Rerun every invoice · 23 September 2026

Five workflows. One card. Floors do not move in the room.

Before the invoice leaves: price, demand, buyer, stop. Same five workflows. No new offer without this card.

Fieldstone Advisory

Montgomery County, Texas · Survey figures. Not a signed return.

AI drafts. Human review. Then send. We are not a CPA firm. We are not a law firm. Circular 230 did not get an AI exception.

Workflows

Warm trade

You already know the crew. Books exist. Friday is an argument.

3–8 months unclosed. On a calendar. One entity.

Price · Founding wrap $6,500, then $1,500/mo. After five seats the wrap is $9,500.
Demand · Still the trade. Catch-up search is national and crowded. We take named Texas files only.
Move · Last clean month, then banks, then jobs, then lock. Deposit before the pack leaves.
Stop · Inside 14 days of a tax wall the wrap is off. Inside 7 days we decline. No start on a promise.

They name Bench, Pilot, or a $99 cleanup.

Price · Hold $1,500. Bench Core is about $399 and does not book retainage.
Demand · That searcher wants a P&L. Ours wants job margin. Different buyer.
Move · Two sentences. Decline or restate the floor. Do not discount to win the call.
Stop · If you hear yourself matching $399, end the call.

4868 already filed. Wall 15 Oct. Drop-dead for a new file is 29 Sep — six days from this card.

Price · $850, or $1,050 inside 30 days. 50% card only on this desk. Cap two.
Demand · Cliff, then dead. CPA overflow, not ads.
Move · Organizer in seven days or the file dies. We do not file from a weekend dump.
Stop · No 4868, foreign forms, or inside seven days of the wall.

Kitchen SEO, a will, ecommerce at $299, a BKL grad who wants wholesale, dental this month.

Price · Do not invent a SKU on the call.
Demand · Kitchen: Houston led US city closures. Dental pays the floor but needs a quarter. Ecommerce pays a software price.
Move · Name the refusal. Offer one intro only if letters or a CPA already exist (estate, K-1).
Stop · White-label. Cost-seg. Attest. A card on the Friday Close desk.

Offers

Transition	$1,000	Known crew. 4 weeks. Docs + one hour. Ten seats. Invoice.
Friday Close	$1,500/mo	Trade that needs a human. Floor. Not a Bench match.
Founding wrap	$6,500	3–8 months dark, on calendar. Five seats, then $9,500. Deposit first.
Extension	$850 / $1,050	4868 on file. Season. Card 50%. Cap two. Dies 15 Oct.
Estate	$1,500	Letters issued. Inventory and basis. Not a will.
Kitchen	$1,000 / $1,200	Named owner, prepaid. One seat. No ads. No page this fortnight.
X-ray	$0	Intern demo, then a prospect. One page. Not a close.
Workshop	$1,500	One firm, one room. Three hours. Not a $97 challenge.

Who we talk to

GC / painter, Montgomery. Supply house, text, CPA who hates job cost. Pays $1,500 and a wrap. Skip Google “bookkeeping near me.”

1040 on extension. CPA drowning in K-1s. Pays $850–$1,050 once. Skip A nationwide mill page.

Executor. One attorney text. Pays $1,500 project. Skip Wills & Whiskey as a closer.

Floors stay. Rerun this card every close. A new comp does not move the floor unless the council votes.
Deduction talk is a flag list for their CPA. We do not sign the election.
QBO Plus is the default file. Advanced only for AIA billing, phase budgets, or a blown class cap.
Classroom is one firm, $1,500, facilitator + workbook. Interns train offline on Harbor. Do not record it for sale.
Spend: domain, paper, miles, QBOA wholesale. Do not spend on ads, GHL, or a course funnel.

Domain + GBP. Once. Officer. NAP matches. Not: A second brand.
QBOA. Firm wholesale on the client’s Plus. Not: Buying Advanced to look bigger.
Paper + miles. X-ray, quote, this card. Log the supply-house miles. Not: A designer and a booth.
Intern. $0 until ten Harbor passes. Then a wage. Not: A cut of the $1,500.
Ads / GHL / Clay. Nothing this quarter. Not: The $11k–$28k counters already killed.

Contractor deductions

Flag for the CPA. Do not compute, elect, or put a number in the Friday snapshot as “tax saved.”

Job materials, subs, insurance, bond, tools. Ordinary. Code to the job. Not a deduction strategy — a coding rule.
§179 (2026 survey). $2.56M cap. Phase-out starts $4.09M. Limited to taxable income. Confirm the year’s IRS figure before you say it.
Bonus, acquired after 19 Jan 2025. Survey: 100% if new to them. Property bought earlier can still be on the old 20% 2026 rate. Date of acquisition is the flag.
Passenger auto. Survey first-year cap about $20,300 with bonus. Not the truck rule.
Heavy SUV / truck. GVWR over 6,000 lb is a different cap. §179 heavy SUV survey cap $32,000. Confirm GVWR from the title, not the owner.
QBI §199A. Made permanent at 20%. 2026 survey thresholds about $201,750 single / $403,500 joint. W-2 wages matter above that. A big 179 shrinks QBI. Say so. Do not model it on a napkin.
Mileage. One method per vehicle. Log or actual. Do not invent a mid-year rate in the room.
Texas. No personal income tax. Franchise / margin tax is not a federal deduction conversation. Sales tax on jobs is a coding issue, not a loophole.

QBO Accountant

Where the accountant works. QBOA: client list, reclassify, write off invoices, undo a reconciliation, report defaults, wholesale billing.
Plus — default. 5 billable users, 2 accountant users, 40 classes + locations combined, 250 accounts, 4 custom fields. Enough for a 12-account job-cost chart and Projects.
Advanced — exception. Unlimited classes, locations, accounts. 25 users. Construction add-on (2026): phase budgets, AIA-style billing, change orders. Use when Plus caps or the GC already bills AIA.
Do not. Run jobs and classes on day one. Migrate a dark file into Advanced to “fix” it. Put the firm’s card on a client-billed subscription you do not control.
Aug 2026. Essentials, Plus, and Advanced renewals repriced from 1 Aug 2026. Quote the client’s bill, not a remembered price.

Classroom

Who. One company. Up to the people who touch the file. Not a public seminar.
Length. Three hours. Facilitator pack + workbook. Intern staple is a different room.
Price. $1,500 founding. Next booking higher. Testimonial in 14 days, four to six sentences.
Package. Printed facilitator, printed workbook, red-pen card, Harbor only if they are staff. Their file stays redacted on screen.
Delivery. One table or one screen. No recording for resale. Nothing emails itself.
After. 7-day install already in the hour pack. Steward red-pens the first live artifact. Interns do not run this room.

Niche	Access	Demand	Take
Trade job-cost	High if you know a crew. Low on Google.	Hold. Houston trades still hiring.	Primary.
Extension 1040	CPA door only.	Six days, then a cliff.	Cap two.
Estate books	One attorney.	Thin.	Intro, not a hunt.
Restaurant	Walk-in, not a funnel.	Real. Credit is bad.	One prepaid name.
Dental	Quarter, not a fortnight.	Pays the floor.	Park.
Ecommerce $299	Ads will find them.	They buy software.	Refuse.