Nevada Looks Like a Tax Paradise.
The Reality Is More Complicated.
Bookkeeping, payroll, Controller, and CFO services built for Nevada businesses — hospitality, construction, technology, and professional services. We build the financial infrastructure that turns Nevada's no-income-tax environment into real, measurable savings. MBT-aware payroll, Commerce Tax planning, and real-time cash flow visibility — all of it.
Quick answer
Do I need a local Nevada accountant, or can I work with 406 remotely?
Every service below is available to Nevada businesses — delivered remotely with the same depth as a local firm, and built around Nevada's specific industries, compliance requirements, and growth environment.
Real Situations.
Real Outcomes.
Every service we offer is built around a problem Nevada 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 Henderson landscaping company — three crews, about $480,000 in revenue, busy enough that the owner is out on jobs most of the week. He goes to Nevada State Bank for an $80,000 equipment line to buy a skid steer and a new trailer. 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. This is one of the most common situations we see with small contractors across the Las Vegas metro.
Clean financials unlock things that messy books never can: a readable P&L that shows true profitability by job, a balance sheet that supports a credit application, and a clear picture of what the business actually earns. A Henderson landscaping company at $480K 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 crews are running.
$80K
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 $600K to $3.2M — Without the Owner Having to Be There Every Day
Here's what a Las Vegas hospitality services company at $600,000 in revenue typically looks like: the owner is managing everything — event bookings, vendor relationships, staffing, and trying to keep up with the books between events. She knows she's leaving money on the table but doesn't know where. She can't take a weekend off. She can't hire an operations manager because she doesn't know if she can afford one.
The path from $600K to $3.2M 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 event types and clients are actually profitable. Then a simple dashboard: revenue by event category, labor cost 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.
$600K → $3.2M
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 Reno tech services company — 20 employees, $4.8M in revenue, six 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
Details adapted for confidentiality.
Read the full storyFrom 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
Details adapted for confidentiality.
Read the full storyInterim 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
Details adapted for confidentiality.
Read the full storyTwo 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 Nevada 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.
What Nevada Business Owners Actually Owe
Nevada's headline advantage is real — no personal income tax, no corporate income tax. But two other taxes apply to most Nevada businesses and require proactive planning.
On quarterly wages above $50K. Financial institutions pay 2.0%. Often overlooked but real for any business with payroll.
Gross revenue above $4M triggers the Commerce Tax (0.051%–0.331% by industry). Most small businesses are below this threshold — but growing businesses need to plan for it.
The Foundation Has to Be Right Before Strategy Matters
Most Nevada 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
Nevada businesses — hospitality, construction, real estate, 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.
Nevada Payroll Done Right
Nevada has no state income tax withholding — but Nevada's Modified Business Tax (MBT) on payroll, unemployment insurance requirements, and the complexity of multi-state workforces create real compliance obligations. We process payroll accurately and manage all Nevada-specific requirements so you're not exposed.
Nevada Businesses Don't Need a Bigger Bookkeeper.
They Need a Controller.
Most Nevada businesses between $1M and $15M in revenue are running on bookkeeper-level financial infrastructure. That means no month-end close, no cash flow forecasting, no financial reporting that a bank or investor would take seriously. When the opportunity comes — a line of credit, a major contract, a partnership — the books aren't ready.
Our Controller and fractional CFO services give you the financial leadership of a seasoned executive without the $200K+ salary. You get month-end close, management reporting, cash flow forecasting, and a strategic partner who understands Nevada's tax environment, your industry, and where you're trying to go.
Month-End Close
Accurate, timely financials every month — not just at tax time. You always know where you stand.
Cash Flow Forecasting
13-week rolling forecasts calibrated to Nevada's seasonal patterns, your payment cycles, and your growth plan.
Management Reporting
P&L, balance sheet, and KPI dashboards that give you the information to make decisions — not just comply.
Lender & Investor Ready
When you need a bank line, SBA loan, or outside capital, your books are already at the standard they require.
Strategic Tax Planning
Controller oversight paired with proactive tax strategy — MBT, Commerce Tax, entity structure, and federal planning.
Nevada Regions We Serve
Las Vegas to Reno, Henderson to Lake Tahoe — same depth of financial expertise regardless of location.
Las Vegas Metro
The entertainment and hospitality capital of the world. Restaurants, venues, hospitality services, and construction businesses face extreme seasonality and event-driven cash flow variability.
Reno–Sparks
Nevada's emerging tech and manufacturing corridor. Tesla Gigafactory, Switch, and a growing ecosystem of logistics, manufacturing, and tech-adjacent businesses are scaling rapidly.
Henderson & North Las Vegas
Las Vegas's fastest-growing suburban markets. Construction, professional services, and distribution businesses serving the expanding residential and commercial development boom.
Lake Tahoe & Northern Nevada
Tourism, outdoor recreation, and seasonal hospitality. Businesses here face the most extreme seasonality in the state — summer and winter peaks with significant shoulder-season gaps.
Remote, and better for it
You’re in Nevada. 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 Nevada 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.
Is Your Nevada Business Actually Capturing the Tax Advantage?
Take our 6-question financial health assessment and find out where your infrastructure stands — and what's costing you money right now.
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 Nevada 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 freeNevada Business Owner Questions
Nevada's Advantages Are Real.
Let's Make Sure You're Actually Using Them.
Whether you're in Las Vegas hospitality, Reno tech, or Henderson construction — we build the financial systems that turn Nevada's tax environment into a genuine competitive advantage.