Fractional CFO services: senior financial leadership without a full-time hire
You get a seasoned CFO who turns accounting data into forecasts, decisions, and accountability - working alongside your existing bookkeeper, controller, CPA, and leadership team.
30+ years
as a CFO
MBA
in Marketing
CPA
Georgia State Board of Accountancy License #CPA012637 (inact)
Trusted by leaders at
Accounting tells you what happened. CFO leadership prepares you for what happens next.
Your controller looks back, making sure what happened is recorded correctly. That’s exactly what they were hired to do. A CFO looks forward - taking what happened and turning it into a decision. About pricing. About cash. About where you’re leaking margin. About whether your growth is actually profitable.
Accurate books don’t automatically answer the owner’s next question:
Can we afford the next hire?
Which customers or projects are producing acceptable margin?
How much cash will growth consume?
What needs to change before we seek financing or sell the company?
Which operating assumptions are driving the forecast?
One keeps score. The other changes the outcome.
I own the forward-looking layer.
Read: What a Fractional CFO does that your bookkeeper and CPA do not
The core of Fractional CFO leadership
Four areas, one owner. Each one shows up in the monthly rhythm, not as a one-time project.
01
Performance and profitability
You’ll know where you’re making money and where you’re not. We focus on pricing, margins, and spending that actually support growth.
02
Cash and capital management
We map your upcoming cash needs and find ways to keep more flexibility - through pricing, terms, and working-capital discipline.
03
Banking and insurance guidance
Clear comparisons, better terms, and support choosing the right partners. I make sure your banking, insurance, and financial vendors match the needs of your business - and because I’m not your banker or your insurance agent, I have no conflict of interest.
04
Transaction and growth readiness
When a deal or raise is on the table, I help you prepare clean numbers and a clear story. You’ll be ready to negotiate with your investors or buyers.
Quarterly Profit Focus
Each quarter, on top of the monthly financial leadership and planning work, we pick one area that’s costing you money or slowing growth, measure it, and fix it for good. Examples, depending on your business:
Workers’ comp and safety costs
We identify the trends and loss drivers, and deliver a loss-control plan and broker meeting pack for your next renewal.
Card processing and banking fees
We calculate your effective rate and identify the cause of high fees. You get a negotiation script to cut the effective rate.
Inventory, WIP, or fleet management
We analyze turns, shrink, and dead stock - WIP aging for project and service organizations. Targets: raise turns, reduce stockouts and shrink, shorten the WIP cycle.
Staff turnover and overtime costs
Turnover cost model, overtime and scheduling impact, comp versus productivity. Targets: reduce unwanted turnover cost and overtime creep.
Media spend efficiency in your ad campaigns
Spend / pipeline / revenue bridge with conservative attribution. Targets: lower CAC and payback, reallocate to proven channels.
Cross-sell and upsell opportunities
Attach-rate baseline by segment, with simple offer and pricing guardrails. Targets: higher ARPC and expansion while protecting gross margin.
You’ll get a simple action plan, measurable targets, and follow-up until it’s fixed.
Fractional CFO plans
Choose the level of financial leadership your company needs today. Each plan includes ongoing CFO guidance, structured reviews, and measurable progress. You can start with a plan and upgrade or downgrade anytime.
$50,000
The guarantee
Every plan carries the $50,000 guarantee: at least $50,000 in profit opportunities found in the first 30 days, or the work is free.
CFO Foundation
Clarity and control for the CEO.
You’ll get:
Monthly brief with trends and next steps.
Driver-based forecast review.
One profit or cash fix per quarter.
Weekly CEO touchpoints.
Board-level services.
Outcome: you stop reacting to numbers and start leading with them.
CFO Leadership
Alignment and discipline across teams.
Everything in CFO Foundation, plus:
Margin and pricing reviews with ownership.
Cost and spending framework.
Cash conversion improvements.
Monthly leadership reviews.
Quarterly target resets.
HR compensation review.
Outcome: teams move faster, margins strengthen, and decisions are grounded in real data.
CFO Strategic Partner
Confidence with banks, investors, insurance, legal, compliance, CPA/auditors, and major decisions.
Everything in CFO Leadership, plus:
Scenario planning for growth or capital.
Bank- and investor-ready reporting.
Quarterly strategic reviews across functions.
Optional support for diligence or refinancing.
Outcome: clear forecasts, credible reporting, and confidence in every major decision.
Most ongoing engagements fall between $3,000 and $10,000 per month, depending on plan, scope, complexity, and the condition of the finance function.
Discuss a Fractional CFO EngagementWhat typically happens in the first 90 days
Weeks 1-2
Review where you stand: cash, reporting, and key financial processes.
Weeks 3-6
Build a forward-looking plan and put the first improvements in motion.
Weeks 7-12
Focus on the top profit or cash opportunity and set up a simple review rhythm.
After 90 days, you’ll have clear visibility, reliable reporting, and a repeatable process for better decisions. For the long-form record, read the case studies or explore the industry experience.
What this service does not include by default
If the books need remediation before CFO work can begin, I’ll define the gap and recommend the right bookkeeping or controllership support.
Daily bookkeeping and transaction entry.
Tax-return preparation or audit opinions.
Legal, investment-banking, or securities advice.
Unlimited on-demand work outside the agreed CFO agenda.
Frequently asked questions
Straight answers, the way I’d give them on a call.
We already have a controller and an outside CPA. How do you fit?
Your controller keeps the books current and the CPA handles tax. I lead the function: closing on time, turning data into decisions, and aligning finance with sales, ops, IT, HR, legal, and the CEO.
How quickly will we see an impact?
In the first two weeks, you’ll feel the difference: a clean monthly package and a cash view you can act on. By 90 days, the finance rhythm is steady and the top profit levers are moving.
Are you going to be the “CF-No”?
No. I have an MBA in Marketing on top of my CPA training, and I’ve held COO, CTO, and interim CEO roles. I look for where the business is leaving money on the table and where the right investment returns far more than it costs. There’s a difference between bringing discipline to a decision and defaulting to no because no feels safe.
Do you work on-site or remote?
Mostly remote to keep costs down, but I’m flexible and travel for key working sessions when it speeds outcomes. Day to day, we keep a tight weekly rhythm the team can rely on.
Will we need new software?
Not necessarily. The first priority is to make better use of the data and systems already in place. New tools come in only when they solve a defined reporting, control, or decision problem.
What if our books are behind?
I’ll identify whether the information is usable for CFO work. If cleanup is required, I can define the requirements and coordinate with an appropriate accounting resource, but remediation is scoped separately.
Give the next major decision a financial owner
Or text me directly at (727) 455-9905.
Not ready for an ongoing engagement? Start with the 10-Day CFO Decision Diagnostic.