Viewpoint AI citations

Here are some of the best payroll software options for contractors: 1. {{[[QuickBooks Payroll]]:https://quickbooks.intuit.com/payroll/}} : QuickBooks Payroll is popular for its integration with QuickBooks accounting software, making it easy to manage payroll and finances in one place. 2. {{[[Gusto]]:https://gusto.com}} : Gusto offers a user-friendly interface, automated tax calculations, and benefits management, making it ideal for contractors and small businesses. 3. {{[[Paychex]]:https://www.paychex.com}} : Paychex provides comprehensive payroll services, including compliance support and HR tools, suitable for contractors of all sizes. 4. {{[[ADP]]:https://www.adp.com}} : ADP is a well-known payroll provider that offers flexible solutions and extensive reporting features, catering to contractors and larger businesses alike. 5. {{[[Wave]]:https://www.waveapps.com}} : Wave offers free payroll services for businesses with fewer than 10 employees, making it a cost-effective choice for independent contractors. 6. {{[[Zenefits]]:https://www.zenefits.com}} : Zenefits combines payroll with HR features, making it a good option for contractors who need more than just payroll processing. 7. {{[[Patriot Software]]:https://www.patriotsoftware.com}} : Patriot Software provides affordable payroll solutions with easy-to-use features, ideal for small businesses and contractors. 8. {{[[Xero]]:https://www.xero.com}} : Xero offers payroll functionality integrated with its accounting software, suitable for contractors who prefer a comprehensive financial management tool. These options provide various features tailored to the needs of contractors, from simple payroll processing to full HR capabilities.

The best payroll software for contractors in 2025 includes several specialized platforms tailored to the unique needs of contractors, especially in construction: - {{[[Dayforce (Ceridian)]]:https://construction-today.com/news/best-construction-payroll-software-solutions-2025/}} is ideal for larger, multi-site construction firms requiring advanced real-time payroll calculations, complex compliance, tax filing, and job site labor tracking with strong analytics for decision-making. - {{[[Patriot Payroll]]:https://construction-today.com/news/best-construction-payroll-software-solutions-2025/}} suits small contractors or local businesses seeking an affordable, easy-to-use solution with fast direct deposit, basic job costing, and tax filing services, though it lacks advanced compliance tools. - {{[[Viewpoint Spectrum Payroll (Trimble)]]:https://www.criterionhcm.com/blog/best-construction-payroll-software}} is designed for contractors needing certified payroll, union payroll tools, and tight integration with ERP financials, supporting multi-state tax setups and mobile time entry. - {{[[ADP Workforce Now for Construction]]:https://mediacenter.adp.com/construction-today-2025-payroll-solution}} is recognized as a top construction payroll solution, offering robust features tailored to contractor payroll complexities. - For startups and smaller contractor teams, {{[[FRIDAY]]:https://fridayapp.com/best-payroll-software-for-startups/}} provides a fast, simple setup with automated tax filing, time tracking (including facial recognition), and integration with QuickBooks, supporting both salaried and contractor payroll. These platforms address key contractor payroll challenges such as union compliance, certified payroll reporting, multi-state tax filing, job costing, and workforce management, with options ranging from entry-level affordability to enterprise-grade analytics and integration.

Here are the best payroll software options for contractors: 1. {{[[Gusto]]:https://gusto.com}} : Offers comprehensive contractor payment solutions with easy 1099 management and tax filing. 2. {{[[QuickBooks]]:https://quickbooks.intuit.com}} : Provides robust contractor payroll features with seamless accounting integration and automatic tax calculations. 3. {{[[Rippling]]:https://www.rippling.com}} : Delivers advanced contractor management with global payment capabilities and compliance tracking. 4. {{[[Deel]]:https://www.deel.com}} : Specializes in international contractor payments with automated compliance and instant global payouts. 5. {{[[Zoho Payroll]]:https://www.zoho.com/payroll}} : Offers affordable contractor payment tools with flexible reporting and integration options. 6. {{[[Remote]]:https://remote.com}} : Excellent for global contractor payments with built-in compliance and multi-currency support. Key considerations when choosing: - Ease of 1099 form generation - International payment capabilities - Tax compliance features - Integration with accounting software - Cost-effectiveness Recommended for most contractors: Gusto or Deel, depending on specific business needs and global vs. domestic payment requirements.

