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We Built You a Free Tool: Introducing the Summer Cash Flow Workbook

Summer is one of the most financially unpredictable times of year for small business owners. Revenue gets inconsistent. Expenses don’t slow down. Estimated tax deadlines arrive whether you’re ready or not. And for many businesses — especially in construction, healthcare, food & beverage, and professional services — the gap between what looks good on paper and what’s actually in the bank can quietly widen before anyone notices.

That’s exactly why we built this.

Introducing the Summer Cash Flow Workbook

We’re excited to share the first installment of our free three-part Summer Financial Workbook Series — a practical, fill-in tool designed to help small business owners take control of their cash flow from June through September.

This isn’t a generic financial checklist. It was built by our team with our clients in mind — the real industries, the real seasonal pressures, and the real questions we hear in our offices every summer.

What’s Inside

The workbook walks you through the fundamentals of cash flow in plain language, then gives you the tools to actually apply them to your business. Inside you’ll find:

  • A Know Your Numbers worksheet covering both fixed and variable expenses, your current cash position, and a gross margin snapshot
  • A monthly cash flow tracker spanning June through September, built around the formula that actually reconciles: Beginning Balance + Cash In − Cash Out = Ending Balance
  • A Summer Checklist organized around four categories — Financial Visibility, Accounts Receivable Management, Expense Control & Reserve Building, and Tax Planning
  • Industry cash reserve benchmarks for construction, healthcare, food & beverage, non-profit, manufacturing, and real estate
  • A Break-Even Calculator so you know exactly how much revenue you need to cover your costs each month
  • A 2026 Estimated Tax Quick Reference, including safe harbor rules and all four payment deadlines
  • A Cash Flow Red Flag Indicators page — seven early warning signs that cash flow is deteriorating before it becomes a crisis
  • A Forecast vs. Actual comparison tool to build the discipline of projecting ahead, not just tracking what already happened

Who This Is For

If you own or operate a small business and summer feels financially unpredictable — this workbook is for you. It doesn’t matter whether you’re ahead of your numbers or behind them. What matters is that you have a clear picture of where you stand and a plan for what comes next.

This Is Book 1 of 3

The Summer Financial Workbook Series continues with Book 2 in July and Book 3 in August. Each workbook builds on the last, covering new topics and giving you tools to carry your financial clarity into the fall. To receive Books 2 and 3 directly, email us at [email protected] and we’ll add you to the list.

A Note from Our Team

We created this series because we believe the best client relationships are built on understanding — not just at tax time, but throughout the year. When our clients understand their numbers, they make better decisions, ask better questions, and get more out of every conversation we have together.

The workbook is free. No strings attached. It’s our way of showing up for your business the way we always have — as your trusted advisors, not just your accountants.

Download your free copy of the Summer Cash Flow Workbook here: https://shorturl.at/MSm5r

Have questions about your numbers after filling it out? We’re here. Schedule a mid-summer check-in with our team and let’s review it together.

Accavallo & Company LLC | 1000 Bridgeport Ave., Suite 410, Shelton, CT 06484 | (203) 925-9600 | [email protected] | www.aco.cpa

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CHRISTINA IMPERIOLI

Supervisor, CPA

Christina Imperioli is a Supervisor at Accavallo & Company, LLC, where she specializes in the preparation and review of individual and business tax returns across a variety of industries. With a focus on accuracy, client service, and technical expertise, she plays a key role in helping clients navigate complex tax matters.

She began her career as a Staff Accountant at The Innovative CPA Group, quickly rising through the ranks to Senior Accountant and ultimately Supervisor, demonstrating a strong commitment to professional growth and leadership.

Christina is a Certified Public Accountant and an active member of both the Connecticut Society of CPAs (CTCPA) and the American Institute of Certified Public Accountants (AICPA). She holds a Bachelor of Business Administration in Financial Accounting from Western Connecticut State University.

Throughout her career, she has worked with clients in the real estate, construction, and retail sectors, bringing valuable insight and industry-specific knowledge to every engagement.

Outside of work, she enjoys traveling with her husband and son, spending time with her three dogs—two rescues named Cole and Indigo, and a Brussels Griffon named Louie—and exploring local bookstores. Christina is a passionate reader and podcast enthusiast, she often listens to new episodes during her daily commute.

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Sherri Fisher is a Tax Manager at Accavallo & Company, LLC.  Sherri has longstanding expertise in Trust and Estate Taxation, Eldercare, and Estate planning. Sherri appreciates the relationships she has built with estate planning attorneys and advisors, to provide a team approach to assisting her clients. Sherri also has seasoned experience in business and individual taxation and is partial to assisting start-ups in developing overall accounting and operating plans.

Prior to joining Accavallo & Company, LLC, Sherri was a manager in a large firm, servicing high net worth trust clients, business, and personal clients. She was also a Partner in a large bookkeeping firm, which specialized in cloud accounting systems for regional and national companies. Sherri led a team in assisting clients to organize their accounting systems.  She is a graduate of Florida Atlantic University with a B.S. degree in Accounting.    

Sherri’s experience includes working with companies and organizations in a variety of industries including:

  • Investment Trusts

  • DAPT and Family Investment Partnerships

  • Estate and Probate Administration

  • E-Commerce

  • Manufacturing

  • Construction

  • Real Estate Investment

  • Marketing and Service-based industries

In addition to her professional accomplishments, Sherri is an Intuit Advanced Pro Advisor, Intuit Future Firm Advisory Board member, member of the Valley WIN Network, and proudly served as past Connecticut Public School liaison for the Yale Tommy Fund for Childhood Cancer. Sherri enjoys time with her family, Cleveland sports, thrifting and gardening.