Here is the catalogue. Four things that can genuinely be handed over, what each one is for, and how to tell the real version from the label.
A file where every account agrees to a statement and somebody has looked at what came out. You can open it, and the numbers hold still while you read them.
The counterfeit is a status update announcing that the month is done. When nobody can tell you which accounts refused to tie, nothing was closed.
A look at what is coming rather than what already happened, built off the closed month and off what you already know about the stretch ahead.
The counterfeit is last month's profit with a hopeful line drawn off the end of it. A real one has the payments you already owe sitting inside it.
Whatever the bank actually asked for, assembled so that they will accept it. Sometimes that means statements prepared with no assurance expressed on them, and sometimes what they want can only come from a firm that holds the credential.
An honest version of this object includes being told which of those two you are in, on the first call, before anybody starts building.
The accounts opened, a provider connected to your own bank, the owner wage reasoned out and written down, and the payroll side of your books laid out so postings land where they belong. Then the button goes back to you.
Advice with nothing attached to it. Advice can be worth having, and there is no way to check it against anything later. When a proposal is mostly this, ask what will exist at the end of the first month.
The four above, or whichever subset fits you, each carrying a date and a plain sentence saying what it is for.
Your own figures never appear here. The strip above exists to show a shape.
Naming what arrives is ordinary work and it needs no CPA credential, and this desk holds none. Firms that hold one keep the audits, the reviews, the compilations and the assurance reports. If the object you were promised is one of those signed reports, you will be told at the naming stage and the rest of the list waits. The unabridged version lives on the disclosures page.
Source. Texas Occupations Code, section 901.451 on holding out and section 901.453 on reports, with section 901.456. Read 29 September 2026.
Built separately they contradict each other. The cash view says one thing, the return says another, and the lender pack quietly splits the difference between them.
Breadth is all four coming off one closed month at one desk. Height is what the read adds once they do agree, which is a decision you can price before you make it.
I asked what the service included. What I wanted was to know what would exist at the end of month one.
You will be talking to the Steven Palmieri practice. A sentence about the arrival name is enough to start.
You will be talking to the Steven Palmieri practice.