Writing — From the Substack
The thinking behind the work.
One thesis, run consistently.
Essays on financial architecture, governed AI, and what it takes to build a $2.5–15M company that's sellable on the owner's terms. Operator first, accountant second.
Selected essays
Newest first — full archive on Substack
Most Owner-Operators Are Buying AI Activity. Almost None Are Buying AI Architecture.
The single most useful distinction an owner can hold — and why the real risk isn't adopting AI, it's standing still while competitors build the governed version.
Your Chart of Accounts Is From 2014. Your Business Isn't. That's the Problem.
Why every $10M owner has a back-office foundation problem they don't know about — and why it matters now more than ever.
AP Automation: The 80% You Don't Hear About
Why most invoice automation projects underdeliver — and what owner-operators in the $2.5M–$15M band need to know before they buy.
The $35,000 Mistake Most Operators Are Making With AI Right Now
One team got their time back. Forty-two percent of companies threw their investment in the trash. Here's the difference.
When the Baton Pass Goes Right
How a 14-year peer relationship set up a clean internal succession — and why the first year of new ownership was the best year in the firm's history.
What Family Offices Need Isn't AI Tools. It's an AI Architect.
Ten questions worth asking in the first weeks of deployment.
The 13-Week Cash Flow Forecast
A field manual for owner-operators — the model that puts pressure on your dashboard 90 days early, while it's still cheap to fix.
The full archive
New essays most weeks. Read everything — and subscribe — at philricecpa.substack.com
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