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PRINCIPLE 16:10 INTEGRITY · AT · SCALE

PRINCIPLE

16:10

Build trust in the details.
Scale with confidence.

Financial Infrastructure & Optimization

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The Big Idea

Growth requires
trustworthy infrastructure.

Strength begins in the details. Everything else is built on that foundation.

You were called to lead.
Not to manage the weight of it all.

The vision came first. The mission. The people. The work that called you forward. But somewhere along the way, the administrative infrastructure began compounding against you. A payroll question here. A missed compliance detail there. A budget that started as a spreadsheet and never grew up. A PEO contract no one has reviewed in five years. A financial system designed for last year's organization, not next year's.

This is not the work you were called to. But ignored, it becomes the work you cannot escape.

The organizations entrusted with more are almost always the ones who got the foundational details right first. The ones whose payroll runs cleanly. Whose books reconcile to the dollar. Whose compliance is not a fire drill. Whose forecasts actually forecast. Whose financial systems carry the next stage of growth instead of resisting it.

Errors at the foundation do not stay small. They compound. A misclassified paycheck becomes a multi-year tax exposure. An ungoverned reserve becomes a board crisis. A rushed software decision becomes a five-year operational drag. What was once a detail becomes the thing that determines whether the organization can scale at all.

This is the work we do — the unglamorous, foundational work of building the infrastructure that growth requires. The right PEO. The right forecast. The right software. The right governance. The disciplined operating rhythms that, ordered correctly, free leaders to lead and prepare organizations to be trusted with much.

We get the order right — down to the foundational details — so that what was fragmented is restored, and leaders return to their calling.

Luke 16:10 — Our Namesake

"Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much."

Luke 16:10
How We Apply It

"What is stewarded well beneath the surface grows strong above it."

— Principle 16:10

Every service we offer is a discipline
that protects something growth depends on.

When organizations scale, certain things become load-bearing. Workforce structure. Decision-making. Visibility. Trust. Strategic judgment. Stability. Each one fails differently when ignored — and each one has a corresponding discipline that keeps it sound. This is the architecture of trustworthy infrastructure.

PEO Optimization
protects workforce infrastructure
The right payroll, benefits, and HR co-employment arrangement is the structural foundation of every growing team.
Budgeting & Forecasting
protects decision-making
Forward-looking financial models give leadership the clarity to decide before pressure forces a reaction.
Software & Reporting
protects visibility
You cannot lead what you cannot see. The right system makes the financial picture observable to everyone who needs it.
Compliance & Governance
protects trust
Policy frameworks, controls, and clean compliance protect the trust that boards, donors, partners, and staff have extended to leadership.
Fractional CFO Advisory
protects strategic judgment
Executive-level financial counsel ensures every major decision is informed, sound, and aligned with the long arc of the organization.
Growth Management
protects long-term stability
When expansion arrives, the foundation must already be sound. We build the structures that turn enthusiasm into durable growth.

Integrity is the only thing
that scales without breaking.

The principle is older than any industry: small things determine large outcomes. Strategy fails at the level of execution. Vision collapses on the strength of operating rhythms. We call this the Scalability of Integrity: the habits an organization builds with its details determine the success of every large thing that follows. Keeping small promises is how organizations learn to handle large commitments. Faithfulness in detail becomes the architecture of trust.

A Truth Older Than Any Industry

"Great things are not done by impulse, but by a series of small things brought together."

— Vincent van Gogh

I.
Disciplines Build Outcomes
The daily decisions, the consistent procedures, the disciplined financial habits — these are not the boring part of leadership. They are the structural part. What gets repeated correctly becomes the foundation everything else rests on.
II.
Reliability Builds Trust
An organization that keeps its commitments — to staff, to vendors, to partners, to itself — is the only kind of organization that can be trusted with larger ones. Trust does not scale up suddenly. It compounds, one kept commitment at a time.
III.
Errors Compound Catastrophically
The opposite is equally true. A misfiled tax document, an unreviewed PEO contract, a quiet compliance gap — these do not stay small. They wait. They compound. And eventually they determine whether the larger work survives at all.

The data does not whisper.
It speaks plainly.

Organizations that build the right back-office infrastructure — particularly through a competitively bid PEO arrangement — measurably outperform those that don't. Across more than 230,000 businesses studied by the National Association of Professional Employer Organizations, the pattern is consistent: businesses with the right HR and payroll infrastructure grow faster, retain employees better, and survive longer.

