A desk buried in paperwork, filings, and compliance documents

Know Your Risk. Prove Your Compliance.

Risk assessment, risk planning, and regulatory compliance for business owners who need to know exactly where they stand, and be able to prove it.

What We Do

We Find What's Exposed. Then We Close It.

Most businesses don't get into trouble because they're careless. They get into trouble because nobody ever showed them where the exposure was: work performed before the licensing was straight, filings no one was tracking, records that wouldn't survive a review. We find it, we plan around it, and we keep you compliant on paper and in practice, with Risk Assessment, Risk Planning, and Regulatory Compliance all under one roof.

Risk Assessment

Risk Assessment

You Can't Manage What You Can't See.

A full review of where your business is actually exposed: financial, contractual, operational, and regulatory. We document what we find in plain language, ordered by what could genuinely hurt you.

  • ▪Business and operational risk review
  • ▪Financial and cash-flow exposure
  • ▪Contract, vendor, and insurance gaps
  • ▪Filing and compliance exposure
  • ▪Prioritized findings you can act on
Risk Planning

Risk Planning

From Findings to a Plan.

An assessment is only worth what you do with it. We turn the findings into a working plan: what gets fixed first, who owns it, what it costs, and how it gets tracked until it is closed.

  • ▪Mitigation strategy and priorities
  • ▪Internal controls and approval workflows
  • ▪Policies, procedures, and documentation
  • ▪Risk transfer through insurance and contracts
  • ▪Ongoing review and monitoring cadence
Regulatory Compliance

Regulatory Compliance

Licensed, Filed, and Current.

Everything your business is required to do, tracked and handled before it turns into a notice. Accounting compliance, licensing and permits, and the filings that prove you are doing it right.

  • ▪Accounting compliance and records that hold up
  • ▪Licensing, permits, and renewals
  • ▪Registration and good-standing maintenance
  • ▪Regulatory filings and reporting deadlines
  • ▪Audit-ready documentation and response support
Who We Serve

Everyday People Build
Extraordinary Things.

A small business owner at work

Our clients have different stories, but most of them arrive carrying something similar.

▪Owners who found out about a licensing or permit problem after it became a fine.

▪Businesses growing faster than their controls, with no one tracking the deadlines.

▪Companies whose books and records wouldn't hold up if someone asked to see them.

▪Contractors, shops, and service businesses working in licensed and regulated trades.

▪Owners carrying risk they can feel but can't name, with nobody to explain it.

▪Anyone who has ever been handed a notice they didn't see coming.

What they have in common is simple:

They're building something.

Rooftop Financial exists to protect it, to find the risk before it finds them, plan around it, and keep them compliant so the business can keep growing.

Our Ultimate Mission

What We're Building Toward.

Mission

Rooftop Financial is a ministry before it is a business. Our mission is to help everyday, hardworking people build with their eyes open: to know their risk, plan around it, and stay compliant with everything they are required to do.

We do it by stepping into the mess with our clients instead of lecturing from the outside: Risk Assessment, Risk Planning, and Regulatory Compliance, including accounting compliance, licensing, and permits, all under one roof.

Our Story

We Are Rooftop.

In Mark 2:1-12, four friends carry a paralyzed man to Jesus. When the crowd blocked the door, they didn't turn back. They carried him up, tore through the rooftop, and lowered him down (Mark 2:4). It took extreme effort, unwavering commitment to their friend, and a willingness to break through whatever stood between him and healing.

That story is the heartbeat of Rooftop.

Our founder, Frank, knows what it's like to be the man on the mat. He ran a construction operation that failed, and the risks that took it down were never hidden. They were simply never named: work performed before the licensing was straight, filings nobody was tracking, contracts signed without anyone reading the exposure, and money going out the door with no one watching it.

When it all came apart, there was no one to help him sort it out. No advisor sat with him and mapped what had gone wrong. He had to do it himself, one stack of paperwork at a time, one hard decision at a time, learning as he went because there was no other option.

Getting to the other side is what sparked Rooftop Financial. Frank knew there were thousands of business owners carrying the same unnamed risk, one bad notice or one review away from losing what they built, with nobody in their corner. He wanted to make sure they didn't have to climb out alone the way he did. What began as his own turnaround became a ministry: helping owners see their risk clearly, plan around it, and stay compliant.

That's the work we do every day. We assess where a business is exposed, build the plan to close it, keep the licenses, permits, and filings current, and stand beside our clients when a regulator comes asking.

Like the friends who tore through the roof, we carry what our clients have been carrying by themselves. We get on the roof. We do the heavy lifting. And we lower down the clarity and the protection they need most. Risk Assessment, Risk Planning, and Regulatory Compliance, including accounting compliance, licensing, and permits.

What Guides Us

Our Core Values.

Five convictions, rooted in Scripture and lived out in every engagement, shape how we serve the small businesses that build our world.

Discipline

Hebrews 12:11

"No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it."

We maintain strict operational systems, documented controls, and reliable routines that keep deadlines, filings, and commitments from slipping.

Stewardship

1 Corinthians 4:2

"Moreover, it is required of stewards that they be found faithful."

We treat every client's business as a sacred trust, protecting their time, capital, and reputation with the same care we would give our own.

Transformation

Romans 12:2

"Do not conform to the pattern of this world, but be transformed by the renewing of your mind."

We refuse to accept chaos as normal. Instead, we elevate and modernize small businesses through continuous education and modern compliance infrastructure.

Transparency

1 John 1:7

"But if we walk in the light, as he is in the light, we have fellowship with one another..."

We operate entirely in the light, delivering honest findings, clear reporting, upfront pricing, and plain answers without hidden agendas or confusing jargon.

Love

1 Corinthians 16:14

"Let all that you do be done in love."

We lead with genuine empathy, stepping into the mess with our clients instead of judging it, honoring the dignity of their hard work, and prioritizing their long-term well-being over short-term profits.

We're Ready When You Are

Tell Us What's Standing in the Way.

You don't have to have anything figured out to call us. Bring us the notice you don't understand, the license you're not sure is current, the books you don't trust, or the risk you can feel but can't name. We've seen it, we've mapped it, we've closed it, and we'll start exactly where you are.