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We Fix Financial roadblocks for Small Businesses

Get the Cashflow You need to run your business and the Profit you want to enjoy your life

Take home more money

Finally have clear direction

Enjoy your business again

There are five challenges facing most businesses...

  • Challenge #1: The business relies on the owner or it all falls apart
    If you're "wearing all the hats" - even hats you don't want to be wearing - you'll never be able to have a scalable business that can run without you. We help you figure out how to have a self-sustaining business without having to work harder and longer hours in the business. SEE IF WE'RE A GOOD FIT
  • Challenge #2: The business owner is battling a Catch-22 situation
    Here's the Catch-22: You can't grow your business without more money. But, you can't get more money without growing your business. We help you make more money from your business so that you can re-invest it back into your business and take home more money. SEE IF WE'RE A GOOD FIT
  • Challenge #3: The business owner doesn't have a simple way to know what's working and what's not in their business
    The typical financial reports are down-right confusing. That's because they're made for accountants - not business owners. Plus, the typical 'numbers people' in your life (like your accountant and bookkeeper) are not getting paid to help you understand how to grow your business. They're getting paid to record the past correctly. You need a dead-simple way to understand the financial health of your business and to know what to do to improve. We'll build a 'scoreboard' for you so you'll never be confused as to the financial state of your business again. SEE IF WE'RE A GOOD FIT
  • Challenge #4: The business owner does not have clear and measurable goals
    How do you know if you're making progress in your business if you don't know where you want to end up? Specifically, you need to have clear goals for things like revenue, profit, the amount of cash in the bank, and the amount of cash you take home. You need to establish clear goals for what you want out of your business so you know which direction to head. Otherwise, running your business is like getting in the car and driving without having a clear destination. You'll waste a lot of gas and a lot of time. SEE IF WE'RE A GOOD FIT
  • Challenge #5: The business owner does not have clear direction
    There are thousands of things you could be doing each day in your business... but only a handful that will actually make a difference on what truly matters: revenue, profit, your bank account, and your take home pay. You need someone that you trust to give you a plan on what to do to hit your goals. That's what we do: we are business financial experts who will give you a plan for you to have a growing and more profitable business. SEE IF WE'RE A GOOD FIT

your Money Situation Tells a story. We can read that story and and guide you to the right decision

YOUR One Clear Path

Business Meeting

First of all, what is a CFO?

A CFO is a Chief Financial Officer of a company.

A CFO tracks profit and cash flow, analyzes a company’s financial strengths and weaknesses, and proposes corrective actions.

We act as a guide, confident and advisor

We give our clients one clear path to having a growing and more profitable business.


Your CFO will lead you through a clear path - a proven system we've developed.

This system is designed to help you have a growing and more profitable business without stress and overwhelm.

In the first set of steps we'll first help you understand what is helping and what is hurting your efforts at making money.

In the second set of steps we'll help you set clear and measurable targets so that you can experience major growth.

In the third set of steps we'll help you figure out how to hit your targets.

The entire point is for you to go from Point A (having a business that's far from where you'd like) to...

Point B (having a very profitable business that allows you to take home more money).


"As President, trying to personally implement growth and changes within the company, I knew I had to team up with a dedicated and readily available CPA. One that would understand and is comfortable with the in’s and out’s of the new and constant changing tides within growing businesses, as well as adapt, work and grow with us. Joel serves the role of our outsourced tax and accounting department and has been highly responsive and knowledgeable in navigating us through the waters of financial and tax implications."

Harry Fegan
President of Zimmer Biomet Fegan, Inc.

"Joel is an exceptional engagement manager that knows his accounting. He helped sort out our accounting for our non-profit organization. He has been instrumental in making sure our organization has the necessary information to build tax and financial reporting process. Joel is well qualified in real estate tax issues, small business and corporate tax issues. He’s no joke when it comes to being the nerdy tax guy that knows everything."

