Services
How We Deliver Value
Our Working Process
1. Discovery Conversation
We begin with a complimentary 15-minute discovery call to understand your organization, goals, and challenges. This is not a sales call—it’s an opportunity to identify what’s impacting your financial progress.
2. Financial Assessment
We review your current financial position to identify gaps, inefficiencies, and opportunities for improvement. This includes evaluating cash flow, reporting clarity, and key performance indicators.
3. Strategic Roadmap
Using insights from our proprietary T.I.M.E and B.U.D.G.E.T frameworks, we develop practical recommendations focused on improving cash flow, profitability, and financial control.
4. Execution & Ongoing Support
We work alongside you to implement solutions, track progress, and provide consistent guidance throughout the year—not just at tax time.
5. Review & Optimization
Through easy-to-understand reports and regular check-ins, we help you monitor KPIs, refine strategies, and continuously improve financial performance month after month.
Our Services
Integrated Financial Services for Growth and Wealth
BUILT FOR CLARITY, GROWTH, AND LONG-TERM WEALTH
Strategic Accounting, Tax & CFO Advisory
We deliver more than accounting services. We provide a structured financial partnership designed to help business owners reduce taxes, improve cash flow, and make confident, forward-looking decisions.
Our approach combines accurate financial data with strategic insight, so every recommendation is practical, defensible, and aligned with your long-term goals.
Accounting & Compliance
Clean, reliable financial data that forms the foundation for informed decisions, planning, and growth.
Tax Strategy & Planning
Proactive strategies that reduce exposure, optimize income, and eliminate last-minute surprises.
Virtual CFO Advisory
Budgeting, forecasting, cash flow management, and KPI insight, without the cost of a full-time CFO.
Retirement & Wealth Planning
Long-term planning that integrates tax efficiency, savings strategies, and future income protection.
Entity Structuring Guidance
Ongoing advisory to ensure your entity structure supports tax efficiency, compliance, and scalability as your business evolves.
WHY CHOOSE BTO–CPA PLLC
Strategy-First Guidance. Long-Term Financial Confidence.
Most CPA firms focus on filing forms and closing the books.
BTO–CPA PLLC focuses on helping you make smarter decisions with your money—year-round.
We combine CFO-level insight, proactive tax strategy, and disciplined financial planning to help business owners move forward with clarity and confidence.
What Sets us Apart
- A strategy-first approach, not compliance-only work
- CFO-level insight tailored for small and mid-sized businesses
- Integrated tax, cash flow, and retirement planning—not siloed services
- Clear deliverables and defined action steps, not vague advice
- Defensible strategies backed by documentation
- A long-term partner mindset, not one-off engagements
Trust Built on Experience, Execution, and Results
Affordable Plan
SERVICE TIERS OVERVIEW
Our services are designed to meet you where you are today and support where you’re going next. Each tier builds on the previous level, adding deeper strategy, insight, and involvement as your needs evolve.
Financial Clarity & Compliance Plus
Ideal for business owners who want clean financials, proactive tax awareness, and a strong foundation.
This tier focuses on accuracy, compliance, and visibility—so you understand your numbers and avoid surprises.
Includes:
- Accounting infrastructure & ongoing compliance
- Business and individual tax preparation
- Basic tax planning and annual projections
- Financial statement review and clarity
Outcome:
Confidence in your numbers, improved organization, and fewer tax surprises.
Strategic Advisory & Virtual CFO Support
Designed for growing businesses that need insight, planning, and decision support—not just reports.
This tier adds CFO-level guidance to help you manage cash flow, improve profitability, and make informed growth decisions.
Includes everything in Foundation, plus:
- Virtual CFO services
- Cash flow forecasting and budgeting
- Quarterly strategy and planning sessions
- KPI dashboards and profitability analysis
- Advanced tax planning throughout the year
Outcome:
Better decisions, stronger cash flow, and intentional, well-planned growth.
Advanced Tax & Wealth Strategy
Built for high-income business owners who want aggressive—but defensible—tax strategy and long-term wealth planning.
This tier integrates advanced planning across business, tax, and personal wealth to protect income and build long-term security.
Includes everything in Growth, plus:
- Advanced entity structuring and optimization
- Retirement and wealth-building strategy integration
- Multi-year tax planning and modeling
- Family employment and asset strategies
- Priority access and deeper advisory involvement
Outcome:
Optimized taxes, protected income, and confidence in your long-term financial future.