Primary Care Financial

Directions Website Contact the business

Primary Care Financial Fractional accounting & CFO for professional-services firms that bill by the hour. See what really earns. We're a financial firm, not a medical provider.

Primary Care Financial is a CPA-led accounting firm in Royal Oak, Michigan, serving founder-led businesses across Metro Detroit. We provide monthly bookkeeping, controller and CFO services, cash flow forecasting, cleanups and catch-up work, and clear monthly reporting, with tax-ready books coordinated with your tax preparer. We specialize in law firms, including trust accounting, and healthcare practices. Expect responsive, proactive service and numbers you can actually use.

Wondering where to start with your bookkeeping and cash-flow routines? Try the free PCF Financial Health Check.Answer 10...
10/23/2026

Wondering where to start with your bookkeeping and cash-flow routines? Try the free PCF Financial Health Check.

Answer 10 questions and get a self-reported Financial Routines Score with practical next steps.

It does not ask for exact dollar amounts or bank connections. Newsletter signup is optional and separate.

This is a starting point, not an audit or financial-statement review.

https://healthcheck.pcfdetroit.com/

Which numbers belong on your dashboard? Start with the decisions you need to make.Receivables can guide collection follo...
10/22/2026

Which numbers belong on your dashboard? Start with the decisions you need to make.

Receivables can guide collection follow-ups. Project contribution can guide scope and pricing reviews. Overhead trends can guide budget discussions.

Agree on how each number is calculated, who owns it and when it gets reviewed. Keep the list small enough to use consistently.

Are your monthly reports ready to guide a decision?Ask what has been reconciled, reviewed and explained, and what remain...
10/21/2026

Are your monthly reports ready to guide a decision?

Ask what has been reconciled, reviewed and explained, and what remains open.

Keep unresolved items visible, with an owner and a due date. If a number may change, say so before acting on it.

PCF helps growing service businesses build a consistent monthly close and clearer reporting: https://www.pcfdetroit.com/appointments

Review one completed project before quoting the next similar one.How much time did delivery take? Which direct costs cam...
10/20/2026

Review one completed project before quoting the next similar one.

How much time did delivery take? Which direct costs came with it? Where did the scope expand?

Compare those costs with the project fee using a consistent method. The remainder helps cover overhead and profit, so avoid treating it as the business’s bottom line.

Even a simple review can surface a better question for your next estimate.

A monthly profit and loss statement is easier to use when you break the review into three parts: revenue, delivery costs...
10/19/2026

A monthly profit and loss statement is easier to use when you break the review into three parts: revenue, delivery costs and overhead.

What changed? What explains it? What needs a follow-up?

Use comparable periods and consistent categories. Then write down one action, who owns it and when it is due.

For help turning reports into useful conversations, book a 15-minute Fit Call:
https://www.pcfdetroit.com/appointments

End your weekly cash review with a clear next step.• Update expected receipts and upcoming payments.• Note what changed....
10/16/2026

End your weekly cash review with a clear next step.

• Update expected receipts and upcoming payments.
• Note what changed.
• Identify the decision or follow-up needed.
• Assign an owner and a date.

PCF helps growing service businesses build reliable reporting and use it to make practical financial decisions.

Book a 15-minute Fit Call: https://www.pcfdetroit.com/appointments

A hiring plan becomes more useful when it includes cash timing.Map the new team member’s pay, employer payroll costs, be...
10/15/2026

A hiring plan becomes more useful when it includes cash timing.

Map the new team member’s pay, employer payroll costs, benefits, equipment and onboarding alongside the expected timing of client receipts. Include the ramp-up period before the extra capacity produces collected revenue.

Then test a slower case: a delayed start to client work or a later payment.

Reviewing both cases helps make the assumptions visible before committing to a start date.

Pick one service or completed project to review this week.Compare revenue with the direct costs of delivering the work. ...
10/14/2026

Pick one service or completed project to review this week.

Compare revenue with the direct costs of delivering the work. Then check actual hours, extra revisions and changes in scope. Use a consistent method for allocating delivery costs.

If the work took more than planned, identify why before changing the price. The issue might be the estimate, the scope, the workflow or the mix of people doing the work.

That is a practical first step toward more useful profitability reporting.

Give your open invoices a quick review this week.1. Confirm the invoice reached the right person.2. Check for missing ap...
10/13/2026

Give your open invoices a quick review this week.

1. Confirm the invoice reached the right person.
2. Check for missing approvals or billing questions.
3. Record a realistic collection date.
4. Assign the next follow-up.

A weekly receivables review helps connect completed work to the timing of cash coming in. Keep estimates separate from payments that have actually arrived.

What part of your billing process would benefit from a clearer owner?

Address

220 S Main Street
Royal Oak, MI
48067

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Primary Care Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Primary Care Financial:

Shortcuts

Share