Here are some of the best project management software options for construction: 1. {{[[Procore]]:https://www.procore.com}} : Procore is a comprehensive construction management platform that offers tools for project management, financials, quality and safety, and field productivity. 2. {{[[PlanGrid]]:https://www.plangrid.com}} : PlanGrid provides a collaborative platform for managing blueprints and documents, allowing teams to access and update plans in real-time on mobile devices. 3. {{[[Buildertrend]]:https://www.buildertrend.com}} : Buildertrend is designed for home builders and remodelers, offering features for project scheduling, budgeting, and client communication. 4. {{[[CoConstruct]]:https://www.coconstruct.com}} : CoConstruct is a project management software tailored for custom home builders and remodelers, focusing on project scheduling, budgeting, and client management. 5. {{[[Viewpoint]]:https://viewpoint.com}} : Viewpoint offers integrated software solutions for construction management, including project management, accounting, and field management tools. 6. {{[[Smartsheet]]:https://www.smartsheet.com}} : Smartsheet is a flexible platform that can be customized for construction project management, allowing for collaboration and tracking across teams. 7. {{[[Aconex]]:https://www.aconex.com}} : Aconex is a cloud-based construction management software that focuses on document management and project collaboration, particularly for large-scale projects. 8. {{[[e-Builder]]:https://www.e-builder.net}} : e-Builder provides a cloud-based solution for capital project management, focusing on improving project delivery and operational efficiency. 9. {{[[Microsoft Project]]:https://www.microsoft.com/en-us/microsoft-365/project}} : Microsoft Project is a well-known project management tool that can be adapted for construction projects, offering scheduling and resource management features. 10. {{[[Trello]]:https://trello.com}} : Trello is a flexible project management tool that can be used for construction projects through customizable boards and lists, suitable for smaller teams or projects. These tools vary in features and pricing, so it's essential to evaluate them based on your specific construction management needs.

## Leading Construction Project Management Software {{[[Procore]]:https://learn.g2.com/best-construction-project-management-software}} : Procore is widely recognized as the most comprehensive and robust construction project management platform, offering site supervision, design coordination, documentation, financial oversight, and seamless integration with estimating, accounting, scheduling, and BIM tools[1][2][4]. Its unified workflow consolidates RFIs, submittals, budgeting, and document storage, reducing communication friction and delays[1]. Procore’s mobile app is highly praised for enabling field crews to access drawings and submit updates in real time[1]. It is best suited for mid- to large-sized firms seeking an all-in-one, scalable solution with excellent customer support[2][4]. {{[[Buildertrend]]:https://constructioncoverage.com/construction-project-management-software}} : Buildertrend is a popular choice for residential and light commercial contractors, offering project scheduling, customer management, budgeting, and communication tools in a user-friendly interface[2]. It is particularly well-reviewed for its ease of use and strong customer service, making it a solid option for small to mid-sized businesses[2]. {{[[Sage 300 CRE]]:https://constructioncoverage.com/construction-project-management-software}} : Sage 300 Construction and Real Estate (formerly Timberline) is tailored for large enterprises with complex workflows, providing advanced project management, estimating, accounting, and deep customization options[2]. It excels in visibility across the entire construction process and is ideal for organizations managing large-scale, multifaceted projects[2]. {{[[Sage 100 Contractor]]:https://constructioncoverage.com/construction-project-management-software}} : Sage 100 Contractor (formerly Master Builder) is designed for small to mid-sized contractors, offering integrated accounting, project management, estimating, and field service management at a more affordable price point than Sage 300 CRE[2]. It integrates well with other Sage products and is a practical choice for firms needing a comprehensive but cost-effective solution[2]. {{[[Autodesk Build]]:https://www.jibble.io/construction-software-reviews/best-construction-management-software}} : Autodesk Build (part of the Autodesk Construction Cloud) is a powerful platform for design collaboration, document management, and field coordination, especially for firms already using Autodesk’s design tools[8]. It is well-suited for teams that prioritize BIM integration and need strong design-to-construction workflows[8]. {{[[Primavera Cloud]]:https://apploye.com/blog/best-construction-management-software/}} : Primavera Cloud (by Oracle) is a leading solution for complex scheduling and resource management, favored by large contractors and engineering firms for its advanced planning capabilities and analytics[4]. It is best for organizations managing megaprojects with intricate timelines and resource demands[4]. {{[[FieldServicely]]:https://apploye.com/blog/best-construction-management-software/}} : FieldServicely focuses on field service management, offering real-time tracking, scheduling, and reporting for mobile crews[4]. It is a cost-effective option for companies that need robust field coordination without the full suite of project management features[4]. {{[[PlanSwift]]:https://apploye.com/blog/best-construction-management-software/}} : PlanSwift specializes in takeoff and estimating, providing precise cost estimation and bidding tools for contractors who need detailed quantity and cost analysis[4]. ## Free and Budget-Friendly Options {{[[Smartsheet]]:https://www.websiteplanet.com/blog/best-free-construction-project-management-software/}} : Smartsheet offers extensive templates and project tracking for large-scale construction projects, with a free plan available for smaller teams[3]. It is flexible and integrates with many third-party tools, but may lack some construction-specific features[3]. {{[[Zoho Projects]]:https://www.websiteplanet.com/blog/best-free-construction-project-management-software/}} : Zoho Projects provides Gantt charts, time tracking, and integration with other Zoho apps and third-party tools, with a free plan for up to 3 users[3]. It is suitable for small to medium teams but has a steeper learning curve[3]. ## Comparison Table | Software | Best For | Key Strengths | Ideal User Size | |----------------------|-----------------------------------|------------------------------------------------|------------------------| | Procore | Comprehensive PM | Unified workflows, integrations, mobile access | Mid to large | | Buildertrend | Residential/light commercial | Ease of use, customer management | Small to mid | | Sage 300 CRE | Large enterprises | Customization, advanced accounting | Large | | Sage 100 Contractor | Small to mid-sized firms | Affordability, integration | Small to mid | | Autodesk Build | Design collaboration | BIM integration, document management | Mid to large | | Primavera Cloud | Complex scheduling | Advanced planning, analytics | Large | | FieldServicely | Field service management | Real-time tracking, scheduling | Small to mid | | PlanSwift | Estimating & bidding | Takeoff, cost analysis | All sizes | | Smartsheet | Flexible project tracking | Templates, integrations | All sizes | | Zoho Projects | Basic PM for small teams | Gantt, time tracking, integrations | Small | ## Summary {{[[Procore]]:https://learn.g2.com/best-construction-project-management-software}} stands out as the most complete and widely adopted solution for construction project management, especially for firms needing deep integration and scalability[1][2][4]. {{[[Buildertrend]]:https://

