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MCR Books

Know your numbers before they become a problem. Every month closes on a consistent date with an exception summary and an action list. Statements are current, reconciled, and ready to use — because “I think we made money?” isn’t a winning strategy.

What you receive

Reliable numbers and a controlled close.

Includes: Monthly bookkeeping, cleanup, close support.

Fit, scope, and what you receive

  • Who it is for

    Service businesses that have outgrown do-it-yourself bookkeeping but are not ready for an internal accounting function. Businesses with a backlog that needs to be brought current.

  • What you receive

    A consistent close date, reconciled financial statements, an exception summary, and an action list every month. Each close ends with decisions, owners, and due dates.

  • Cleanup

    A backlog is scoped as its own project, with a defined end point, before monthly service begins. You know what is being fixed, in what order, and when the books are current. We turn the backlog into a controlled, documented close.

  • How it is scoped

    Priced by cadence and complexity. The fee is stated in the proposal. Transaction volume, the number of accounts, and payroll or inventory activity adjust the price inside a tier; they do not change what the tier does.

Starting prices

Every tier includes a published close date, an exception summary, an action list, one-business-day acknowledgment, and an annual opportunity review. Volume, accounts, and entities adjust the price inside a tier; they do not change what the tier does.

What moves you between tiers is what you need from the numbers, not how many transactions you have. Foundation gives you reliable numbers by a published date. Control adds the cadence to handle obligations and see what is coming. Advisory adds the projections and written recommendations behind owner decisions. Higher tiers start with a larger allowance because they assume a larger business; above the allowance, the same modifiers apply in every tier. Volume, accounts, and add-on tasks adjust the price inside whichever tier you choose, and you may stay in any tier at any volume.

  1. Foundation

    Reliable numbers. Books closed by a published date each month; a profit and loss statement and balance sheet you can act on; a clean year-end handoff to the tax return.

    Cadence

    Your documents to us by the 5th. Books closed and delivered by the 20th of the following month; for the three closes that fall in tax season (January, February, and March activity), by the last business day of the month. Both dates are in your engagement letter. Year-end tax package by January 31. Email questions acknowledged within one business day.

  2. Control

    You know what is owed, what is due, and what is coming. Recurring obligations are handled on schedule from books that are closed early.

    Cadence

    Books closed by the tenth business day, held year-round including tax season. 30-minute monthly review call. 60-minute quarterly owner review with a written summary. TPT filed each period before the deadline. 1099s filed each January. Estimated-payment reminders 10 days before each due date.

    When to move up

    If you have started to need TPT filed, payroll posted, or a monthly conversation about what is coming, Control is the tier: those obligations are handled from books closed by the tenth business day, with a monthly review. Ask us to compare what each tier does.

  3. Advisory

    Better decisions before the deadline. Compensation, hiring, purchase, and entity questions are answered with the numbers in hand. Your tax bill is projected during the year, not discovered in April.

    Cadence

    Books closed by the tenth business day. 45-minute monthly review with a written summary. Quarterly tax projection with revised estimates. 12-month cash forecast updated quarterly. Annual owner tax plan delivered in November. Annual reasonable-compensation review. One 30-minute scheduled call per month on request, within two business days; additional calls are quoted in advance.

Open a tier to read its outcome and cadence.

  • Foundation

    From $300 per month

    Onboarding $600 one-time

    Base allowance
    2 bank or card accounts and 100 transactions per month
    Decision support
    The exception summary and action list, and one annual opportunity review in writing. Foundation is the base tier; there is no additional layer.
    • Included
      • One entity, cash basis, QuickBooks Online (your subscription)
      • Categorization; bank and card reconciliations
      • Monthly profit and loss statement and balance sheet
      • Exception summary and action list: what we could not categorize, what looks wrong, and what needs your decision this month, with a due date for each item
      • Year-end tax package (trial balance, general ledger, reconciliation reports, fixed-asset list, 1099 vendor list) for MCR or your preparer
      • Annual opportunity review in writing
    • Not included
      • Sales tax (TPT) filing
      • Payroll posting (available as a modifier)
      • A/R and A/P tracking
      • 1099s
      • Calls
      • Tax projections
      • KPI reporting
      • Cleanup of periods before the engagement
      • Tax return fees

  • Control

    From $750 per month

    Onboarding $900 one-time

    Base allowance
    4 accounts and 250 transactions per month
    Decision support
    The monthly review call covers exceptions and the next 30 days of obligations. A one-page owner report each month: cash, revenue, gross margin, owner compensation, prior-year comparison. The quarterly owner review covers results against the prior quarter and prior year, cash position, upcoming obligations, and a short list of decisions with owners and due dates.
    • Included
      • Everything in Foundation
      • The tenth-business-day close held in season
      • The monthly review call
      • Sales tax (Arizona TPT) filed from closed books for one license and one location
      • Payroll journal entries posted and liabilities reconciled to your payroll provider's reports
      • A/R and A/P aging tracked and reported (you approve and release payments)
      • Forms 1099-NEC and 1099-MISC for up to 10 recipients
      • Compliance calendar (TPT, 1099s, license renewal, estimated payments, Arizona Corporation Commission annual report for corporations)
      • Year-end package delivered directly into your entity return
    • Not included
      • Tax projections and decision memos (the Books Advisory tier)
      • KPI reporting
      • Budgets and forecasts
      • Bill-payment processing (available as a modifier)
      • Tax return fees
      • Cleanup

