Bookkeeper — answered personally.

Books by the 10th · mid-year owner review

Mid-year review.What the bookkeeper sends you around month 6.

Around the six-month mark, on top of six clean monthly closes, your bookkeeper sends a short owner-review package: where the half-year P&L actually landed, what’s on hand in cash, how the year-to-date tax projection lines up with the quarterly estimate, and a three-to-five item list of what to focus on next quarter. No meeting, no upsell.

  • Plain-language read-out
  • Numbers, chart, and copy that match your books
  • Action list for the next 90 days
Sample mid-year review · month-six owner package

See the package before you sign up.

Six review sections plus a one-page deliverable envelope and a 90-day action list. Sample numbers throughout — the layout is the deliverable.

Free, no email gate — the PDF is exactly what a real client receives.

What’s in the mid-year review

Four sections. One owner read-out. A 90-day list.

Around month six, on top of the monthly close, your bookkeeper sends a short package. The four sections below are the package — same content, same order, on the downloaded PDF and on the page.

Review section 01

P&L walkthrough to date

A six-month walk-through of revenue, cost of goods sold, gross profit, operating expenses, and operating income - laid out the way an owner reads them, not a default chart-of-accounts dump. Half-year totals in dollars, with a one-line read on what changed and why.

Review section 02

Cash position check

Cash and equivalents on hand, receivables aging broken into current / 30 / 60 / 90, and operating-expense runway measured in weeks. Number, not a vibes-based "we should be fine for a while."

Review section 03

Year-to-date tax projection

Estimated taxable income through June, federal quarterly estimate tied to the Q1 and Q2 cadence, state pass-through exposure, and the recommended Q2 estimated-payment amount. Owner notes flag anything unusual before it lands on the IRS transcript.

Review section 04

What to focus on next quarter

A short, written list of three to five concrete moves for Q3 - a pricing review, an AR follow-up cadence, a payroll or cost-recovery tweak, a hire-vs-contract decision, a cash-reserve target. Drawn from the half-year numbers, not a generic checklist.

Below this scope section is a designed sample mid-year review. Scroll for the walk-through.

Designed sample mid-year review

Here’s the package your bookkeeper sends around month 6.

Click through each tab to see the four sections a mid-year review delivers. Numbers and copy below are illustrative — the layout is the deliverable.

Maulding Bookkeeping — Sample Mid-year Review

Acme Coffee Roasters (sample) · Six months ending 30 Jun 2026

Illustrative example · numbers and copy are sample

Letter from your bookkeeper

What this package is, how the numbers were built, and how to read it.

This package is the mid-year owner read-out — a one-page walk-through of how the first half of the year actually went, what your cash position looks like as of today, and what the year-to-date tax exposure is. It’s built on top of six clean monthly closes, not a half-year rebuild, so the numbers are the same ones your monthly reports have been showing since January.

The math on the next page was done with the prior three months fully closed (April and May are reconciled to the bank; June is a live stub through the 28th), plus an owner-supplied read on the rest of June. The cash and tax projections use a conservative mid-point, not a best-case straight line, so the numbers hold if June surprises you on the upside.

The package is shared as a one-page PDF in your client folder. Read it once, then circle anything you want to talk about — the action list on the last tab is where we’ll start the next 30-minute call.

Sample — illustrative copy, not a real client letter.

Want the same package as a PDF?

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Tell me where your books stand today — transaction volume, entities, any cleanup in the history. I’ll read every request personally and reply within one business day with a time for a free 30-minute call.

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  • Out of state? Email or this form both work.
  • No price list, no upsell, no monthly minimum.