CFO Advisory Services
You don't need a full-time CFO. You need their answers.
CFO advisory means getting the strategic financial guidance a Chief Financial Officer provides, cash flow forecasting, profitability analysis, and growth planning, without a six-figure salary. If that still sounds vague, that's normal. Here's what it actually means for your business.
15+
Years Experience
100%
CPA-Reviewed Insight
Fixed-Fee
No Hourly Surprises
Get Your Free 30-minute Strategy Session
No commitment. We reply within one business day.
Let's Start With the Basics
What Is CFO Advisory, Really?
A lot of business owners have heard the term "CFO" and assumed it's only for big companies with big budgets. It isn't. It's simply the difference between someone who records your numbers, and someone who uses them to help you make decisions.
Looks Backward
Bookkeeper
Records what already happened. Keeps every transaction categorized, reconciled, and accurate so your books reflect reality.
Looks at Compliance
Accountant / Tax Preparer
Reports and files. Turns your books into tax returns and financial statements that satisfy the IRS, a lender, or an investor.
Looks Forward
CFO Advisor
Plans what happens next. Uses your numbers to guide pricing, hiring, cash flow, and growth decisions before they become problems.
Why It Matters
The Questions a Bookkeeper Can't Answer, But a CFO Can
These are illustrative scenarios showing the kind of problems CFO advisory is built to catch, not case studies of specific clients.
Example Scenario
Profitable on Paper, Broke in Practice
The Situation
A seasonal service business shows a healthy profit every year, but scrambles for cash every winter.
How CFO Advisory Helps
A rolling cash flow forecast flags the seasonal gap months in advance, so reserves get set aside before the slow season hits, not during it.
Example Scenario
Growing Fast, Taking Home Less
The Situation
Revenue doubled this year, but somehow the owner is bringing home less money than before.
How CFO Advisory Helps
A profitability analysis by service line uncovers one offering that's actually being sold at a loss, and gets it repriced.
Example Scenario
Ready to Hire, Afraid to Look
The Situation
The team is stretched thin and a new hire feels overdue, but the owner isn't sure the business can actually support it.
How CFO Advisory Helps
A simple hiring cost model shows the real break-even point and cash impact, turning a guess into a decision.
Example Scenario
The Bank Wants Numbers You Don't Have
The Situation
A loan or line of credit application stalls because the bank keeps asking for projections and reports that don't exist yet.
How CFO Advisory Helps
Lender-ready financials and forecasts get built in advance, so the application moves instead of stalling.
What's Included
Strategic Support, Built Around Your Business
Not a generic report. Ongoing guidance built around the decisions you're actually facing.
Cash Flow Forecasting
See cash gaps months before they happen, not the week they happen.
- 13-week rolling cash forecast
- Seasonal trend analysis
- Early warning on shortfalls
KPI Dashboards & Reporting
The handful of numbers that actually tell you how the business is doing.
- Custom KPI tracking
- Monthly performance summary
- Plain-English explanations
Budgeting & Forecasting
A real plan for the year, checked against reality every month.
- Annual budget build
- Budget vs. actual tracking
- Rolling forecast updates
Profitability Analysis
Find out which jobs, products, or clients actually make you money.
- Margin analysis by service/product
- Pricing strategy review
- Cost driver breakdown
Scenario & Growth Planning
Model a decision before you make it, not after.
- "What if" scenario modeling
- Hiring & expansion planning
- Break-even analysis
Financing & Lender-Ready Reporting
Walk into a bank or investor meeting with numbers that hold up.
How It Works
From First Call to Financial Clarity
A simple, guided path, no finance degree required on your end.
01
Free Strategy Call
We talk through where your business stands today and what decisions are keeping you up at night.
02
Financial Deep Dive
We review your historicals and build a baseline model of how your business actually performs.
03
Custom Advisory Plan
You get a fixed monthly plan built around your goals, not a generic package.
04
Ongoing Strategic Partner
Regular sessions, real KPIs, and decisions backed by numbers instead of gut feel.
Free Resources
Start Here. No Commitment Required.
Three ways to get immediate value before you sign anything.
Free Cash Flow Snapshot
Send your last 3 months of financials and we'll show you where cash is leaking. No cost, no obligation.
Get My SnapshotKPI Starter Guide
The 5 numbers every small business owner should be tracking every month, explained in plain English.
Download the Guide30-Minute Strategy Call
A free call to talk through where your finances are and where you want them to go.
Book NowTransparent Pricing
Fixed Monthly Advisory. Built Around Your Business.
No hourly billing. Every plan below is a starting point for your custom, fixed-rate advisory package.
