The Business Partner You've Been Running Without

BOA is the partner that knows tax strategy like a $500/hr attorney, operations like a seasoned COO, cash flow like a CFO, and growth like a strategic advisor. One platform. Your actual numbers. Specific next steps.

One Partner. Five Roles. Zero Gaps.

Large Companies Have Teams of Advisors. You Have BOA.

💼
Your Tax Strategist
Replaces: $500/hr tax attorney + CPA advisory
38+ strategies across 8 IRC categories. Every strategy calculated from your actual revenue, salary, and entity structure. Dollar savings. IRC citations. Implementation steps. Deadlines. Not "consider optimizing" — exact numbers and what to do about them.
BOA tells you:
"Reduce your W-2 to $142,000 — saves $4,613 in FICA. IRC §3121."
"Max your Solo 401(k) employer contribution: $35,000 more. Deadline: filing date."
💰
Your CFO
Replaces: fractional CFO ($3K-$8K/mo)
Monthly cash flow model with tax reserve calculations. 30-year wealth trajectory. Financial independence number. Quarterly estimated payments. Three-tier reserve framework. Cost-of-inaction analysis showing what every day of delay costs you.
BOA tells you:
"Set aside $5,301/mo for taxes. Your quarterly payment is $17,875."
"At current trajectory: FI by 2047. Optimized: 2041. 6 years sooner."
⚙
Your COO
Replaces: operations consultant + HR advisor
Compliance scoring across every entity. Worker classification risk analysis. FLSA exemption checks. Insurance adequacy assessment. Contract clause checklists. Year-end readiness score. Not reference guides — active analysis of your actual business data with red/yellow/green indicators.
BOA tells you:
"Compliance score: 55/100. Missing: workers comp, IC agreements for 3 contractors."
"Contractor 'J. Smith' — classification risk: HIGH (68/100). Reclassify or restructure."
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Your Strategic Advisor
Replaces: business consultant + M&A advisor
Revenue tier analysis with scaling triggers. Exit planning with EBITDA and cap rate valuations. Asset vs stock sale tax comparison. QSBS eligibility. Multi-entity optimization. Quarterly business reviews with health scores and next-quarter priorities.
BOA tells you:
"Business valuation: $875K-$1.575M. Stock sale saves $45K vs asset sale."
"Revenue concentration risk: HIGH. 82% from one entity. Diversify."
Not a Dashboard. A Partner.

You Can Talk to BOA. And It Talks Back with Your Numbers.

Other tools show you charts and hope you figure out what to do. BOA answers your questions with specific, data-driven guidance based on your complete financial picture. Ask it anything about your business.

Simple questions are answered instantly from your data — no AI needed, no latency, no hallucination risk. Strategic questions go through the Raptor governance engine for multi-perspective, auditable analysis.

  • 10 local intents answered in under 1 millisecond from your actual data
  • Strategic questions governed by Raptor — intent recorded, policy evaluated, response attested
  • Every recommendation becomes a tracked action item with due dates and follow-up
  • Proactive notifications: BOA tells you when deadlines approach, actions are overdue, or new strategies unlock
  • Quarterly business review: health score, implementation rate, compliance status, next-quarter priorities

Talk to Your Business Partner

How much 401(k) contribution room do I have?
Solo 401(k): $11,000 remaining (limit $31,000, contributed $20,000). Your employer profit-sharing limit is $35,000 (25% of $140,000 W-2). Combined cap: $66,000.
Source: retirement-registry | Answered in <1ms | Data-driven
Should I convert to a C-Corp for retained earnings?
Based on your $310K net income at 35% marginal rate: C-Corp 21% rate saves $14K/yr on retained earnings. However, you'd lose the $20,646 QBI deduction and face double taxation on distributions. Net impact depends on your distribution plans...
Source: Raptor Governed | Intent recorded | Audit attested
What's my business health score?
Business Health: 51/100. Compliance: 55 (at risk). Implementation rate: 0% — you have 8 unacknowledged strategies worth $76,406/yr. 4 overdue actions need attention. Start with the Solo 401(k) — $21,978/yr savings.
Source: quarterly-review | Data-driven
49 Engine Modules. Zero Passive.

