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Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Sign up for group coaching to get your Cash Flow MRI Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Struggling to get bonded for bigger jobs? Funds control might be your ticket to landing contracts you never thought possible. Wade and Stephen break down how this third-party payment system works, when it's required, and how to make it work FOR your business instead of against it.  Learn the difference between good and bad funds control companies, how it can open doors with SBA bonding, and why smart contractors see it as a stepping stone to bigger opportunities. ⌚️ Key moments in this episode: 00:00 Why Funds Control Matters00:40 Funds Control Explained02:18 Costs and Key Benefits03:07 Choosing the Right Provider06:11 Set Expectations Upfront08:12 Cash Flow and Turnaround09:55 Accounting and Job Costing11:24 SBA and Bigger Bonds12:49 Getting Bond Ready16:11 Future Uses and Wrap UpThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Sign up for group coaching to get your Cash Flow MRI Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Most contractors don't fail from one bad job—they go broke slowly over time. Liberty Mutual's claims analysis reveals the top 4 categories that bankrupt contractors: cash flow deterioration, dangerous changes, subcontractor network failures, and risky bond terms.  Wade Carpenter and Stephen Brown break down each category with practical insights to protect your business and maintain strong surety relationships. ⌚️ Key moments in this episode: 00:00 Why Contractors Fail Slowly00:25 Liberty Mutual Claims Lessons02:11 Category 1 Cash Flow Red Flags03:08 Job Borrow and Late Financials06:28 Category 2 Dangerous Change10:13 Category 3 Subcontractor Network Risk12:13 Category 4 Contract and Bond Traps14:42 Surety Support During Claims16:07 Key Takeaways for Bonded Work17:45 How to Reach Stephen19:03 Wrap Up and SubscribeThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Sign up for group coaching to get your Cash Flow MRI Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Tired of big payments coming in only to worry about payroll two weeks later? Wade reveals his revolutionary Cash Flow MRI, a comprehensive diagnostic tool that uncovers hidden cash drains traditional accounting misses.  Learn why your profitable P&L might be masking serious cash flow problems and discover the real breakeven numbers you need to bid profitably. Includes debt analysis, sustainable growth calculations, and a complete system for contractor financial health. ⌚️ Key moments in this episode: 00:00 Cash Flow Wakeup Call00:32 Meet the Hosts01:02 The MRI Story02:59 X Ray vs MRI Money04:07 Why Profit Isnt Cash05:30 Inside the MRI Tool07:43 Cash Reality Bridge08:16 Break Even Reframed09:46 Cash Conversion Cycle10:50 Data Quality Matters12:05 Debt and Bidding Fixes13:46 Growth and Cash Gaps15:35 Profit First Setup Plan17:45 Owner Pay and Seasonality18:51 Report and Coaching Offer21:34 Wrap Up and Next StepsThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. Connect with Rob on LinkedIn ℹ ABOUT THIS EPISODE Celebrating 5 years and 263 episodes! Wade Carpenter, Stephen Brown, and returning co-host Rob Williams share the most impactful episodes, business lessons, and evolution of the show.  Rob reveals his new focus on exit planning and business valuations for contractors earning $10M-$1B. From Profit First to joint ventures to scaling up strategies, discover the episodes that changed how contractors think about their businesses. Plus: why 75% of business owners regret their sales and how to avoid that trap. ⌚️ Key moments in this episode: 00:00 Five Year Milestone00:50 Rob Returns Update01:11 Staging For Exit04:39 Rembrandt In Attic06:39 Favorite Episodes09:49 Profit First Lessons12:03 Cash Flow Drivers14:42 Throughput And Constraints16:58 Early Podcast Days18:20 Behind The Scenes Amanda18:35 Favorite Episodes Talk19:16 Survival Trap Lessons21:18 Coaching Contractors Better22:35 Rob’s Business Shift24:00 Exit Planning Purpose26:06 AI and Tech Mindset28:24 How to Reach Rob30:15 Sell Smart Not Fast32:00 Planned Exit Psychology34:54 Five Year Wrap UpThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Tired of working harder but seeing less profit? You're pulling the wrong levers. Wade and Stephen break down the four proven ways to grow your construction business that actually move the needle on your bottom line.  Learn why 'doing more work' isn't the answer and discover the mathematical drivers that can increase your business value by 85%. Plus exciting announcements as we kick off year six of the Contractor Success Forum! ⌚️ Key moments in this episode: 00:00 Working Hard Not Rich00:22 Podcast Milestone Intro01:35 Four Growth Levers02:34 Win Better Jobs04:16 Raise Contract Value05:24 Boost Gross Margin10:19 Control Overhead11:54 Pricing Math Reality12:47 Build Exit Value14:56 Year Six Reflections17:25 Audiobook Announcement19:32 Community Coaching Launch21:39 Subscribe And Wrap UpThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Discover the shocking math behind equipment purchases that contractors never see. Wade and Stephen reveal how the common advice to 'just buy it and write it off' can trap your business in a dangerous cash flow spiral.  