W&A White and Associates

Services

Three tiers. One operating principle.

Start where the business actually is. Move up when the work changes.

Tier 1

Bookkeeping

The foundation. Clean books, on time, by degreed accountants. Done so well you forget about it.

What's included

  • Daily transaction recording & categorization
  • Bank reconciliations
  • Credit card reconciliations
  • Accounts payable management
  • Accounts receivable management
  • Payroll coordination
  • Month-end close
  • QuickBooks Online & Desktop expertise

Who it's for

Owners who want their books done correctly the first time and never want to hear “we'll fix it at year-end” again.

What you get

A monthly close you can trust, a CPA who doesn't dread your file, and zero March surprises.

Tier 2

Outsourced Accounting

The full accounting department, without the hiring, the benefits, or the turnover.

What's included

  • P&L, balance sheet, cash flow statements
  • Period-end review & analysis
  • Workman's comp audit coordination
  • Annual nonprofit audit coordination
  • Budgeting & forecasting
  • Variance analysis
  • Management reporting
  • KPI dashboards owners actually use

Who it's for

Companies $1M–$20M that have outgrown a bookkeeper but don't need a full-time controller yet.

What you get

Financial statements you'd hand a banker without hesitation, and a forecast that survives contact with reality.

Not sure which tier? Most owners aren't — until thirty minutes in.

Tier 3

CFO Advisory

The work most accounting firms quietly avoid. The work that determines what the business is worth in ten years.

What's included

  • Fractional CFO services
  • Business valuation
  • Mergers & acquisitions support
  • Franchise development advisory
  • Generational wealth planning
  • Succession advisory
  • Strategic financial consulting
  • Business builder consulting for $1M+ owners

Who it's for

Owners considering acquisition, franchise expansion, exit, or the generational hand-off. Anyone who's asked “what's this thing actually worth?” and didn't like the answer.

What you get

A financial architect who has taken a pharma company public, run M&A integrations for SEC-regulated firms, and won a $17M lawsuit by reading bank records other people couldn't be bothered to open.

What advisory actually looks like

It puts complexity into something manageable. KPIs, industry benchmarks, the interpretive part — the connective tissue between the numbers and what to actually do about them.

Peg Pandolfi, Financial Operations Manager

Industries we serve

Owner-led companies that have outgrown a single bookkeeper.

Service professionals
Lawyers, advisors, agencies
Healthcare practices
Group & specialty practices
Real estate firms
Operating & investment
Franchise operators
Multi-unit & expansion
Construction & trades
Project-based revenue
Nonprofits
Audit-required organizations
Growing companies
$1M–$20M revenue
Owners planning exit
Sale, succession, transfer

How we work

Four steps from "let's talk" to "monthly rhythm."

No 80-page proposal. No big-firm theater. The shape of the engagement is in place inside a month.

01

Discovery call

Thirty minutes. We talk through where the business is, where it's going, and where the books are getting in the way. No pitch, no slides.

02

Diagnostic

We look at the actual books, statements, and any prior cleanup work. Owner-led companies often discover what's actually been miscategorized for years here.

03

Scoped engagement

A one-page agreement: which tier, what's included, monthly cadence, single point of contact, response-time commitment. No surprises.

04

Monthly rhythm

Close on time. Statements when you expect them. Quarterly strategy review. Every email answered within 24 hours.

Frequently asked

Questions we get on the first call.

When does a business need a CFO?
When the financial questions stop being "is this categorized correctly" and start being "should we acquire this competitor, take on this debt, or sell to that buyer." Usually around $1M–$5M revenue, sometimes earlier for businesses with M&A or franchise ambitions.
What's the difference between outsourced accounting and CFO advisory?
Outsourced accounting produces accurate financial statements every month. CFO advisory uses those statements to make decisions — valuation, M&A, expansion, exit. The first is operational; the second is strategic. Most owners need both, in that order.
How fast can you onboard a new client?
Bookkeeping engagements: typically 2–3 weeks from signed agreement to first full month closed. Complex outsourced-accounting cleanups (Ben calls these "financial colonoscopies") take 4–8 weeks. CFO advisory starts immediately.
Do you work with clients outside the Lehigh Valley?
Yes. The team is entirely remote and works with clients nationwide. Local roots in the Lehigh Valley are where we started; geography is no longer a constraint.
What's the typical engagement length?
Bookkeeping and outsourced accounting are monthly retainers, ongoing. CFO advisory engagements range from project-based (90 days for an acquisition workup) to fractional-CFO retainers running 12+ months.
How does pricing work?
Pricing depends on scope, complexity, and the state of the books. We don't publish rates because a $2M company with clean books is a very different engagement than a $15M company with three entities and an audit deadline. We quote after the 30-minute strategy call.

Pricing depends on what's actually happening in the business. That's why we talk first.