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CFO Shenanigans
The ramblings of a Finance Whisperer
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It's Audit Season. Here's Why Your PHA Still Needs a CFO in August (Not Just April)
If your public housing authority treats audit season like an annual archaeological dig: dusty files, mysterious journal entries, and someone whispering, “Who approved this transfer?”: you are not alone. But here’s the uncomfortable truth: the audit is rarely the real problem. The real problem is the eleven months of unreconciled accounts, inconsistent coding, undocumented decisions, and “temporary” inter-program balances that quietly become permanent residents of your general

Bob Swetz, CPA
22 hours ago5 min read


Your PHA's Guide to HUD REAC Submission & PHAS Improvement
Let’s be real: nothing test-drives your agency's blood pressure quite like the approaching deadline for your hud reac submission and the looming weight of pha phas scoring. If you find your team working late into the night, squinting at messy general ledgers and sweating over the Financial Data Schedule (FDS), you are far from alone. Too many Public Housing Authorities treat compliance as a once-a-year fire drill: scrambling to pull reports together only when the audit clock

Bob Swetz, CPA
Aug 42 min read


What Is a Fee Accountant : and Do You Need a Virtual CFO Instead?
If you have spent any time reviewing Requests for Proposals (RFPs) for a Public Housing Authority, you already know the term fee accountant inside and out. It is the default staple of public housing authority accounting: the go-to professional expected to keep the books clean and the federal regulators happy. But let's be real for a moment: when your board starts asking hard questions about long-term sustainability, capital planning, or portfolio restructuring, standard compl

Mike Floyd, MBA
Jul 302 min read


Cash Flow Forecasting 101: How to Predict 6 Months Ahead (Without a Crystal Ball)
Let's be real: staring at your bank account at the end of the month and wondering where every dollar vanished feels less like running a business and more like playing financial roulette. Did payroll clear? Did that grant funding get delayed again? If you're leading a mission-driven organization or scaling a business, relying on a gut feeling is a fast track to burnout. Effective cash flow forecasting isn't some mystical divination reserved for Wall Street wizards; it’s a grou

Bob Swetz, CPA
Jul 282 min read


Fractional CFO vs. Full-Time CFO: Which One Actually Saves You Money?
Let’s be real for a second: Are you actually sleeping through the night, or are you one of those nocturnal creatures squinting at a blurry financial report at 2 AM, wondering where the cash went? I know the feeling. You’re leading a mission-driven organization, your impact is growing, but your financial systems feel like they’re held together by duct tape and hope. You know you need high-level financial leadership: someone who can see around corners, manage risk, and tell you

Mike Floyd, MBA
Jul 244 min read


Stop Playing Whack-a-Mole with Your Finances
Does your Monday morning feel less like a strategic kickoff and more like a high-stakes game of arcade Whack-a-Mole? You know the drill: you sit down with your coffee, ready to tackle that big-picture growth plan, and thwack: an unexpected tax bill pops up. You hammer it down, only for a grant compliance scramble to burst through the floor five minutes later. Before you can even catch your breath, a cash crunch or a panicked board member query hits the surface. You're exhaust

Bob Swetz, CPA
Jul 213 min read
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