Categorization, reconciliation, monthly financial statements, cleanup and catch-up work, QuickBooks Online management.
Build your business on solid numbers.
Bedrock Financial Operations
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PHOTO 10 · MEET MATTHEWMatthew on the phone, smiling.
Meet Matthew
I'm Matthew Gottfredson. I keep the books and watch the numbers for small business owners, so they can get back to the work they're great at.
Bedrock Financial Operations is a Utah bookkeeping and fractional CFO firm run by an operator, not an accountant behind a desk. I've built four businesses of my own and sold one, and I spent a year underwriting acquisitions before starting Bedrock. Every month I reconcile your accounts and send financial statements you can actually read. When the decisions get bigger, I'm in the room as your CFO.
- Monthly bookkeepingReconciled accounts, P&L and Balance Sheet, every month
- Fractional CFOBudgets, forecasts, lending, and the big decisions
- QuickBooks OnlineCertified ProAdvisor
- Not a CPANo taxes, no payroll. Clean books your tax preparer will thank you for
Every great business is built on something that doesn't move.
Your numbers should be that thing. Not a shoebox of receipts, not a spreadsheet you dread, not a QuickBooks file nobody has reconciled since spring. A foundation: accurate, current, and understood.
That is what Bedrock does. Clean, reconciled books every month, statements written to be read, and a partner in the room when the decisions get bigger. The difference between a report that gets filed and a report that gets used.
Two ways to work together →Two ways to work together
Clean books. Clear direction.
Bookkeeping and advisory are separate services on purpose. Most clients start with the books. Some grow into a CFO relationship. Neither is a bundle you have to buy.
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PHOTO 01 · BOOKKEEPING CARDOverhead detail of Matthew's desk mid-reconciliation: laptop with QuickBooks, notebook, pen, coffee. Tidy and deliberate.
Monthly bookkeeping
Bookkeeping
Every transaction categorized, every account reconciled, and real financial statements in your inbox each month. Priced simply, by your monthly transaction volume.
- Transaction categorization and reconciliation
- Monthly P&L and Balance Sheet
- Cleanup and catch-up when the books are behind
FROM $350 / MOExplore bookkeeping →
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PHOTO 02 · FRACTIONAL CFO CARDMatthew across a table from a business owner, mid-conversation, a printed report or whiteboard between them. Shot from the owner's shoulder.
Ongoing retainer
Fractional CFO
An experienced financial partner in the room for the decisions that matter. Budgets, growth plans, lending, hiring, big purchases. Not just what happened, but what it means and what to do next.
- Financial strategy and decision support
- Budgeting, forecasting, and growth planning
- Underwriting and lending support
FROM $1,500 / MOExplore CFO services →
Who we work with
Built for businesses run by their owners.
Owner-run companies doing roughly $250K to $5M a year, from a solo operator to a crew of twenty-five, where the person reading the P&L is the same person who signs the checks.
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Contractors and trades
Construction, painting, plumbing, HVAC, landscaping, cleaning, window washing.
Job costing, materials and subcontractor tracking, trucks and equipment, and the cash swings between big invoices. Matthew ran a six-person painting crew and a window-washing company, so this is home turf.
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Service businesses
Salons, gyms, studios, agencies, consultants, coaches.
Recurring revenue, merchant fees, software subscriptions, contractors versus employees, and finally knowing what each service line actually earns.
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Real estate and property
Investors, property managers, short-term rentals, small holding companies.
Property-by-property books, deposits and owner draws kept straight, lender-ready statements, and the underwriting eye Matthew brings from a year analyzing acquisitions.
Don't see your industry? If you own the business and want the numbers handled, we should still talk.
Start the conversation →
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PHOTO 12 · "BACK TO WHAT YOU DO BEST" BANDA real client doing their craft: sparks, sawdust, flour, a job site. Their hands, their tools, their world. Wide and cinematic.
Why we do this
Get back to what you do best.