Learn the real numbers behind lease vs buy decisions, equipment depreciation, and why that tax deduction might cost you $20,000 more than you think. Essential listening for any contractor making equipment decisions. ⌚️ Key moments in this episode: 00:00 Write Off Truck Myth01:46 Cash Flow First Questions03:02 Truck Loan Math Demo05:00 Negative Equity Trap08:14 Lease Versus Buy Reality12:54 Repair Versus Replace17:39 Section 179 Recapture Shock21:43 Avoiding the Debt Spiral24:13 Better Advice and Wrap UpThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Your insurance premiums don't have to feel like surprise change orders. Wade Carpenter (CPA) and Stephen Brown (bonding/insurance expert) reveal actionable strategies to control your construction business insurance costs in 2026.  Learn what's driving premium increases, common contractor mistakes that spike rates, and proven tactics to get better coverage for less.  From vehicle insurance to workers' comp, discover how to work with your agent proactively instead of reactively to protect your cash flow and profitability. ⌚️ Key moments in this episode: 00:00 Why Premiums Keep Rising00:22 What Drives Pricing02:42 Insurance Is Not A Commodity04:50 Hidden Premium Triggers08:46 Claims History And Hiring11:17 Best Contractors Win Rates13:06 Proactive Service Mindset16:19 Hard Versus Soft Markets20:19 Year Round Cost Control23:41 Key Takeaways And WrapThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Your insurance premiums don't have to feel like surprise change orders. Wade Carpenter (CPA) and Stephen Brown (bonding/insurance expert) reveal actionable strategies to control your construction business insurance costs in 2026.  Learn what's driving premium increases, common contractor mistakes that spike rates, and proven tactics to get better coverage for less.  From vehicle insurance to workers' comp, discover how to work with your agent proactively instead of reactively to protect your cash flow and profitability. ⌚️ Key moments in this episode: 00:00 Why Premiums Keep Rising00:22 What Drives Pricing02:42 Insurance Is Not A Commodity04:50 Hidden Premium Triggers08:46 Claims History And Hiring11:17 Best Contractors Win Rates13:06 Proactive Service Mindset16:19 Hard Versus Soft Markets20:19 Year Round Cost Control23:41 Key Takeaways And WrapThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Think markup and margin are the same? This costly mistake could be draining $100K+ from your annual profits.  Wade breaks down the math with real contractor examples, showing why a 25% markup only gives you 20% margin.  Learn the correct formulas to bid jobs that actually deliver the profit you expect, plus get access to calculation tools that ensure your estimators use the right numbers every time. ⌚️ Key moments in this episode: 00:00 Profit Math Warning00:21 Markup vs Margin Setup02:07 Is 25% the Same03:01 The 2 Million Example03:48 Markup to Hit Margin06:58 Markup Table Shockers08:04 Remodeler Case Study11:20 Commercial GC Mistake13:16 Profit First Cash Impact14:54 Calculator Annual Losses16:17 Wrap Up Key Takeaways17:06 Final Recap and OutroThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Email Stephen to get his Data Center Job Risk Checklist Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Data center construction is exploding with $3 trillion in global investment by 2030. Wade and Stephen break down the massive opportunities and serious risks contractors face in this booming sector.  From specialized labor shortages to complex insurance requirements, liquidated damages, and equipment delays, learn what you need to know before bidding on these high-stakes projects that could make or break your business. ⌚️ Key moments in this episode: 00:00 Why Construction Feels Different: The Data Center Boom Is Here00:24 Meet the Hosts + The ‘Infrastructure Supercycle’ Numbers01:38 What Makes Data Centers So Complex (Water, Power, MEP Trades)04:28 Contract & Bonding Landmines: Risk Before, During, and After07:08 Real-World Claims & Warranty Exposure08:55 How to Manage the Risk: Teams, Communication, and Long Lead Times12:21 Where the Growth Is + Power, Safety, and Community Pushback15:50 Contractor Playbook: Insurance, Bonding, and a Practical Risk Checklist21:32 Wrap-Up + Get the Checklist (Contact Info)The Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Get the free guide: The Contractor’s Guide to Work in Progress Reports Email Stephen to get his WIP schedule Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Stop the confusion between your accountant saying you owe taxes on invisible money and your bonding company cutting your credit line.  Wade Carpenter and Stephen Brown reveal how proper Work in Progress (WIP) reports transform your construction business from reactive to proactive.  