Service

As a service business, FML is acutely aware of the specific needs of other service businesses like legal firms, ad agencies, design firms, architectural firms, insurance agencies and others. With so much of a service organization’s budget going toward manpower, it is vital that a company choose a financial partner that understands the fixed costs associated with employees and cash management planning. Also, in the service sector, the line between full-time employees, contract employees and freelancers can become blurred, with dramatic implications with regard to state and local taxes as well as FICA and workers’ compensation costs. For these and other reasons, many service firms turn to FML for counsel and direction.

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