Virtual CFO Services
Executive-level financial guidance without an executive salary. Someone who can read your numbers, explain what they mean for the business, and help you decide with confidence.
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Three different jobs that get called “the finance person”
Businesses often tell us their books are fine but they still cannot make decisions. That is usually not a bookkeeping problem. It is that three distinct roles have been collapsed into one.
| Role | The question it answers | When you need it |
|---|---|---|
| Bookkeeper | What happened? | From day one. Somebody has to record the transactions. |
| Controller | Is the record right, and is it controlled? | As volume grows and mistakes get expensive to unwind. |
| CFO | What should we do next, and can we afford it? | When decisions start carrying real consequences. |
Most small and mid-size businesses hire the first, occasionally the second, and never the third: because a full-time CFO is a six-figure salary plus benefits plus equity, and the workload does not justify it. So the third question either goes unanswered or gets answered by instinct.
That gap is what this service fills. Not a bigger bookkeeping package: a seat at the table when the decisions that move the business actually get made.
What you get
The monthly engagement
Scoped to the size and complexity of your business, and agreed in writing before we begin.
Monthly financial review
We go through the financials with you, flag what moved and why, and give you a clear read on where the business stands. Not a report you file unread.
Cash flow forecasting
We model your cash position forward so hires, purchases and distributions can be planned rather than reacted to. Profitable businesses fail on cash timing, not profitability.
Budgeting and reforecasting
A budget that still means something in June, updated as the year actually unfolds rather than set in January and forgotten.
Strategic decision support
Growth, hiring, debt, real estate, an eventual exit. Before you commit, we run the numbers and give you a straight read, including when the answer is no.
KPI tracking and reporting
We identify the small number of metrics that genuinely predict your business's health, which are rarely the ones on the default dashboard, and report against them.
Tax-aware throughout
Because the same firm handles your tax work, the CFO advice already accounts for the tax consequence. You are not getting strategy from one adviser and a bill from another.
Businesses that have outgrown their numbers
You are past the point where the owner can hold the whole financial picture in their head, but nowhere near needing a full-time CFO on payroll. Decisions are getting larger and the gap between "the books are done" and "I know what to do" has become obvious.
This is not for pre-revenue businesses or for companies whose records are not yet reliable. If that is where you are, bookkeeping first is the honest answer, and we will say so.
Pricing
What a virtual CFO costs
Engagements are monthly and quoted per engagement, scaled to your size and complexity. Final scope and pricing are set after an initial conversation about your goals and your numbers, and that conversation is free.
We quote rather than publish a rate because the honest range is wide. A business with one entity and predictable revenue needs a fraction of what a multi-entity operation with seasonal cash swings needs.
Frequently asked questions
Questions before you commit
A bookkeeper records what happened. A controller makes sure the record is accurate and controlled. A CFO uses the record to decide what to do next. Those are three different jobs and businesses often hire the first, get clean books, and still cannot answer whether they can afford to hire.
A rough test: if you have made a decision in the last six months where you wanted to see the numbers first and could not, you have outgrown bookkeeping alone. Another: if your cash position surprises you more than occasionally, the forecasting is missing. Neither is about revenue size, which is why we do not publish a threshold.
In substance, yes, the same work, scaled to what your business actually needs, without a full-time executive salary, benefits and equity. The difference that matters is scope. We agree what we are responsible for up front rather than leaving it open.
A financial review that flags what changed and why. An updated cash flow forecast. Reporting against the handful of metrics we agreed actually predict your business's health. And access when a decision comes up between reviews, which is usually when it matters most.
No, but the forecasting is only as good as the books underneath it. If your records are current and reliable we will work from them. If they are not, we will tell you that before we start rather than producing forecasts built on numbers we do not trust.
Get in touch
Ready to work with a CPA who picks up the phone?
Business owners, executors, and individuals across Delaware County work with us because the CPA who quotes the job is the CPA who does it. The first conversation is free.
Schedule a free consultationPrefer to talk now? Call (484) 339-4616