Client Advisory Services
Your trusted advisor as you grow and scale
Someone who knows your business, tells you plainly what is driving changes in your financials, and helps you make the hard decisions. A fractional CFO and Controller gives growing businesses the judgment of a senior finance hire, long before a full-time salary makes sense.
What it covers
Fractional CFO (Chief Financial Officer)
The forward-looking work: cash forecasting far enough ahead to act on, pricing and margin analysis, scenario planning before you commit capital, and the conversation with your lenders. The value is someone with experience building financial models and analysis, who will give you an honest, unbiased opinion on any question about your business.
Fractional Controller: the accountant, not the bookkeeper
A bookkeeper records what moved through the bank. An accountant closes the books: accruals, prepaid expenses, deferred revenue, adjusting and reversing entries, depreciation schedules, and reconciliations for all balance sheet accounts, not just the bank and credit card. That is Controller work, and it is what turns a tidy ledger into statements that hold up in front of a lender, a buyer or an auditor. Less visible than CFO work, but a CFO's forecast built on simplified financial statements may show greater budget versus actual differences than anticipated.
Business formation
Standing up a new entity once, correctly, rather than fixing it in year three. Choosing the structure with its tax consequences in view, forming it, serving as your registered agent, getting the federal and state registrations in place, and walking through the risks new businesses tend to discover late, insurance being the one that hurts most when it is discovered after the fact.
What this looks like in practice
Saving a solo professional nearly $5k in payroll taxes
We saved a business owner thousands on payroll taxes by identifying eligible exemptions and by accounting for the geographic area where they performed the work when setting their eligible salary for the year.
Two partners and an entity
Two people about to go into business together, planning to start without forming an entity, which made them a general partnership by default. Neither had thought through the risks, like the liability associated with business debts. They had not settled how profit would be split, what happened if one of them left, or which structure would cost less in taxes at the revenue they expected. Fortunately, we worked it all out and formed the appropriate entity before there was any money to argue about.