The Lowest Flat Tax in the Nation.
Are You Actually Capturing It?
Bookkeeping, payroll, Controller, and CFO services built for Arizona businesses — construction, real estate, healthcare, and professional services. We build the financial infrastructure that captures Arizona's full competitive advantage. Clean books, compliant payroll, and real-time cash flow visibility — all of it.
Quick answer
Do I need a local Arizona accountant, or can I work with 406 remotely?
Every service below is available to Arizona businesses — delivered remotely with the same depth as a local firm, and built around Arizona's specific industries, compliance requirements, and growth environment.
Real Situations.
Real Outcomes.
Every service we offer is built around a problem Arizona business owners actually face. Here's what that looks like in practice — and what becomes possible when the financial foundation is right.
When the Bank Says No — And the Books Are Why
Picture a Chandler HVAC company — two service vans, about $340,000 in revenue, busy enough that the owner is running calls six days a week. He goes to Desert Financial for a $55,000 equipment line to buy a third van and a new diagnostic unit. The bank says no. Not because the business isn't making money — it probably is. But the books are a mess. Business expenses are mixed with personal spending. There's no job costing. The P&L looks like a disaster even though cash is coming in.
Clean financials unlock things that messy books never can: a readable P&L that shows true profitability by service type, a balance sheet that supports a credit application, and a clear picture of what the business actually earns. A Chandler HVAC company at $340K with proper job costing and clean separation between business and personal is a fundable business. The same company with mixed books isn't — regardless of how many calls the vans are running.
$55K
Equipment line — the difference between clean books and mixed ones
The Books Looked Fine. They Weren't.
Here's a pattern we see all the time. A business runs for years with a cheaper bookkeeping service. On the surface, the books look okay — revenue is recorded, expenses are tracked. But dig in and two problems have been compounding quietly. First: the owner makes capital contributions — putting their own money in to cover slow months — and those contributions get coded as revenue. That inflates taxable income every single year.
Second: equipment purchases get coded as owner contributions instead of fixed assets. That means the business never takes the depreciation deductions it's entitled to — thousands of dollars in write-offs, gone. Correct the coding and the picture changes significantly. An owner in this spot can be prepared to keep paying tens of thousands in taxes they don't owe — when they don't have to. A cheaper bookkeeper records what happens. A good one understands what it means.
Years
How long miscoded books can quietly inflate a tax bill before anyone reviews them
From $500K to $2.8M — Without the Owner Having to Be There Every Day
Here's what a Scottsdale consulting firm at $500,000 in revenue typically looks like: the owner is doing everything — client work, proposals, invoicing, and trying to keep up with the books on Sunday nights. She knows she's leaving money on the table but doesn't know where. She can't take a vacation. She can't hire a second consultant because she doesn't know if she can afford one. She is the bottleneck in her own business.
The path from $500K to $2.8M isn't about working harder — it's about building the financial infrastructure that lets the business run without the owner being the answer to every question. That starts with a real P&L that shows which clients and service lines are actually profitable. Then a simple dashboard: revenue by client, overhead as a percentage of revenue, a 13-week cash flow forecast. With that foundation, an owner can hire, delegate, and grow — because the numbers tell the story clearly.
$500K → $2.8M
What the maturity ladder looks like when financial systems keep pace with growth
When the Offer Comes, You Have 3 Weeks or 9 Months
Here's what acquisition readiness actually looks like in practice. A Tempe tech services company — 18 employees, $4.3M in revenue, seven years of steady growth — gets contacted by a PE-backed IT services rollup. The owner wasn't actively looking to sell. But the offer was real, and the number was interesting. What happens next depends entirely on one thing: whether the books are already right.
If the financials are clean, auditable, and consistently maintained — three years of management reporting, proper revenue recognition, clean separation of service lines — due diligence takes three weeks. If they're not, it takes six to nine months to reconstruct, and half the time the deal falls apart in the process. The difference isn't luck. It's whether the financial foundation was built before the opportunity arrived.
3 Weeks
To close due diligence — versus 6-9 months if the books aren't already right
What 406 Has Done for Businesses Like Yours
View all case studies$8M to $40M Without Outgrowing Financial Systems
- Owner signs checks once/month — not buried in daily ops
- Scaled 5× with financial systems that kept pace
- Acquisition-ready books and controller-level oversight
From Bank Rejection to a $7M SBA Financing Outcome
- Rebuilt books and projections across 5 entities from scratch
- Delivered SBA-grade lender package that positioned the deal
- Restructured $7M in debt — saving $20,000/month
Interim CFO Through Big 4 Diligence & Cross-Border Acquisition
- Stepped in as Interim CFO — no disruption to operations
- Navigated KPMG due diligence for a Canadian acquirer
- Deal closed on the owners' terms — clean books, clean exit
Two founders who've sat on both sides of the table
406 isn't a call center. When you work with us, you work directly with the people who own the firm — and both of them bring experience most Arizona businesses never get from an accountant.
