Profit Leak Assessment
See where last year’s profit went, line by line, in dollars.
One time$999
- Every cost line against industry average and best-in-class
- A dollar value on each gap
- What to fix first, second and third
CPA-led performance diagnostics
Know exactly where your business stands, and what to fix next.
Clean monthly books, benchmarked against the industry average and the best operators in your industry, with a clear, prioritized plan to improve performance and cash flow.
How it works
Three steps that turn your books into a plan you can act on, not just a tidy ledger.
1
Normalize
We turn your books into comparable operating metrics, with every number traced back to your income statement.
2
Benchmark
We measure you against both industry-average and best-in-class performance in your industry.
3
Improve
You get a monthly advisory brief with the specific moves that lift your margin and cash flow.
Our services
Three ways to work with your CPA, from a one-time look back to a partner for the year ahead.
Fractional CFO
A CPA planning each quarter with you, on top of monthly books and benchmarking.
Advisory Partner, starting at$2,500 a month
- Quarterly strategy session
- Cash-flow planning and growth modeling
- Priority access to your CPA
Bookkeeping
Monthly books from your bank, card and cash records, reviewed by a CPA.
Basic from$325 a month
- No accounting software to buy
- Every account tied out each month
- Advanced adds a monthly benchmark and brief
Financial analysis and benchmarking
Your numbers set against the industry average and the best operators in it, with a sample of the analysis.
How the analysis worksTax planning
Planning during the year, not after it ends. First step: a complimentary 30-minute call.
How tax planning worksTax preparation
Individual and business returns prepared by a Maryland CPA. Fee quoted in writing after a complimentary call.
Tax servicesFormation and estate, the tax side
Entity choice, S corporation elections, and estate and gift tax planning, coordinated with your attorney.
Tax servicesBookkeeping plans
Clean books every month. A clear answer on what to fix.
No accounting software to buy, learn, or log into. We build your books from your bank, card, and cash records, and show you how your business compares.
Already using accounting software? You’re covered too. On QuickBooks Online, we keep your books right in your own file. If you or your bookkeeper keep the books, Insight gives you the full analysis from the books you already have. See Insight
Save up to $600 a year
Basic
Accurate monthly books, done for you.
Starting at
$325/month
$3,900 paid annually
Talk to us about Basic- Monthly bookkeeping built from your bank, card, and cash records, reviewed by a CPA
- Every account tied out to your statement balances each month
- Monthly profit and loss statement and balance sheet
- No accounting software to buy, learn, or log into. Already on QuickBooks? We work from it.
- No existing system required; shoebox and spreadsheet businesses welcome
- A benchmark of your last 12 months against your industry, built at onboarding, so you see where you stand from day one
- Year-end package ready for your tax preparer
- Direct line to the CPA who oversees your books
Starting price covers up to 150 transactions a month across 3 bank or card accounts. Up to 300 transactions and 6 accounts from $525 (Basic) or $800 (Advanced). Catch-up work quoted separately.
Advanced
Your books, plus a monthly read on how you compare and what to fix first.
Starting at
$600/month
$7,200 paid annually
Our biggest annual savings
Talk to us about Advanced- Everything in Basic
- Every cost line benchmarked each month against your industry average and its best-in-class operators
- A detailed operational analysis each month: the transactions and patterns to review, and where problems may be building
- A monthly advisory brief: your scorecard, what is working, the one thing to fix first, and your next 30 days
- Dollar impact on every gap, so you know which fix is worth the most
- Financial ratio analysis: liquidity, profitability, efficiency, leverage
- Month-over-month trend tracking so you see whether the fixes are working
- A 30-minute quarterly review call with your CPA, scheduled when it suits you
Starting price covers up to 150 transactions a month across 3 bank or card accounts. Up to 300 transactions and 6 accounts from $525 (Basic) or $800 (Advanced). Catch-up work quoted separately.
Keep your own books? Insight starts at $495 a month.
Check my price
Four quick questions. About 30 seconds.
Profit Leak Assessment
$999 one time
See where last year’s profit went.
- One prior fiscal year, or up to four consecutive quarters, built from the bank, card and payment processor statements you already have
- Every cost line compared with your industry average and best-in-class, with the dollar value of each gap
- Key financial ratios, a diagnosis of the biggest leaks, and what to fix first, second and third
- A 30-minute review call, with delivery within 10 business days of receiving complete statements
Priced for businesses with about 150 or fewer transactions a month and 3 or fewer accounts; larger businesses are quoted first.
Book an assessmentAdvisory Partner
Starting at $2,500 a month
Advanced, plus a CPA in your corner every quarter.
- Everything in the Advanced plan
- A quarterly strategy session
- Cash-flow planning and growth modeling
- Priority access to your CPA
The scope is one we set together and confirm in writing. 12-month minimum term.
Talk about Advisory PartnerInside Advanced
Busy does not always mean profitable.
Most owners know their revenue. Few know whether their labor, materials, and overhead are in line with their industry, or how far they sit from the best operators in it. Advanced shows you where you stand, puts a dollar figure on the gap, and gives you one priority to fix each month.
Illustrative example
- Your business
- Best-in-class
- Materials
- Your business 38%
- Best-in-class 35%
- Labor
- Your business 33%
- Best-in-class 30%
- Overhead
- Your business 21%
- Best-in-class 19%
- Net profit
- Your business 8%
- Best-in-class 16%
On $750,000 of revenue, that gap is $60,000 a year.
