G+F Business & Financial Consulting LLC

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G+F Business & Financial Consulting LLC Construction CFO | I Help Contractors Fix Job Costing, WIP & Cash Flow So Profit Stops Slipping

Many building contractors struggle to maintain a profitable business despite working six days a week. I provide tools, advice, and financial guidance so you can keep more of your hard-earned money and reduce your tax liability.

09/21/2026

Here's a question for my contractors:

You buy a drain cleaning machine for $4,849.

Do you expense the entire purchase or put it on the balance sheet and depreciate it?

Before you answer, here's why I want you thinking about it.

If you're trying to qualify for bigger projects, increase your bonding capacity, obtain a line of credit, or get prequalified with a prime contractor, your financial statements are being evaluated.

How you classify equipment can impact your reported profit, assets, equity, and financial ratios.

That means what appears to be a simple bookkeeping decision can eventually affect your ability to grow.

Contractors have to stop looking at every purchase only through the lens of:

"Can I write this off?"

You also need to understand what that decision does to the financial picture you're showing banks, bonding companies, and other stakeholders.

Good accounting isn't just about staying compliant.

It's about making sure your numbers support the business you're trying to build.

Comment DEPRECIATE and I'll send you my free guide.

09/18/2026

Contractors understand preventive maintenance on equipment. But what about preventive maintenance on the owner?

You wouldn’t run a truck without changing the oil.

You wouldn’t keep using a piece of equipment until it completely breaks down.

But a lot of business owners will run themselves that way.

Jobs need to be completed.
Employees need to be paid.
Customers need answers.
Estimates need to go out.
Invoices need to get collected.
And there’s always another problem waiting for you.

So your health gets pushed to the bottom of the list.

That’s a dangerous way to build a business.

Because if you’re still the person making the major decisions, bringing in work, solving problems, managing relationships, and leading the team…

YOU are one of the most important assets in the company.

That’s why going to the gym isn’t just about looking better for me.

It’s maintenance.

Physical health.
Mental clarity.
Energy.
Discipline.
Longevity.

I talk a lot about building financially healthy construction companies—but the goal isn’t to build a profitable business while destroying yourself in the process.

Build the business. Take care of the family. But don’t forget to maintain the person carrying the responsibility.

Contractors: when was the last time you treated your own health like an asset that needs to be maintained?

09/10/2026

🚨 If your payroll is off by $1,200, you don’t just have a payroll problem—you may have a time-tracking and job-costing problem.

For contractors, every hour matters.

When your crew’s time isn’t being tracked accurately, it can affect:

✅ Payroll
✅ Labor cost by job
✅ Job profitability
✅ Estimates on future projects
✅ Your ability to know which jobs are actually making money

That’s why I like tools that help connect what’s happening in the field with what you’re seeing in the numbers.

With Jobber, your team can track time from the field, helping you get better visibility into the labor going into each job.

And when you’re trying to grow, qualify for larger projects, increase bonding capacity, or strengthen your financials for a line of credit, clean job-cost data matters.

Stop guessing where your labor dollars went.

👉 Try Jobber through my link:
go.getjobber.com/gplusf

Get a 14-day free trial + 20% off through my link.

Disclosure: I’m a Jobber partner and may earn a commission if you sign up through my link.

Something is brewing.........☕
09/03/2026

Something is brewing.........☕

08/24/2026

This 12-year-old taught a business lesson some grown contractors still haven’t learned. 👀

I asked my best friend’s daughter, Ami, to make me this blue blanket.

My instructions were simple:

Labor + Materials + Markup = Price.

She bought the materials with HER OWN MONEY.

Paid the shipping herself.

Made a blanket big enough to cover my queen-size bed.

Then I looked at her price…

No markup. 😂

I asked her why.

She told me:

“You’re my dad’s friend. I wanted to do you a solid.”

I respect it. 😂

But contractors—pay attention.

