Treasury & Cash Flow Management

At McIntosh Carter CPA, we know that managing cash flow is just as important for individuals as it is for businesses. Whether you're overseeing operations or managing household finances, understanding how your money moves and how to make it work smarter is key to staying financially secure.

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With over 15 years of experience in banking, finance, and accounting, our Treasury & Cash Flow Management services are built to help you maintain liquidity, reduce stress, and make confident decisions. We offer practical, personalized guidance tailored to your unique situation, whether you're forecasting business cash flow or planning your monthly budget.

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For Businesses:

• Cash Flow Forecasting & Budgeting – Anticipate future cash needs and avoid shortfalls with customized projections.

• Banking & Treasury Oversight – Streamline account structures and improve treasury operations.

• Working Capital Management – Optimize receivables, payables, and inventory to keep cash flowing smoothly.

• Internal Controls & Safeguards – Protect your assets with sound procedures and oversight.

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For Individuals:

• Personal Cash Flow Planning

• Get a clear picture of your income, expenses, and savings goals.

• Expense Tracking & Budget Support

• We help you build a realistic budget and stick to it, without the guesswork.

• Short-Term Liquidity Strategies

• Prepare for upcoming bills, unexpected costs, or seasonal changes in income.

• Bank Account Optimization

• Evaluate your personal banking setup to ensure convenience, safety, and efficiency.

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Why McIntosh Carter CPA?

Whether you're a small business owner, a retiree, or a working professional, we meet you where you are. Our approach is personal and practical. We take the time to understand your financial habits and help you build systems that support your goals, free of judgment, and always respectful of your time.