2×
Faster Growth
PEO clients grow at 4.3% annually vs. 1.9% for comparable non-PEO businesses
12%
Lower Turnover
Employee turnover at PEO clients is 12% lower than at comparable non-PEO businesses
50%
More Resilient
PEO clients are 50% less likely to go out of business than comparable non-PEO companies
27%
Return on Investment
Average ROI on PEO services in cost savings alone — independent of growth and retention benefits
52% vs 23%
Retirement plan adoption (PEO vs non-PEO, 10–49 employees)
Only 14%
Of 20–499 employee employers currently use a PEO
$414B
Annual PEO industry revenue across 230,000+ businesses

Source: NAPEO Industry Research, 2024–2025

A disciplined path
from foundation to stability.

Financial strength is not accidental. It comes from systems, order, and intentional design — applied with discipline at the foundational level. We reject the mindset of just getting by. We are forward-thinking by conviction. Every engagement moves clients through five disciplined stages, in this order, without skipping.

I.
Diligence
We look closely. The truth about an organization's finances is always in the details no one wants to audit.
II.
Structure
We build the systems that turn observation into infrastructure — chart of accounts, controls, reporting, policy.
III.
Stewardship
We embed disciplined operating rhythms so the structure is run, not just installed. Faithful in the details — every day.
IV.
Growth
With a sound foundation, expansion stops being dangerous. Capital decisions, hires, and campaigns become strategic.
V.
Stability
The organization is durable. Leadership transitions, market shifts, and growth seasons do not threaten what is built.

"Precision creates balance. Better systems. Better outcomes."

Most organizations are making
major decisions with a minor tool.

The checking account balance is not a financial strategy. It is a number. And yet most organizations — including growing, thriving ones — rely on it as their primary indicator of financial health. The result is reactive leadership, missed opportunities, preventable crises, and leaders carrying burdens they were never equipped to carry alone. These are not failures of effort. They are failures at the foundation — details left unaddressed long enough to compound into something much larger.

01
No Budget. No Forecast. No Plan.
Most organizations operate without a formal budget — and nearly all operate without income forecasting. Without a forward-looking financial model, every major decision is made in the dark. Growth opportunities are missed. Financial crises arrive without warning. Leadership is always reacting, never anticipating.
02
Overpaying for HR & Payroll
Most organizations have never had their PEO or payroll costs independently analyzed. They are paying what they were quoted years ago — not what they should be paying today. The difference is frequently tens of thousands of dollars per year that could be redirected to mission or margin.
03
Windfall Without a Framework
A large customer, a capital infusion, a surge in revenue or donations — without proper financial infrastructure, a windfall can create as much confusion as it resolves. Organizations that lack reserve policies, allocation frameworks, and strategic financial planning often mismanage their best financial moments.
04
Software That Doesn't Fit
Excel and basic QuickBooks were not designed for multi-entity organizations, departmental budgeting, fund accounting, or the reporting needs of modern boards. Organizations outgrow their tools and don't know it — until the numbers stop making sense.
05
Compliance Blindspots
ACA reporting, ERISA, multi-state payroll tax obligations, clergy compensation rules where applicable — these are not optional. They are legal requirements with real financial penalties. Most organizations have no one on staff equipped to navigate them correctly.
06
No Strategic Financial Partner
Most organizations cannot afford a full-time CFO, but they desperately need the strategic oversight one provides. The gap shows up in every board meeting, every growth decision, and every conversation about what the organization can and cannot afford to do next.

Six disciplines. One integrated
financial infrastructure.

We do not offer a single service and walk away. We build the complete financial and workforce foundation that every serious organization needs — so that leadership can operate with clarity, confidence, and forward momentum. Our entry point — and the service most organizations have never encountered — is PEO Optimization.

Signature Service

PEO Optimization
& Workforce Strategy

What is a PEO?

A Professional Employer Organization (PEO) is a co-employment partner that manages your payroll processing, HR administration, employee benefits, workers' compensation, and compliance — giving your organization access to Fortune 500-level HR infrastructure at a fraction of the cost of building it in-house.

Most organizations either have no PEO, or are with one they selected years ago without competitive comparison. They are almost always overpaying. We independently analyze your current arrangement and take your profile to a marketplace of 70+ vetted PEO providers — managing the entire process on your behalf and returning with a side-by-side financial comparison of every offer.

This service is offered at no cost to your organization. Our fee is paid by the PEO you select — meaning you receive a full independent market analysis, financial modeling, implementation management, and ongoing advocacy without spending a dollar to receive it.