Compare plans
| What you get | Basic | Advanced |
|---|---|---|
| Monthly bookkeeping from bank, card and cash records, reviewed by a CPA | ✓ | ✓ |
| Every account tied out to statement balances each month | ✓ | ✓ |
| Monthly profit and loss statement and balance sheet | ✓ | ✓ |
| Works with or without QuickBooks | ✓ | ✓ |
| Benchmark against your industry | Once, at onboarding, on your last 12 months | Every month, against the average and best-in-class |
| Detailed operational analysis: transactions and patterns to review | × | Every month |
| Monthly advisory brief with the one thing to fix first | × | ✓ |
| Dollar impact on every gap | × | ✓ |
| Financial ratio analysis | × | ✓ |
| Month-over-month trend tracking | × | ✓ |
| 30-minute quarterly review call with your CPA | × | ✓ |
| Year-end package for your tax preparer | ✓ | ✓ |
| Direct line to your CPA | ✓ | ✓ |
| Price, Band 1 Up to 150 transactions a month, up to 3 accounts | $325/mo annual ($3,900/yr) or $350 month to month | $600/mo annual ($7,200/yr) or $650 month to month |
| Price, Band 2 151 to 300 transactions a month, up to 6 accounts | $525/mo annual ($6,300/yr) or $550 month to month | $800/mo annual ($9,600/yr) or $850 month to month |
| More than 300 transactions or 7 or more accounts | Custom price. Get my custom price | |
Need more than Advanced? See Advisory Partner
Pricing questions
Do I need QuickBooks or any accounting software?
No. We build your books from your bank statements, card statements, and cash records. If you already use QuickBooks Online, we work from it. You receive finished monthly statements; there is nothing for you to buy or maintain. If you already keep your own books in accounting software, Insight gives you the analysis without changing who keeps them.
I already have a bookkeeper. Can I still get the analysis?
Yes. That is what Insight is for. Your bookkeeper keeps the books, and we deliver the benchmark, ratios, trends and advisory brief from them, monthly or quarterly.
What if my books aren’t in good shape?
Before every analysis we run a books health check. If the books aren’t ready, you get a report showing what to fix instead of an analysis built on bad numbers. We can quote the cleanup, or keep the books for you on a plan.
How do you set my price?
By monthly transaction volume and number of accounts. Use Check my price for your number in about 30 seconds. We confirm it from one month of your statements before you commit. Payment is by bank transfer (ACH), with no fee.
What’s the difference between the assessment and a plan?
The assessment looks back at a year you’ve already finished and shows where the money went. A plan keeps your books every month going forward. You can start with the assessment to see the size of the opportunity.
Why does cash matter?
Cash leaves no bank record, so each cash payment needs a receipt or note and counts as a transaction. Businesses that run on cash weekly are priced one level up.
My books are behind or I have no system. Can I start?
Yes. Months that are behind in the current year are caught up first and quoted separately before we begin. Prior years are quoted as custom work.
What is the difference between annual and monthly?
Annual is paid upfront at the lower rate and saves up to $600 a year. It is a one-year commitment: if you cancel during the year, the prepayment is not refunded. Monthly costs more and you can cancel anytime.
What if I need to reschedule a review call?
Review calls hold time on your CPA’s calendar that is set aside for you. To cancel or reschedule, give at least 48 business hours’ notice (2 business days). A call cancelled, rescheduled or missed with less notice is forfeited for that quarter. If you still want to meet that quarter, a replacement 30-minute call is billed at $150.
What does the benchmark compare?
Each cost line against your industry’s average and its best-in-class operators. Basic includes it once, at onboarding, built from your last 12 months of statements. Advanced repeats it every month, adds your key financial ratios, shows what each gap is worth in dollars, and adds a detailed operational analysis of the transactions behind it.
See your number in about 30 seconds.
Answer four questions and we’ll show your price for both plans. Then pick a time for a complimentary 30-minute call.
Management-use analysis. Not an audit, review, or compilation under SSARS/AICPA standards, and not tax or legal advice. Benchmark example is illustrative. Prices are confirmed from your statements before engagement. Review calls require 48 business hours’ notice (2 business days) to cancel or reschedule; a call changed with less notice, or missed, is forfeited for that quarter, and a replacement call that quarter is billed at $150 per 30 minutes.
About Us
Agility Accountants & Advisors helps business owners do something most never get the chance to: see how their company actually performs against the best in their industry, and act on it. Led by a CPA, we pair clean books with operational benchmarking and a clear monthly plan, so you can watch your margin, manage cash flow, and plan your next move with confidence.
Get In TouchFrequently Asked Questions
How is Agility different from a bookkeeper?
We do the bookkeeping, then go further. Every plan includes monthly books built from your bank, card, and cash records and reviewed by a CPA. Advanced adds what a bookkeeper rarely provides: each cost line benchmarked against your industry average and its best-in-class operators, a dollar figure on each gap, and one priority to fix each month. See the plans.
What is operational benchmarking?
Operational benchmarking measures your key financial and operating metrics against both the industry average and best-in-class performers in your specific industry, so you can see exactly where you stand and what to fix first.
What industries do you work with?
We serve small businesses in Maryland, Virginia, Washington, DC and Pennsylvania across many industries, with particular depth in construction and contractors (job costing, subcontractor and margin analysis) and restaurants (prime cost, food and labor benchmarking). We also work with real estate and property management, specialty trade contractors, home services, multi-unit franchise owners, professional services firms, breweries, wineries and distilleries, auto repair shops, dental and medical practices, retail and e-commerce, fitness studios, salons and spas, and child care centers.
Do you work with businesses outside Maryland?
Yes. We’re based in Bel Air, Maryland and work with businesses in Maryland, Virginia, Washington, DC and Pennsylvania.
Is Agility led by a licensed CPA?
Yes. Agility Accountants & Advisors is led by Robert O’Connor, a licensed Certified Public Accountant (CPA).
How do I get started?
Book a consultation through the website or call 410-456-2433. We start by looking at your numbers and showing you where the biggest opportunities are.