Stuart Wilson, ACMA CGMA Fractional CFO & Controller · AICPA Member
South Dakota has no corporate or personal income tax, making it one of the most tax-friendly states in the nation. But the state's 4.5% sales tax, unique trust-industry laws that attract billions in managed assets, and an agriculture-dominant economy create their own financial complexity. BlackpeakCFO manages it all, led by a CGMA with 24 years in professional finance.
No contracts · Cancel anytime · From $3,995/mo
South Dakota's lack of corporate and personal income tax creates tremendous value, but sales tax, property tax, and federal obligations remain. We structure your operations to maximize the no-income-tax advantage across your entire financial picture.
South Dakota's favorable trust laws attract billions in managed assets. We provide financial oversight for trust companies, family offices, and wealth management operations navigating this specialized regulatory environment.
South Dakota's cattle and corn production are nationally significant. We deliver ranch-level and farm-level financial management, commodity hedging, and cooperative financial planning.
South Dakota's banking-friendly laws (Citibank's credit card operations started here) attract financial institutions. We provide regulatory financial reporting and credit-portfolio management.
Everything a full-time CFO delivers — without the $250K salary.
Full P&L, balance sheet, cash flow statement. US GAAP-compliant. Board-ready with variance commentary — not a raw trial balance.
Revenue, gross margin, AR days, AP days, cash runway, burn rate. Updated live. Know where you stand before month-end.
Rolling weekly cash forecast with scenario modelling. The document lenders and investors ask for — always current.
We help South Dakota businesses maximize the state's no-income-tax advantage, manage sales tax compliance, and provide financial strategy for trust companies, agriculture, and tourism operations.
45-minute call to review the numbers, flag risks, discuss opportunities. Like having a CFO in the room without the full-time overhead.
Monthly variance analysis so you know exactly where you're over or under plan — before it becomes a problem.
No contracts. No hidden fees. Cancel with 30 days' notice.
Monthly management accounts, bank reconciliation, compliance tracking
Full strategic CFO — for businesses scaling past $5M
Multi-entity, M&A-ready, investor reporting
South Dakota's 4.5% state sales tax plus municipal components, including compliance with the Wayfair economic nexus rules that originated in South Dakota v. Wayfair.
For financial institutions, South Dakota's bank franchise tax compliance and regulatory capital reporting.
The 2% excise tax on gross receipts of prime contractors for construction, repair, or remodeling within South Dakota.
Without state income tax withholding, federal payroll compliance and FUTA obligations are the primary employment-tax focus.
Filing the South Dakota annual report with the Secretary of State to maintain corporate good standing.
South Dakota's cattle, corn, and soybean operations are nationally significant. We provide ranch-level financial management, commodity hedging, and cooperative financial structures.
South Dakota's bank-friendly laws attract credit card operations and financial institutions. We deliver regulatory financial reporting and credit-portfolio management.
Mount Rushmore, the Black Hills, and Sturgis Rally drive tourism. We provide seasonal financial management and multi-property hospitality oversight.
Sanford Health and Avera Health serve the state. We provide revenue-cycle management and rural-healthcare financial strategy.
South Dakota's manufacturing spans food processing, machinery, and electronics. We deliver cost-center accounting and capital project management.
South Dakota's dynasty trust laws attract significant wealth. We provide trust-company financial management, regulatory compliance, and family-office financial oversight.
For business owners and high-income individuals, the absence of state income tax can save tens of thousands annually. Combined with favorable trust laws and low overall taxes, South Dakota offers one of the best tax environments in the US. We structure your operations to fully capitalize on these advantages.
Absolutely — and we work alongside your CPA rather than replacing them. Your CPA handles tax preparation and filing, while we provide strategic financial leadership, forecasting, and day-to-day financial oversight. Most clients find this combination delivers both compliance accuracy and forward-looking financial strategy.
South Dakota allows perpetual dynasty trusts, has no state income tax on trust income, strong asset-protection statutes, and privacy protections. We provide financial oversight for trust companies and family offices leveraging these laws to manage generational wealth.
Businesses generating $1M–$30M in revenue see the greatest impact. You need financial strategy but may not justify a full-time CFO. Our fractional model provides that expertise.
Most engagements begin within two weeks of signing. We use a structured onboarding process to get up to speed on your financials, systems, and goals so we can deliver value from day one.
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30-minute discovery call. We'll review your current setup, identify gaps, and show you exactly what your management accounts should look like. No pitch — just proof.
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