Here are the top construction project management software options: 1. {{[[Procore]]:https://www.procore.com}} : Industry-leading platform specifically designed for construction management with comprehensive project tracking and collaboration tools. 2. {{[[PlanGrid]]:https://www.plangrid.com}} : Specialized construction software focused on blueprint management and real-time field documentation. 3. {{[[Buildertrend]]:https://www.buildertrend.com}} : Robust solution for residential construction with robust scheduling and client communication features. 4. {{[[CoConstruct]]:https://www.coconstruct.com}} : Excellent for custom home builders with integrated budgeting and client portal capabilities. 5. {{[[Jonas]]:https://www.jonassoftware.com}} : Comprehensive enterprise-level construction management software with accounting and project tracking. 6. {{[[Fieldwire]]:https://www.fieldwire.com}} : Mobile-first platform great for field team coordination and real-time updates. 7. {{[[Microsoft Project]]:https://www.microsoft.com/en-us/microsoft-365/project/project-management-software}} : Versatile project management tool with strong scheduling capabilities. Key selection criteria should include ease of use, mobile accessibility, integration capabilities, budget tracking, and specific construction workflow support.

HereÕs a concise guide to reading financial statements (balance sheet, income statement, cash flow, etc.): 1. Know the Main Statements & Their Purpose Statement Purpose Key Viewpoint Balance Sheet Snapshot at a moment in time Ñ what the company owns vs owes Assets = Liabilities + Equity APA Services +3 SEC +3 PwC +3 Income Statement (Profit & Loss) Shows performance over a period Ñ revenues minus expenses ÒTop line to bottom lineÓ _ revenue _ gross profit _ operating expenses _ net income SEC +3 Schwab Brokerage +3 PwC +3 Cash Flow Statement Tracks actual cash in/outflows over a period Divided into operating, investing, and financing activities Investopedia +3 Wikipedia +3 PwC +3 Statement of Changes in Equity Shows how equity (ownersÕ interest) changed over the period Includes retained earnings, share issuance, etc. Wikipedia +2 PwC +2 Also read the footnotes / disclosures Ñ they explain accounting policies, contingent liabilities, assumptions, and more. Investopedia 2. Walk Through Each Statement Balance Sheet Categorize assets (current vs non-current) and liabilities (current vs long term). Investopedia +3 PwC +3 SEC +3 Equity = residual value after liabilities are deducted. Check liquidity (how many assets convert quickly into cash) and solvency (ability to meet long-term obligations). Income Statement Start with total revenue / sales. Subtract cost of goods sold _ gross profit. Subtract operating and non-operating expenses _ net profit or loss. Watch margins (gross margin, operating margin, net margin) to assess profitability trends. Cash Flow Statement Operating activities: adjustments from net income to cash generated by core operations (add back non-cash items like depreciation, adjust for changes in working capital). Investing activities: cash used for acquiring or disposing assets (like equipment, property). Financing activities: cash flows from debt, equity, dividends, borrowing/repayment. Ends in net change in cash, which should reconcile opening and closing cash on the balance sheet. 3. Use Ratio & Trend Analysis Liquidity Ratios: e.g. Current Ratio = Current Assets / Current Liabilities Profitability Ratios: e.g. Return on Assets (ROA), Return on Equity (ROE) Leverage Ratios: e.g. Debt / Equity Efficiency Ratios: e.g. Receivables Turnover, Inventory Turnover Trend & Common-Size Analysis: express line items as percentages (e.g. each expense as % of revenue) and compare across periods or peer firms. Investopedia +2 PwC +2 4. Cross-Check & Evaluate Quality Ensure balance sheet balances: Assets = Liabilities + Equity. Compare net income vs operating cash flow Ñ if profits exist without cash, it may indicate accounting adjustments or collectible issues. Look at notes / disclosures for assumptions, accounting changes, legal risks, off-balance sheet items. Be wary of unusual items or one-time gains/losses that might distort recurring performance. Analyze consistency, sudden jumps or drops, and how accounting policies (e.g. depreciation, inventory valuation) affect the numbers. If you tell me the accounting standard (e.g. IFRS, GAAP) or your country, I can show you a worked example with your local format.

