vendor Risk – Supplier disruption can halt operations.✅ Sector Risk – Industry downturns hit harder when you’re concentrated.✅ Asset/Credit Risk – Overexposure increases financial…
Build Your Business’s Financial Backbone
As a CPA and CFO, I’ve seen firsthand how a strong financial structure can make or break an SMB. Here are five key steps to set up a solid foundation: A well-structured financial framework isn’t just about numbers; it’s about making informed decisions that drive growth. Let’s keep moving forward together! Let’s connect about finding…
One Big Beautiful Bill Highlights
One Big Beautiful Bill is here—and it’s packed with deduction updates that matter. Here are some of the most impactful changes to keep on your radar for 2025: ✅ New Above-the-Line Deductions:• Up to $25,000 in cash tips *Deduction not exclusion• Up to $25,000 in overtime pay *Deduction not exclusion• Up to $10,000 in interest…
What are your biggest accounting concerns as a business owner?
Running a business comes with its fair share of accounting challenges, and I’m curious: what are your business accounting concerns right now? As a CPA and Fractional CFO, I often hear from business owners who are navigating complex accounting challenges—cash flow issues, compliance uncertainties, unclear financial reporting, or simply not knowing where to start. You’re…
Mid-Year Checkpoint: Are Your Business Books in Order?
We’re now past the midpoint of 2025—an ideal time to assess the state of your business’s financial records. Mid-year reviews aren’t just about compliance; they’re about strategy, clarity, and readiness for what’s ahead. Here’s a quick checklist to guide your review:✔ Reconcile bank, credit card, and loan accounts✔ Review YTD financial statements—P&L, balance sheet, cash…
The Crucial Role of Financial Statements in SMB Success
Financial statements are non-negotiable for your SMB’s success because they offer a real-time window into your company’s health and trajectory. By regularly reviewing your balance sheet, income statement, and cash flow statement, you gain the insights needed to make informed decisions, manage cash effectively, and spot growth opportunities before they pass you by. Not merely…