STEVENPALMIERI
Your finances as the ownerYour finances as the companyPersonal credityour score and report, what a lender sees firstPersonal taxesfilings and anything open with the IRSPersonal financeswhat you own, what you owe, what you take homeYouguarantorcreditormanagerBookstrue books, kept current every monthBills and payrollbills, invoices and payroll posted inside your fileControllernumbers checked, filings out on time, the month closedCFOcash, plan, tax planning and the funding file
Your finances as the company
STEVENPALMIERI

Should you fire your accounting firm? Only if you are paying for what they know.

We do not do, and you probably do not need, audits, compilations, or GAAP reports.

Steven Palmieri lets AI assist with the knowing and keep your numbers clean. We charge for seeing, and we show it. For years the firm you pay sold what it knew, the rules, the forms, and the bookkeeping know-how. AI made that knowledge free. What remains scarce is someone who sees your whole financial picture, the owner side included, every month.

Should you fire your accounting firm? Only if you are paying for what they know.
A traditional accounting firm
The Entrepreneur's CFO
What they sold you
Knowledge of the rules and the forms, billed as a rare skill.
Seeing. The owner and the company as one set of finances, reviewed with you every month.
What you hold in your hand
They hand you statements after the period closes.
We show you the picture. The flow from your credit and your books to your cash and your capital, one page, on your phone, updated as the month closes.
The owner's side
Treated as outside the engagement.
The first work we do. Your credit, your personal taxes, and the personal financial statement a lender asks for by name.
The month
A look back, often assembled at year end.
Tax-basis books kept clean every month, then a controller who checks the numbers and files payroll and sales tax on time.
Tax planning
A conversation after the year is already over.
Planned all year from the monthly numbers, so you keep more of what you earn.
What only a CPA firm can do
Audits, reviews, and GAAP reports. Keep a good firm for that work.
We do not do that work. We refer it out, and we keep the monthly books they will start from.
Who it fits
A company that only needs a look back at what already happened.
An owner under ten million whose personal and business finances are still one set of finances.

Keep a CPA firm for the reports only a licensed CPA firm may sign. Pay us to see the whole picture and show it to you every month, because that is the new deal, and it is a better one.

A look-back firm is still the right hire for a signed report. It is the wrong hire if you are paying it for knowledge that AI now assists with, and not for someone who sees your owner file and your company file as one set of finances.

We do not do, and you probably do not need, audits, compilations, or GAAP reports. Clean numbers. Clear picture.

Sources

All accessed 2026-09-14. This page is a comparison, not a statute recitation.

1. Texas title and report rules. texas.gov

2. Texas board FAQ on unlicensed practice. tsbpa.texas.gov

3. What a private company audit is. aicpa-cima.com

4. SBA Form 413. sba.gov

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