Every price below is a starting point, not a quote. We build a custom, fixed-rate advisory package around your business size, goals, and how much involvement you want, added anytime alongside bookkeeping or tax planning.
Foundational
For owners getting their first real dose of financial strategy.
Starting at
$850 / month
- Quarterly financial review call
- Full three-way cash flow forecast
- Core KPI dashboard
- Quarterly goal alignment
- Email support between calls (2-3 business day response)
Pricing adjusts based on business complexity and scope.
Most Popular
Growth
For businesses ready to plan ahead, not just look back.
Starting at
$1,500 / month
- Monthly strategy session
- Full three-way cash flow forecast
- Quarterly forecast refresh
- Enhanced KPI dashboard
- Monthly financial health report
- Profitability analysis by service/product
- Budget vs. actual reporting
- Lender-ready reporting support
- Email support for guidance and clarifications (1-2 business day response)
Pricing adjusts based on business complexity and scope.
Strategic
For businesses preparing for financing, a sale, or serious growth.
Starting at
$2,500 / month
- Bi-weekly strategy sessions
- Full three-way cash flow forecast
- Scenario planning
- Hiring & payroll forecasting
- Pricing & margin optimization
- Annual budget, updated quarterly
- Advanced KPI dashboards
- Budget vs. actual reporting
- Monthly custom executive reports
- Priority email support with faster response times (within 1 business day)
Pricing adjusts based on business complexity and scope.
Why Choose Us
Financial Strategy, Explained Like a Human Wrote It
CPA-level insight, without the jargon or the six-figure price tag.
CPA-Led Insight
Every recommendation is backed by CPA-level financial analysis, not a generic template.
Built for Small Business Budgets
You get CFO-level thinking without the CFO-level salary. Fixed monthly pricing, scaled to your size.
Plain-English Explanations
No jargon dumps. If a number matters, we explain why in language you'd actually use.
Fixed, Transparent Pricing
One flat monthly rate. No hourly billing, no watching the clock, no invoice surprises.
Works Alongside Your Team
We complement your existing bookkeeper or CPA, we don't replace them, and we coordinate directly if needed.
15+ Years Across Industries
Mortgage, construction, engineering, and small business. We've seen the numbers behind your kind of challenges before.
Get Started
Not Sure If You Need CFO Advisory? Let's Find Out.
Answer a few quick questions about your biggest financial question mark right now, and we'll tell you honestly whether CFO advisory would help, and what it would look like for your business.
- A real answer within 1 business day
- No cost, no obligation to sign anything
- Straight talk, even if the answer is "not yet"
FAQ
Common Questions About CFO Advisory
What exactly does a CFO advisor do?
A CFO advisor turns your financial data into decisions. That means cash flow forecasting, profitability analysis, budgeting, and planning for growth, hiring, or financing, the same strategic work an in-house CFO would do, delivered on a fixed monthly retainer instead of a full-time salary.
I already have a bookkeeper or accountant. Do I need this too?
Likely yes, and they serve different purposes. Your bookkeeper keeps your records accurate, and your accountant handles compliance and tax filings. Neither role is built to tell you whether to hire, how to price a new service, or when your cash will run tight. CFO advisory fills that gap and works alongside your existing team.
Is CFO advisory only for big companies?
No. That's the most common misconception. Small businesses often need this kind of insight more than large ones, since a single bad pricing decision or cash crunch can hit much harder without a large company's cash reserves. Our plans are built specifically for small and mid-size businesses.
How much does CFO advisory cost?
Plans start at $850/month and are built as a custom, fixed-rate package based on your business size and how much strategic support you want. You'll always know your monthly cost in advance.
How is this different from tax planning?
Tax planning is focused on minimizing what you owe the IRS. CFO advisory is focused on the health and direction of your business day to day and month to month, cash flow, pricing, hiring, and growth decisions. Many clients use both together, since better financial visibility usually leads to better tax planning too.
How often will we actually meet?
It depends on your plan, ranging from a monthly strategy call on the Foundational plan up to bi-weekly sessions on the Strategic plan. Every plan includes a way to reach us between scheduled sessions if something urgent comes up.
What size business is a good fit for this?
Most of our CFO advisory clients are established small businesses, generally $250,000 to $5M in annual revenue, who've outgrown gut-feel decision making but aren't ready for a full-time finance hire. If you're not sure whether you fit, the free strategy call will tell you honestly.
Do I have to sign a long-term contract?
No. Our standard advisory agreements are month-to-month, and you can cancel with notice at any time. Clients who commit to a 12-month engagement receive preferred pricing compared to month-to-month billing.
Ready for Financial Clarity, Not Just Financial Records?
Whether you want to talk it through first or you're ready to get started, pick the option that fits where you are.