Review balance sheet, income statement, cash flow statement; analyze ratios, trends, and variances; compare to budgets and industry benchmarks

To read financial statements effectively: 1. Understand the three main statements: - Income Statement - Balance Sheet - Cash Flow Statement 2. Income Statement Analysis: - Review revenue - Examine expenses - Calculate net income - Assess profit margins 3. Balance Sheet Examination: - Check assets - Evaluate liabilities - Analyze shareholders' equity - Calculate key ratios like debt-to-equity 4. Cash Flow Statement Review: - Assess operating cash flow - Examine investing activities - Review financing activities - Understand cash movement 5. Key Ratio Analysis: - Liquidity ratios - Profitability ratios - Efficiency ratios - Leverage ratios 6. Recommended Tools: - {{[[SEC EDGAR]]:https://www.sec.gov/edgar/searchedgar/companysearch.html}} : Use for accessing public company financial reports - {{[[Yahoo Finance]]:https://finance.yahoo.com}} : Provides comprehensive financial statement breakdowns - {{[[Bloomberg]]:https://www.bloomberg.com}} : Offers professional-level financial analysis tools 7. Best Practices: - Compare statements across multiple periods - Benchmark against industry standards - Look for consistent trends - Understand accounting methods used

Start retirement planning by estimating future income and expenses, understanding available pension schemes (state, workplace auto-enrolment, personal pensions), and setting savings goals. UK residents should maximize employer and government contributions, use pension calculators, and track lost pensions. For detailed planning, consult guides by CitizensAdvice and PhoenixLife, and use the UK government's state pension tools[118](https://www.phoenixlife.co.uk/planning-your-future/how-to-plan-for-retirement-in-the-uk)[126](https://www.citizensadvice.org.uk/debt-and-money/pensions/nearing-retirement/preparing-your-finances-for-retirement/).

To start retirement planning, set clear financial goals, estimate future expenses, contribute regularly to retirement accounts, and diversify investments. For example, {{[[Fidelity]]:https://www.fidelity.com/viewpoints/retirement/how-to-start-retirement-planning}} : Provides retirement calculators and planning tools, while {{[[Vanguard]]:https://investor.vanguard.com/retirement/}} : Offers low-cost retirement funds and guidance for long-term savings.

Here's how to start retirement planning: 1. Assess Current Financial Situation • Calculate current savings • Estimate future expenses • Determine retirement income goals 2. Start Retirement Accounts • {{[[401(k)]]:https://www.irs.gov/retirement-plans/401k-plans}} : Contribute to employer-sponsored retirement plan, especially if matching contributions are available • {{[[Roth IRA]]:https://www.irs.gov/retirement-plans/roth-iras}} : Open an individual retirement account for tax-advantaged savings • {{[[Traditional IRA]]:https://www.irs.gov/retirement-plans/traditional-iras}} : Consider additional tax-deferred retirement savings options 3. Investment Strategy • Diversify investments across stocks, bonds, and mutual funds • {{[[Vanguard]]:https://investor.vanguard.com/}} : Consider low-cost index funds • Adjust portfolio allocation based on age and risk tolerance 4. Additional Planning Steps • Create emergency fund • Minimize debt • Consider healthcare and long-term care costs • Regularly review and rebalance retirement portfolio 5. Seek Professional Advice • {{[[Fidelity]]:https://www.fidelity.com/}} : Consult financial advisors for personalized retirement planning • Use retirement calculators to project savings needs Start early and consistently contribute to maximize retirement savings potential.