Darren Chan

"I am a CFO of a small technology firm in San Francisco and have known Joel Smith for well over a decade in both a professional and personal capacity. He has done my small company taxes on numerous occasions and we are very happy with his service. His honesty, deep technical knowledge and savvy small business insights have helped us tremendously."

Jason Giaimo
Owner, Net Gain Business Consultants

"Joel is attentive, responsive, extremely sharp, and an expert in the tax field. Joel and I worked in close contact during an extensive corporate financial review. He was as detailed as an IRS auditor – maybe more so!  I would highly recommend Joel to anyone requiring tax support – on a professional or personal level – and will continue to urge my own clients to work with him. Thank you for the quality work, Joel!"

Angie Monette
Administration & Org. Dev.

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About Walnut Creek, California & Clear Action Business Advisors 

Clear Action Business Advisors is situated in the downtown area of Walnut Creek, a city in Contra Costa County. It is approximately 16 miles east of Oakland and about 25 miles northeast of San Francisco. It is bordered by several cities, including Concord to the east, Pleasant Hill to the north, Lafayette to the west, and Alamo to the south. One of the most prominent landmarks in Walnut Creek is the iconic Lesher Center for the Arts.

Walnut Creek is blessed with natural beauty and boasts a range of physical attractions that captivate residents and visitors alike. One of the standout features is Mount Diablo. Another notable attraction is the Broadway Plaza, a premier shopping destination. This upscale outdoor mall features an array of high-end boutiques, renowned department stores, and enticing dining options. Heather Farm Park is popular for those seeking natural beauty and outdoor activities.

This makes Clear Action Business Advisors (at 1990 N. California Blvd., #879) a trusted Outsourced CFO Solution that empowers your business for lasting success and explosive growth in Walnut Creek as well as the neighboring communities of Overlook, Castle Hill, Diablo Shadows, and Parkmead.


Clear Action Business Advisors 

1990 N. California Blvd., #879

Walnut Creek, CA 94596 

☎ (925) 289-1160


Hours of Operation

Monday                 8 AM–8 PM

Tuesday                8 AM–8 PM 

Wednesday          8 AM–8 PM 

Thursday               8 AM–8 PM 

Friday                    8 AM–8 PM 

Saturday                Closed 

Sunday                  Closed


  • Click here for driving directions from your location.

  • Directions From Drive Oakland International Airport to Clear Action Business Advisors 1261 Locust St #79 Walnut Creek, CA 94596: Get on I-880 North from Bessie Coleman Dr and 98th Avenue for 5 minutes. Follow I-880 North and CA-24 East to Walnut Creek. Take exit 15A from CA-24 East for 22 minutes. Keep left at the fork to continue on Mt Diablo Blvd, follow signs for Camino Diablo Destination will be on the right for 3 minutes.

  • Directions From San Francisco International Airport to  Clear Action Business Advisors 1261 Locust St #79 Walnut Creek, CA 94596: Get on US-101 North from Airport Access Rd for 4 minutes. Follow US-101 North, I-80 East and CA-24 East to your destination in Walnut Creek. Take exit 15A from CA-24 East for 35 minutes. Keep left at the fork to continue on Mt Diablo Blvd, follow signs for Camino Diablo Destination will be on the right for 3 minutes.

Geographic Articles

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Outsourced CFO Services provided by Clear Action Business Advisors Helps Fix Financial Roadblocks for Small Businesses in Five Areas:

  • CFO Services: Turbocharge your profits and unleash growth with powerful financial strategies for unrivaled financial clarity and control.

  • Small Business Advising: Unlock the secrets to success with our affordable online solution for streamlining your small business's bookkeeping and accounting.

  • HR Management: Unleash the power of your team with cost-effective employee benefits packages that keep your workforce motivated and engaged.

  • Payroll Services: Say goodbye to tedious payroll tasks and say hello to remote payroll services that save you time, money, and costly errors.

  • Tax Planning: Master the art of tax savings with personalized strategies, flexible planning, and unwavering support at every step.

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