  • Advisory

    From $1,500 per month

    Onboarding $1,200 one-time

    Base allowance
    6 accounts and 400 transactions per month
    Decision support
    Everything in Control, plus the quarterly projection, the decision memos, the KPI report, the cash forecast, and the annual owner tax plan. This tier is the decision-support layer.
    • Included
      • Everything in Control
      • Quarterly federal and Arizona tax projection for the owner and the entity with revised Forms 1040-ES/140ES
      • Estimated-payment coordination across the owner's household return and the entity return, rebuilt in each quarterly projection
      • Monthly KPI report on 5–7 metrics agreed at onboarding
      • Up to two written decision memos per quarter (the numbers, our recommendation, the owner, the due date)
      • The annual owner tax plan
      • Reasonable-compensation review for S corporation owners
      • 12-month cash forecast
    • Not included
      • Return preparation fees
      • Decision memos beyond two per quarter (quoted)
      • Scheduled calls beyond one per month (quoted)
      • Fractional-CFO deliverables such as lender packages, board reporting, financing negotiation, valuation, or transaction support (quoted)
      • Audit, review, or compilation reports
      • Payroll processing
      • Cleanup
What adjusts the price inside a tier
What adjusts the price inside a tier
ModifierPrice
Transaction volumeBase 100 / 250 / 400 per month. Measured as a trailing three-month average; reviewed each quarter, not each month.+$100 per month per additional 100 transactions (or part)
Bank, card, loan, or merchant accountsBase 2 / 4 / 6. Loan accounts count; they need amortization tie-outs.+$35 per month per additional account
Low-activity related entityHolding LLC or real-estate LLC under 25 transactions a month; closed on the same calendar, no separate call; intercompany balances reconciled monthly.+$150 per month
Second operating entity, same owner, same close calendarA Foundation close for that entity, plus its own volume and account modifiers. The review call, quarterly review, and decision memos in your tier already cover both entities. Its TPT license is priced at the Compliance rate.$300 per month plus its own volume and account modifiers
Payroll posting and reconciliation (third-party provider)Included at Control and Advisory.+$75 per month at Foundation
Bill-payment processingBills entered and payments scheduled weekly for your approval. You approve every payment; we never release funds. Control and Advisory only.+$250 per month
Customer invoicing on your behalf+$150 per month
Accrual basisDeferred revenue, prepaid schedules, accrued liabilities.+25% of tier price
Class, location, or job trackingDrives multi-city TPT reporting.+$75 per month
Light inventoryPeriodic count, resale, no manufacturing. Manufacturing or perpetual inventory is not offered in year one.+$150 per month
Multi-location TPTOne license, one location included at Control and Advisory.+$35 per additional location per filing
Foundation with TPTAdd MCR Compliance at its published price.From $150 per month

What you provide

  • Bank feed access
  • Statements and receipts by the 5th
  • Payroll provider reports
  • Answers to the exception list within five business days

Onboarding is a one-time fee: $600 at Foundation, $900 at Control, $1,200 at Advisory. We build or review your chart of accounts, connect your bank feeds, tie your opening balances to your last filed return, and set your close calendar. If your books are not current, we complete a diagnostic first and quote the cleanup before monthly service begins. Service is month to month with 30 days' written notice. We re-issue the engagement letter each year after the September price review. Fees are billed on the 1st by automatic payment. We review prices each September with 60 days' notice. We onboard new bookkeeping clients May through January; February through mid-April is reserved for tax season.

Notes

We close on the scheduled date with open items flagged rather than holding the close.

We do not process payroll or file payroll tax returns. We post and reconcile from your payroll provider's reports.

Behind on the books? See Books cleanup

Pricing examples (illustrative)

  1. Growing service firm

    A Phoenix physical therapy clinic, S corporation, six employees

    $885 per month
    Situation
    The clinic also sells retail products (TPT retail class, one license, one location), runs payroll through a provider, pays eight 1099 vendors, and has five bank and card accounts with about 320 transactions a month. The owner learns the TPT balance and the payroll liabilities weeks after the fact.
    Scope
    MCR Books Control at $750 + one account above the Control base $35 + one additional 100 transactions (or part) $100. TPT filed each period from closed books, payroll posted and reconciled to the provider's reports, 1099s for eight vendors, and the compliance calendar are inside the tier. Books close by the tenth business day, tax season included; the owner sees cash, revenue, gross margin, and owner compensation against last year on one page each month. Form 1120-S with Arizona Form 120S: $1,250, because we closed the books. Household return: standard $300; the K-1 is $0 and Form 7203 is included because we maintain the basis schedule; other add-ons as the household's documents trigger.
    Next decision
    Owner compensation for 2027. We recommend the reasonable-compensation review ($500) before the first 2027 payroll.
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Under one firm name

The other services.

MCR Individual Tax
Accurate filing, a clearly explained result, and fewer surprises.
MCR Business Tax
Coordinated business and owner tax compliance.
MCR Compliance
Deadlines handled and exposure reduced.
MCR Advisory
Better decisions before the deadline.
All services and how they connect

Next step

Know where you stand.

An introductory call covers your situation, the scope we recommend, and what happens next. We reply to every inquiry within one business day.

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