Tax Preparation and Tax Strategy
Built for Bonded Construction Companies
SuretyCFO provides tax preparation and tax planning services designed specifically for contractors whose financials are reviewed by surety underwriters. Our approach balances tax efficiency with bonding credibility, so tax decisions do not unintentionally weaken working capital, net worth, or liquidity.
We prepare taxes with full awareness of how they impact bonding capacity.
What We Offer
01
Construction-Focused Tax Preparation
We prepare federal and state tax returns for construction companies, ensuring accuracy, compliance, and consistency with your financial statements.
Our tax preparation supports:
-
Bonding requirements
-
CPA-reviewed or compiled financials
-
Clean alignment between tax returns and surety submissions
This reduces questions and reconciliation issues during underwriting review.
02
Bond-Aware Tax Planning
Not all tax strategies are bonding-friendly.
We help contractors evaluate tax elections and planning decisions through both a tax and surety lens, including:
-
Entity structure considerations
-
Timing of deductions and income recognition
-
Depreciation strategies and their balance sheet impact
-
Owner compensation planning
The goal is to minimize tax exposure without sacrificing financial strength in the eyes of underwriters.
03
Managing the Tax vs Bonding Tradeoff
Aggressive tax minimization can reduce:
-
Net worth
-
Working capital
-
Liquidity ratios
Our role is to help contractors understand these tradeoffs and choose strategies that support long-term growth, not just short-term tax savings.
04
Estimated Tax and Cash Flow Planning
We help contractors plan for tax obligations without creating cash strain that affects project performance or bonding capacity.
This includes:
-
Quarterly estimated tax planning
-
Cash flow forecasting tied to tax payments
-
Avoiding liquidity surprises that concern underwriters
05
​Alignment with CFO and WIP Oversight
Tax preparation at SuretyCFO does not live in a silo.
We ensure:
-
Tax returns align with WIP schedules and job costing
-
Financial statements and tax filings tell a consistent story
-
Changes in tax strategy are reflected in bonding discussions
This coordination reduces friction with CPAs, agents, and underwriters.
Who Our Tax Services Are For
SuretyCFO bookkeeping is ideal for.
Contractors performing bonded work
Construction companies preparing for growth
Firms that want tax efficiency without hurting bonding capacity
Contractors who want fewer surprises during surety review
How Our Tax Services Are Different
Most tax preparers focus only on compliance and minimizing taxes.
SuretyCFO focuses on:
Tax accuracy
Financial consistency
Bonding impact
Long-term capacity planning
Tax decisions are made with full awareness of how underwriters will interpret them.
Integrated CFO and Tax Support
By combining CFO advisory and tax preparation, SuretyCFO provides:
One coordinated financial strategy
Fewer disconnects between tax and bonding
Stronger financial presentations
Better outcomes with sureties and agents
The Result
Contractors working with SuretyCFO gain:
Accurate, bond-aligned tax filings
Clear communication across CPA, agent, and surety relationships
Tax strategies that support growth
Stronger balance sheets