Everything BOA Knows How to Do

Tax Strategy Engine

38+ strategies, 8 IRC categories, dollar-calculated from your data, 50-state tax, combined federal+state marginal rates

IRC: 1362 | 402(g) | 199A | 179 | 469 | 1202 | 223 | 412 | 482

Action Tracking

Every recommendation becomes a trackable item: recommended → acknowledged → in progress → completed → verified. Projected vs actual savings.

Proactive Notifications

Deadline proximity (14d/7d/1d), overdue actions, strategy review reminders, data completion prompts, quarterly review due

Business Partner Chat

10 local intents answered in <1ms. Strategic questions through Raptor governance. Full data context on every response.

Quarterly Business Review

Health score (0-100), financial summary, strategy implementation rate, compliance status, growth trajectory, next-quarter priorities

Cash Flow Intelligence

Monthly model, tax reserves, 3-tier framework (operating/tax/growth), quarterly estimated payments, working capital metrics

Wealth Trajectory

30-year projections, FI number, $1M-$10M milestones, current vs optimized, cost of inaction

Exit Planning

EBITDA + cap rate valuations, asset vs stock sale, QSBS check, installment modeling, 4-phase succession

Cross-Entity Optimization

Income shifting, QBI coordination, loss utilization, debt placement, controlled group retirement coordination

Compliance Scoring

0-100 per entity: registration, insurance, payroll, contracts, annual reports. Gaps flagged with severity.

Worker Classification Risk

Per-contractor risk score (0-100) from IRS factors. FLSA exemption check per employee. Aggregated workforce report.

Credit & Debt Intelligence

Credit readiness score, SBA eligibility by program, refinancing analysis, avalanche vs snowball payoff optimization

CPA-Ready Exports

IRS form-organized JSON + PDF. Form 1040 lines, Schedule C/D/E/SE, Form 8995. AES-256 encrypted for CPA sharing.

Raptor Governance

Hash-chained audit trail on every recommendation. Intent → policy → execution → attestation. Built for audit defense.

Enterprise Integrations

QuickBooks, Gusto/ADP/Paychex (Finch), Plaid banking, Veryfi OCR. All SOC 2 Type II.

Pricing

Advisory Intelligence That Replaces $50K+ in Fragmented Advisor Spend

BOA replaces the strategic layer — the analysis, the IRC research, the compliance monitoring, the coordination across entities. Your CPA still files. Your attorney still drafts. BOA tells all of them what to focus on.

Starter
Just getting started
$99/mo
$1,010/yr billed annually
  • 1 business entity
  • Full tax strategy engine (8 categories)
  • 50-state tax calculations
  • Alerts + tax calendar
  • Business partner chat
  • Setup wizard
  • Document upload + OCR import
Growth
Single or multi-entity businesses under $500K
$399/mo
$4,070/yr billed annually (save $718)
  • Up to 3 business entities
  • Multi-state support + nexus tracking
  • Full tax strategy engine (8 IRC categories)
  • 50-state tax calculations
  • Action tracking + proactive notifications
  • Business partner chat
  • Cash flow planner
  • CPA export (JSON + encrypted PDF)
  • Document import
Professional
Multi-entity portfolios, $500K-$5M+ revenue
$799/mo
$8,150/yr billed annually (save $1,438)
  • Unlimited entities + states
  • Everything in Growth
  • Cross-entity tax optimization
  • Exit planning + business valuation
  • Quarterly business review + health score
  • Wealth trajectory + FI modeling
  • Compliance scoring (0-100 per entity)
  • Worker classification risk analysis
  • Credit + debt intelligence
  • Raptor governance + audit trail
  • All integrations (QuickBooks, payroll, banking, OCR)
Enterprise
Advisory firms, family offices, CPAs
$1,499/mo
Annual contract · Volume pricing available
  • Everything in Professional
  • Multiple user seats
  • Client portfolio management
  • White-label CPA exports
  • API access + webhooks
  • Custom strategy rules
  • Dedicated onboarding
  • Priority support + SLA
AES-256-GCMEncryption at rest
SOC 2 Type IIAll integrations
Raptor GovernedHash-chained audit
Per-User IsolationEncrypted data stores
Zero TrackingNo analytics scripts
DeterministicConsistent, dependable process

You've Been Running Your Business Alone Long Enough.

BOA knows your numbers, watches your deadlines, scores your compliance, optimizes your taxes, and answers your questions. It's the partner you've been running without.