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strategic accounting &
advisory services
Whether you need sharper insights, oversight without the overhead, or a partner to guide your next big move—we’ve got you covered. Milliken’s Strategic Accounting & Advisory Services deliver the clarity and leadership insurance agencies need to scale, stay compliant, and plan for the future.
Grow with confidence
benchmark reporting
See how you stack up. Quarterly and annual reports that compare your KPIs against peers and highlight where to improve before your next decision.
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Quarterly peer comparison across 10–12 agency KPIs (commission ratios, retention, expense margins)
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Annual deep-dive with trend analysis and tailored recommendations
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1:1 review call with actionable insights​​​
Fractional cfo
Your financial co-pilot. Forecasting, capital strategy, M&A, and succession planning - strategic support to help you grow with confidence.
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Budgeting, forecasting, and scenario planning
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Growth and expansion strategy development
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M&A support: due diligence, valuations, integration planning
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Succession and exit planning
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Investor and lender relations
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Ongoing performance dashboards and benchmarking-driven recommendations
fractional controller
The assurance layer above bookkeeping. Oversights, compliance, and tailored reporting that turns numbers into decision-ready insights.
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Oversight of AP/AR, payroll, and carrier reconciliation
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Trust Account compliance and internal controls
Customized management reporting (commission payout ratios, producer profitability) -
Month-end close with accruals and adjustments
Vendor/carrier payment review and approval
M&A Advisory
Plan your next move with certainty. From valuations and due diligence to integration strategies, we help agencies navigate transitions smoothly.
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Agency valuation and financial modeling
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Buy-side and sell-side due diligence
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Deal structuring and negotiation support
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Integration planning and execution oversight
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Exit planning strategies to maximize value​​​​​
John Ngo
Strategic Insurance Accounting Advisor
With over a decade of experience in finance, accounting, and insurance operations, John’s expertise includes financial strategy, acquisitions, system integrations, and operational consulting.
John has successfully managed 18 acquisitions from due diligence through integration and played a key role in scaling company revenue from $3 million to over $20 million in just two years. He has led multiple large-scale management system conversions, including HawkSoft, EZLynx, QuickBooks to NetSuite, and Applied Epic, giving him a deep understanding of technology’s role in agency growth and compliance.
In his leadership roles, John has built and managed high-performing finance teams, implemented process improvements, and guided businesses through major system transformations. His background includes serving as VP of Finance at Highstreet Insurance Services West and CFO of Simmons Insurance Group, where he oversaw financial planning, M&A strategy, and operational efficiency.
John’s specialized knowledge in financial modeling, forecasting, and due diligence makes him a key resource for agencies navigating growth and transition. His blend of strategic insight and hands-on execution ensures clients receive decision-ready insights, stronger financial controls, and clear pathways to sustainable success.