What we do for you
  • Independent analysis of your current payroll, benefits & HR costs
  • Competitive bidding across 70+ PEO providers on your behalf
  • Full financial modeling & apples-to-apples cost comparison
  • Benefits design, optimization & employee benchmarking
  • Full implementation & transition management
  • Ongoing advocacy, monitoring & annual re-evaluation
$4,500
Avg Savings
Per Employee/yr
70+
Vetted PEO
Providers
$0
Cost To
Your Org
A recent multi-campus engagement delivered $340K in annual savings through PEO optimization alone.
An Underappreciated Benefit

A PEO arrangement typically opens access to group retirement plan options — usually a 401(k) — that most nonprofits and small businesses have never been able to offer staff. NAPEO data shows 52% of PEO clients sponsor retirement plans vs. only 23% of non-PEO peers. For churches, we also advise on the 403(b)(9) — one of the most powerful tax-advantaged tools available to clergy and a critical conversation most pastors have never had.

We serve organizations nationwide. Principle 16:10 operates in all 50 states — organizations in states with complex employment laws often see the greatest immediate value.
Signs a PEO analysis is right for your organization
Rapid growth or adding new locations
Desire for better benefits or improved group health options
Compliance pain points — ACA reporting, ERISA, wage & hour issues
High employee turnover or seasonal staffing challenges
Need for centralized HR & payroll across multiple locations
Looking to offload administrative burden from leadership and staff
Additional Services

Budget Development & Income Forecasting

The checking account balance is not a financial strategy. We build the budget and forecasting frameworks that allow organizations to plan with confidence — then we transfer that knowledge entirely to your team. Our goal is not dependency. It is capability.

  • Annual budget development by department or program
  • Income forecasting models & revenue trend analysis
  • Cash flow projections & reserve policy design
  • Capital allocation & windfall management frameworks
  • Written budget handbooks & process documentation
  • Staff & leadership training — equip, empower, release

Accounting Software & Financial Systems

Excel and basic QuickBooks were not designed for what your organization has become. We assess, recommend, and implement the right platform — then build the chart of accounts, reporting templates, and workflows your team will use independently long after we are done.

  • Software assessment, selection & implementation
  • Chart of accounts architecture for complex organizations
  • Fund accounting setup — restricted & unrestricted funds
  • Multi-entity & departmental budget integration
  • Custom reporting dashboards & templates
  • Staff training, workflow guides & ongoing support

Fractional CFO & Financial Leadership

Executive-level financial oversight without the full-time salary. We design the financial systems, processes, reports, and governance structures your organization needs — and we build your team's capacity to own and run them. Our job is to make ourselves unnecessary.

  • Financial infrastructure design & implementation
  • Board & leadership financial reporting frameworks
  • Policy and procedure manuals for finance teams
  • Strategic financial planning & capital allocation guidance
  • Leadership coaching & financial literacy development
  • Ongoing support as questions and decisions arise

Governance & Compliance

Compliance is not a fire drill. It is an ongoing discipline of policies, controls, and documentation that protects the trust your stakeholders have extended to you. We build the frameworks and train your leadership to apply them with confidence.

  • Internal financial controls & policy frameworks
  • 501(c)(3) & nonprofit governance documentation
  • Minister's housing allowance — IRS Pub. 4361 & 517 (where applicable)
  • 403(b)(9) church retirement plan advisory & coaching
  • ACA, ERISA & multi-state compliance advisory
  • Compensation studies & benchmarking
  • Board governance frameworks & financial education

Growth Management & Expansion Advisory

Fast growth is one of the most financially dangerous seasons an organization can enter without the right infrastructure. New locations, capital projects, staff expansion, facility decisions — we provide the financial modeling and strategic guidance that turns enthusiasm into a sound plan.

  • Multi-location financial structure & consolidation
  • Capital project feasibility & financial modeling
  • Staff expansion planning & compensation frameworks
  • Facility acquisition & lease analysis
  • Financial risk assessment for major decisions
Our Philosophy

We reject the mindset of just getting by.
We are forward-thinking by conviction.

I.
You cannot master
what you cannot measure.
II.
You cannot build
what you do not understand.
III.
You cannot sustain
what you do not steward well.

Big outcomes are built on small disciplines —
repeated, refined, and never abandoned.

"We help leaders master the small things,
so they can be trusted with much."

Rooted in principle.
Built for every organization ready to grow with integrity.