Carrie
Commercial Banking & Underwriting
Spent her career in commercial banking and underwriting — reviewing 300+ business loans. She knows exactly how a lender reads your financials, what makes a bank say yes, and how to position a business that's trying to grow or borrow.
Jason
Big-Firm Accounting & Systems
Big-firm accounting background with a passion for process and efficiency (Six Sigma, made practical). He builds the systems that keep books clean and taxes planned — not just filed. Both founders also bring hands-on oil & gas and energy-industry experience.
The Foundation Has to Be Right Before Strategy Matters
Most Arizona businesses have a tax preparer. Very few have clean books, compliant payroll, and real-time financial visibility. That's the foundation we build first — because without it, every other service is built on sand.
Clean Books, Every Month
Arizona businesses — construction, real estate, technology, hospitality, and professional services — all need accurate, reconciled financials maintained monthly. We use QuickBooks Online or Xero, categorized correctly for your industry, and ready for your bank, your CPA, or your partners whenever they need it.
Arizona Payroll Done Right
Arizona's fast-growing economy — driven by in-migration from California and a booming construction and tech sector — means more employees, more complexity, and more compliance exposure. We process payroll accurately and manage Arizona state withholding, unemployment insurance filings, and multi-state payroll for businesses expanding across state lines.
Arizona’s 2.5% Flat Tax Is the Lowest in the Nation. But That Advantage Only Works If Your Financial Infrastructure Can Capture It.
Most Arizona business owners who relocated from California are still running their finances like they’re paying 13.3% income tax — over-insured, under-invested, and leaving deductions on the table. The tax savings are real. The question is whether your books are clean enough to prove it.
Our Controller and fractional CFO services give Arizona businesses the month-end close, PTE election planning, and management reporting that turns a tax advantage into a compounding growth engine.
PTE Election Planning
Arizona Pass-Through Entity election — a workaround to the federal SALT cap (raised to $40K for 2025 under OBBBA) for S-Corp and partnership owners.
Month-End Close
Accurate, timely financials every month — not just at tax time.
California Transition
FTB residency risk, domicile structuring, and clean-break documentation for CA transplants.
Lender & Investor Ready
Books at the standard banks and investors require — before you need them.
Top Marginal Income Tax Rate — State by State
Arizona’s 2.5% flat tax is the lowest in the nation among states with an income tax. A $500K earner moving from California to Arizona saves over $53,000 per year in state income tax alone.
Source: Tax Foundation. Arizona’s 2.5% flat rate has been effective since Jan 1, 2023. Nevada and Wyoming have no state income tax.
Remote, and better for it
You’re in Arizona. We’re in Montana.Here’s why that’s an advantage.
The best accountant for your business almost certainly isn’t the one with the nearest office. Modern accounting runs on cloud books, a secure portal, screen-share, and video — so the relationship is built on expertise and responsiveness, not drive time. A great remote firm beats an okay local one every single time.
About 80%of even our own local Montana clients run the entire relationship remotely — and never come into the office. Working with Arizona businesses is exactly the same.
Cloud books, always on
Your numbers live in the cloud — you can see them any time, not just at tax season.
Real conversations
Scheduled video reviews and screen-shares where we walk through the numbers together.
Secure document portal
Send and sign everything safely — no dropping off a shoebox of receipts.
Same-day responsiveness
You get faster answers from us by email and call than from most firms down the street.
Are You Capturing Arizona’s Full Tax Advantage?
6 quick questions across cash visibility, financial systems, and tax strategy. Get a score and a specific recommendation — instantly.
Not Ready to Call? See Exactly How We Work First.
Browse our service pages to understand what Controller, CFO, bookkeeping, and tax planning actually look like — scope, deliverables, and who it’s right for.
Put numbers to your Arizona tax picture
Free tools to see where you stand before you ever book a call.
Financial Maturity Assessment
See exactly where your finances stand — from chaos to strategy — in about 8 minutes.
Try it freeS-Corp Tax Calculator
Find out whether an S-corp election could cut your self-employment tax this year.
Try it freeS-Corp Salary Calculator
See whether an S-Corp election could cut your self-employment tax — with real numbers.
Try it freeAre You Capturing Arizona's Full Tax Advantage?
Take our 6-question assessment and find out where your financial infrastructure stands — and what's costing you money right now.
Take the Free AssessmentArizona Business Owner Questions
Arizona's Tax Advantage Is Real.
Let's Make Sure You're Using It.
Whether you're in Phoenix construction, Scottsdale professional services, or Tucson manufacturing — we build the financial systems that let you capture Arizona's full competitive advantage.