Nobody starts a business because they love bookkeeping. You started yours because you're great at something, and people need it. Our job is to take the numbers off your plate and hand them back as something useful, so your evenings, your weekends, and your best hours go to the work that's actually yours.
How it works
Four steps to solid ground.
A predictable process, from the first call to a monthly rhythm you stop thinking about.
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Talk
A short call about your business, your accounts, and what's been keeping you up at night. You'll leave with a clear price and a clear plan.
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Set the foundation
We connect your accounts in QuickBooks Online, and if the books are behind, we clean them up first. No monthly service starts on a shaky base.
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Monthly rhythm
Each month, every transaction is categorized and every account reconciled. You get a Profit & Loss and Balance Sheet with a short note, and an open invitation to walk through them together.
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Build on it
Clean numbers make bigger decisions possible. When you're ready to plan growth, borrow, hire, or budget, Bedrock's CFO services pick up right where the books leave off.
Scope, stated plainly
What we do. What we don't.
Focus is the whole point. We do two things extremely well and hand the rest to people who specialize in it.
Bookkeeping
Fractional CFO
Financial strategy, budgeting and forecasting, growth planning, lending and underwriting support, decision review.
Taxes · Payroll · CPA work
Bedrock is not a CPA firm and does not prepare taxes or run payroll. We keep your books so clean your tax preparer will thank you, and we're glad to coordinate with them.
Client reviews
In their words.
Google★★★★★Five-star reviews from Bedrock clients
Questions, answered
Before you call.
The things business owners usually ask on the first call. If yours isn't here, ask anyway.
Do you do taxes or payroll?
No. Bedrock is bookkeeping and fractional CFO work only, and we're not a CPA firm. What we do is keep your books accurate and reconciled every month, so when tax season comes, your preparer gets clean, ready-to-file records instead of a scramble. We're happy to coordinate with your CPA directly.
How is monthly bookkeeping priced?
By your monthly transaction volume, with a $350 minimum. A transaction is any line that moves through your accounts: a sale, a bill, a card swipe, a transfer. Use the price estimator on the bookkeeping page for a number in ten seconds, and we'll confirm it together on a short call. Pricing doesn't change without a conversation.
My books are behind or a mess. Where do we start?
With cleanup. Before any monthly service begins, we bring the past periods current: categorize what's uncoded, reconcile every account, fix miscategorizations, and hand you corrected statements for the period. Cleanup is billed at 75% of your monthly rate for each month cleaned up, with a $500 minimum, paid up front. Then the monthly rhythm starts on solid ground.
What do I actually get each month?
Reconciled bank and credit card accounts, every transaction categorized, and a Profit & Loss and Balance Sheet delivered with a short email. Every client gets full financial statements. That's not a premium feature. You'll also get a standing offer to walk through the numbers together, and a quick reply when you have a question mid-month.
What software do you use?
QuickBooks Online. Matthew is a certified QuickBooks ProAdvisor and works in it every day. If you're on something else, we'll talk through whether and how to move you over. Most clients find the transition simpler than they feared.
What is a fractional CFO, and do I need one?
A fractional CFO gives you the financial leadership of a full-time CFO for a fraction of the cost and time. It's for owners who are past "are the books right?" and into "what should we do next?" Budgeting, growth planning, lending, hiring, big purchases. If you're making decisions in the tens of thousands of dollars on gut feel, it's probably time. If you just need clean books, start there.
Do I have to be in Utah?
Bedrock is based in Utah, and everything we do runs through QuickBooks Online, email, and video calls. Distance isn't a barrier. Local clients are welcome to meet in person.
How do we get started?
Run the estimator or send a note through the contact page. We'll set up a short call, look at your accounts together, and confirm a price and a start date. Most new clients are up and running within a couple of weeks.
The Owner's Draw · on Substack
Straight talk on bookkeeping and CFO strategy, written for owners.
Short, practical notes on running a small business by the numbers: what to watch, what to ignore, and how to make the money side serve the life you actually want. No fluff, no spam.