Principle 16:10 serves organizations nationwide — in all 50 states. Our work spans senior financial leadership across nonprofit, ministry, real estate, business ownership, and multiple service sectors. The principle is universal: growth requires trustworthy infrastructure. The application is tailored to who you are and what you are building.

Growing Businesses
10–500 employees, scaling fast
Nonprofits & Churches
501(c)(3) organizations
Single-campus & multi-site
Schools & Education
Private, faith-based, charter
Healthcare Practices
Clinics & care organizations
Professional Services
Legal, CPA, consulting firms
Goods & Service Industries
Construction, Manufacturing,
Retail & Wholesale

These are examples — not limits. Principle 16:10 serves any organization in any industry ready to build trustworthy financial infrastructure.

A process built for clarity,
not complexity.

A great advisory engagement should feel like relief, not another burden. Here is what working with Principle 16:10 looks like from first conversation to long-term partnership.

I
The Discovery Conversation
We begin by listening. In a focused 30–45 minute conversation, we learn your organization's structure, your current pain points, your financial systems, and where leadership is spending energy it shouldn't be. This conversation is free, confidential, and without obligation. It is simply the right first step.
II
The Organizational Assessment
We conduct a structured review of your current financial infrastructure — payroll costs, benefits structure, accounting systems, compliance posture, budget frameworks, and reporting visibility. This gives both of us a clear picture of where the real opportunities and vulnerabilities exist before we recommend anything. We start at the foundational level. That is where the truth lives.
III
Market Analysis & Strategic Recommendations
For PEO engagements, we take your profile to 70+ vetted providers and return within 2–4 weeks with a clear financial comparison. For systems and advisory work, we present a prioritized roadmap with honest timelines and costs. Everything is transparent. Nothing is oversold.
IV
Strategic Presentation & Decision
We present our findings to you and your leadership — in person or virtually — with complete clarity. No pressure. No performance. Just honest counsel and a decision you make with full confidence because you have the information to make it well.
V
Implementation & Ongoing Partnership
We manage every transition — coordinating with vendors, managing timelines, training your team, and ensuring nothing falls through the gaps. After implementation, we remain your strategic financial partner. The relationship does not end at go-live. It begins there.

The principle is biblical.
The application is universal.

Principle 16:10 takes its name from Luke 16:10 — a foundational text on trust, faithfulness, and the relationship between small things and large outcomes. We do not require shared theology to deliver value. But we believe the wisdom that built this firm runs older and deeper than any business framework. These are the texts that shape how we approach the work.

Luke 16:10 — Our Namesake

"Whoever can be trusted with very little can also be trusted with much."

Application: Trust begins in the details. Faithfulness at the foundational level is what qualifies an organization for what comes next.
Proverbs 24:3–4

"By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures."

Application: Infrastructure, wisdom, establishment. Durable growth is built — not improvised.
1 Corinthians 14:40

"Everything should be done in a fitting and orderly way."

Application: Order, process, governance, operational discipline. Excellence has a structure.
Proverbs 21:5

"The plans of the diligent lead to profit, as surely as haste leads to poverty."

Application: Diligence, planning, forecasting, financial discipline. Speed without structure is a tax on the future.
Proverbs 27:23

"Be sure you know the condition of your flocks, give careful attention to your herds."

Application: Reporting, dashboards, financial visibility. You cannot lead what you cannot see. Leadership begins with knowing.

Begin the Conversation

The strongest leaders know when
to ask for wise counsel.

If any part of this resonates — if your organization is overpaying, operating without a real budget, managing growth without a financial framework, or simply carrying more than it should — let's talk. The first conversation is always free.

Book Your Free 30-Min Discovery Call

No pressure. No performance. Just honest counsel.

16:10
Casey Jones
Founder & Principal Advisor
casey@principle1610.com
About Casey

Casey Jones has spent years serving organizations in senior accounting, controller, CFO, and advisory roles — helping strengthen financial systems, improve internal processes, build clearer reporting structures, and support more confident strategic decisions. With a Bachelor of Science in Finance and Business and experience across nonprofit accounting, HR/payroll, audits, compliance, data migration, real estate, and business ownership, Casey brings a unique blend of financial leadership, operational discipline, and practical implementation experience.

His passion is centered on helping owners, executives, and organizational leaders step out of the administrative weeds and return to their mission — with stronger systems, better forecasts, customized reporting, optimized PEO solutions, and faithful attention to the details that drive long-term success.

Strength begins in the details.

Small disciplines. Lasting strength.