Learn the essential components, avoid common mistakes, and discover why monthly WIP reports are your secret weapon for maximizing profitability, securing bonding capacity, and making smarter business decisions. ⌚️ Key moments in this episode: 00:00 Accountant vs. Bonding Company: Why Your Numbers Don’t Match00:22 What a WIP Report Really Tells Underwriters (and You)02:58 WIP Must Tie to Financials: Software Limits & Data Quality04:43 Core WIP Inputs: Contract, Costs, Billings, Change Orders & Retainage07:11 Percentage of Completion 101: Earned Revenue vs. Billed Cash09:31 Overbillings vs. Underbillings: Balance Sheet Impact & Bonding Red Flags13:09 Loss Jobs, GAAP Loss Recognition & Avoiding Underwriter Surprises15:21 Stored Materials, Near-Completion Issues & Other GAAP Gotchas17:21 Warning Signs on a WIP: Rising Costs, Missing Change Orders & Patterns21:46 Common WIP Mistakes: Miscoded Costs, Unrecorded Invoices & Stale Estimates24:13 Monthly WIP Best Practices + Checklists, Forms & How Often to Run It30:20 Wrap-Up: Resources & Contact InfoThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Get the free guide: How to Improve the Profitability of Your Construction Company Visit the episode page for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Discover why that big, high-margin job might actually hurt your bottom line. Wade and Stephen break down the throughput method, analyzing profit per week instead of just profit margins. Learn how to evaluate job decisions based on speed of profit generation, cash flow timing, and operational constraints.  Plus real case studies showing when overtime, equipment investment, and hiring coordination staff actually increase profitability despite higher costs. ⌚️ Key moments in this episode: 00:00 Introduction: Choosing the Right Job Path00:36 Recap of Previous Episodes01:39 Profit Improvement Potential03:23 Understanding Throughput08:38 Case Studies and Practical Examples20:15 Final Thoughts and ResourcesThe Contractor Profit Blueprint is a complete guide that breaks down exactly how to identify where your money's going and start keeping more of it. This isn't theory. It's the same framework I use with contractors I work with every single day. Head to profitfirstconstruction.com/blueprint to download your free copy.  Stop working for free. Let's get you keeping what you've earned. Join the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page at for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE You can't fix what you can't see. Most contractors know their overall margin but have no idea which parts of their business actually make money.  Wade Carpenter and Stephen Brown break apart the 'green smoothie' of blended P&L statements to reveal hidden profit pockets.  Through real case studies, discover how segmentation helped contractors work fewer hours while increasing profit by $80,000-$137,000.  Learn why your proudest projects might be killing your business and how to identify your true profit makers. ⌚️ Key moments in this episode: 00:00 Introduction to Profit Visibility in Construction01:13 Recap of Previous Episodes03:15 Case Study: Commercial vs Residential Profit Margins06:14 Case Study: Electrical Contractor's Profit Analysis09:59 Case Study: Mechanical Contractor's Profit Breakdown14:50 Case Study: Remodeling Group's Financial Insights21:33 Conclusion and Next StepsJoin the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page at for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Ready for the construction-specific math that transforms your bottom line?  In part 2, Wade reveals how different job types, pricing strategies, and cash flow cycles impact your real profitability. Discover why collecting receivables just 1 day faster could put $186K more in your bank, how job segmentation reveals hidden profit centers, and the simple scenarios that help you stop growing broke.  This isn't theory, it's practical math every contractor can use. ⌚️ Key moments in this episode: 00:00 Introduction to Profit Improvement Potential00:01 Recap of the First Episode00:10 Understanding Construction Project Mix02:03 The Importance of Pricing Strategy06:15 Segmentation in Construction Business06:56 Analyzing Different Job Types14:24 Cash Flow and Profitability23:14 Conclusion and Final ThoughtsJoin the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com

Send us Fan Mail 🔗 LINKS Visit the episode page at for more details and a transcript of the show. Get Profit First for Commercial Construction--OUT NOW! Subscribe to get notified as soon as new episodes go live. ℹ ABOUT THIS EPISODE Discover the Profit Improvement Potential hiding in your construction business!  Wade reveals the simple math that shows why chasing revenue kills profits and how small 1% improvements across key areas can dramatically boost your bottom line.  Learn why lowering prices requires 50% more customers to break even, but raising prices 10% lets you lose 25% of customers and still profit more.  This CFO-level analysis will change how you think about pricing, customer acquisition, and business value forever. ⌚️ Key moments in this episode: 00:00 Introduction to Profit Improvement Potential00:58 Understanding Business Metrics02:41 Strategies to Increase Revenue08:25 Cost Management Techniques09:52 Valuing Your Business13:32 The Impact of Pricing on Profitability17:58 Conclusion and Next StepsJoin the Profit First for Construction community! Find all episodes and related links at ContractorSuccessForum.com. Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs     FIND US ONLINE Wade Carpenter, CPA, CGMA | CarpenterCPAs.com Stephen Brown, Bonding Expert | SuretyAnswers.com