There’s nothing wrong with giving somebody a deal.

The problem is when you give the deal **without knowing what you gave away.**

Know your:
🔹 Labor
🔹 Materials
🔹 Overhead
🔹 Profit

THEN decide what discount you want to give.

Generosity should be intentional.

Unprofitable pricing shouldn’t be.

And at only 12 years old?

Ami is already learning the game.

She’s going places.

Contractors: your company isn’t the only asset you need to protect.YOU are an asset too.After my workout, I’m sitting in...
08/20/2026

Contractors: your company isn’t the only asset you need to protect.

YOU are an asset too.

After my workout, I’m sitting in this massage chair recovering and reminding myself why taking care of my physical and mental health matters.

I have a family that needs me.

I have clients who trust me.

I have a business that requires me to make clear decisions.

And you do too.

I know the contractor mindset:

Keep pushing.
Get the job done.
Make payroll.
Handle the change order.
Collect the receivable.
Find the next project.
Figure out how to finance the growth.

But you cannot continually withdraw from yourself without eventually hitting zero.

I want to build a successful business.

But I also want the physical and mental health to enjoy what I’m building with my family and continue serving my clients at a high level.

So yes—the workout matters.

And so does the recovery.

Take care of the person responsible for taking care of everything else.

08/19/2026

Yes, you can walk into Publix and buy things that may be business expenses.

But that does NOT mean your entire Publix receipt is a tax write-off.

Contractors, pay attention to this.

You might buy:

💧 Water for the crew�🍽️ Paper plates and utensils�🧹 Cleaning supplies�✈️ Food while traveling for business�📦 Supplies for the office or jobsite�🥪 Food for certain qualifying business purposes�🥩 And groceries for your family

All on the same Publix receipt.

That doesn't mean everything gets categorized the same way.

This is where contractors usually make one of two mistakes:

❌ “It came from Publix, so I’m not deducting any of it.”

OR

❌ “I paid with the business card, so I’m writing off the entire receipt.”

Both can cost you.

The real question is:

What was the business purpose of each expense?

Your goal isn't to find questionable write-offs.

Your goal is to stop missing legitimate deductions while keeping your books clean enough that your financial statements actually mean something.

Because you’re trying to do more than save a few dollars in taxes.

You’re trying to:

✅ Build cash�✅ Make payroll without stressing�✅ Qualify for larger contracts�✅ Increase bonding capacity�✅ Become more attractive to lenders�✅ Build a financially stronger construction company

So yes — even a trip to Publix deserves proper accounting.

Separate the business from the personal.
Document it.

Categorize it correctly.

And stop leaving legitimate deductions on the table.

08/18/2026

Getting the contract is one thing.

Being financially ready to perform the contract is another.

If you’re a contractor trying to get prequalified with larger prime contractors, your financial statements matter more than you may realize.

Prime contractors, bonding companies, and lenders want to know:

Can your business financially handle the work you’re asking for?

A $500,000 contract doesn’t mean you get $500,000 upfront.

You may have to cover payroll, materials, equipment, subcontractors, and overhead for weeks before getting paid.

That’s why contractors looking to grow need to start thinking about:

• Bonding capacity — Can you qualify for larger bonded projects?�• Lines of credit — Can you bridge the gap between paying for the work and getting paid?�• Accurate financial statements — Do your numbers give lenders and sureties confidence?�• Working capital — Do you have enough liquidity to take on another project without putting the company in a cash crisis?

And as I explain in this video, there are financing programs that may provide small businesses access to capital.

But access to money is only part of the equation.

The goal isn’t just to win bigger contracts. It’s to build a company financially strong enough to execute them.

If you’re preparing to get prequalified with prime contractors, start strengthening your financial position before the opportunity shows up.

Address

7754 Okeechobee Boulevard , PMB/372
West Palm Beach, FL
33411

Opening Hours

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

Telephone

+15612470754

Website

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