INSIGHTS & THOUGHT LEADERSHIP

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Practical advice on building financial systems, managing growth, and making smarter decisions.

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Latest from 406 Consulting

CFO & ADVISORY

Red Flags: Who to Steer Clear Of, Who to Exit, and Who You Can Turn Around

Every owner overrides a warning sign they regret. Red flags in a hire, a partner, or your back office — and when to steer clear, exit, or coach them to green.

August 12, 20268 min read
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Recent Articles

Deep dives into the financial systems and strategies that drive business growth.

CFO & ADVISORY

The First Number You Check in the Morning: What Your Instinct Is Really Telling You

Bank balance, pipeline, payroll, or nothing — the number you reach for before coffee isn't a habit. It's a tell, pointing at the fear running your business.

August 19, 202611 min read
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CFO & ADVISORY

The Financial Maturity Ladder: Why the Shiny Playbook Fails — and What Actually Moves a Business Forward

Most consulting sells a playbook you're not built to run. The Financial Maturity Ladder — Chaos, Compliance, Control, Strategy — meets you where you stand.

August 13, 20268 min read
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CFO & ADVISORY

The Toxic Employee: The Hidden Tax on Your Growth, Your Team, and Your Books

A control-driven employee can cap your growth and put your finances at risk — especially with hands on the books. What it is, what it costs, and what to do.

August 12, 202610 min read
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INSIGHTS

IRS Scam Alert: Fake Letters Targeting Crypto Holders and Other 2026 Threats

A new fake-IRS-letter scam targets crypto holders with QR codes — plus AI phone calls, phishing, ghost preparers, and bogus credits. How to spot each one.

August 5, 202610 min read
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INSIGHTS

The Hidden Cost of No Systems: Why You're Paying Your Best Employee to Quit

Your top performer is doing three jobs, burning out, and you can't see which one makes money. The real cost of operational chaos disguised as hustle.

July 31, 20269 min read
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INSIGHTS

Unit Economics for Contractors: Why Your Busiest Truck Isn't Your Most Profitable

Your busiest truck isn't your most profitable. A trades owner's guide to unit economics — contribution margin per truck, crew, and field hour.

July 30, 20269 min read
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INSIGHTS

The Accidental Bookkeeper: Why 'My Office Manager Does the Books' Costs More Than a Pro

Letting a capable employee do the books feels frugal — but it drives five-figure tax overpayments and stalls growth. The real cost, and the fix.

July 28, 20269 min read
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INSIGHTS

How to Start and Grow an HVAC Business Into a Company That Runs Without You

How to start and grow an HVAC business into a company that runs without you — the 5 stages, the hats to shed, recurring revenue, and what to avoid.

July 21, 20269 min read
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INSIGHTS

How to Start and Grow a Framing Business Into a Company That Runs Without You

How to start and grow a framing business into a company that runs without you — the 5 stages, the hats to shed, and what to do (and avoid).

July 17, 202611 min read
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INSIGHTS

How to Start and Grow a Plumbing Business Into a Company That Runs Without You

How to start and grow a plumbing business into a company that runs without you — the 5 stages, the owner's hats to shed, and what to do (and avoid).

July 17, 20266 min read
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INSIGHTS

The Silent Growth Killer: How Resistance to Change — and Owners Who Allow It — Stalls Small Businesses

Resistance to change — and owners who tolerate it — quietly kills small business growth. Real examples, and how to build a company that scales.

July 17, 20266 min read
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CONSTRUCTION

Discovery Land Is Building on Flathead Lake. Here's How Montana Contractors Win — and Keep — the Work.

Discovery Land's Flathead Lake Club in Lakeside, MT is hiring subcontractors. How Flathead Valley contractors get "developer-ready" — and win the work.

July 14, 20266 min read
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TAX STRATEGY

Trump Accounts for Kids: What Montana Families and Business Owners Need to Know (2026)

Trump Accounts give kids a $1,000 head start — and let Montana business owners contribute $2,500 tax-free per employee. Here's exactly how they work in 2026.

July 13, 20268 min read
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INSIGHTS

We Got Tired of Bad Software. So We Built Custom AI Software for Our Own Practice.

We got tired of managing around bad software — so we built custom AI software on AWS for our own Montana firm. Now we're taking on select projects.

July 10, 202610 min read
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BOOKKEEPING

Bookkeeping for Trucking Companies: What You Need to Know

Bookkeeping for trucking companies — IFTA, Form 2290, per diem, and cost per mile. What general bookkeepers miss and why it costs Montana carriers money.

July 9, 20269 min read
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