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FRACTIONAL CFO / CONTROLLER | Financial Strategy, Cash Flow, Forecast (REMOTE)
license info:
CMA | CGMA | MBA | MAcc | MTax | MFin | MEcon | QuickBooks ProAdvisor | IRS PTIN
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If revenue is growing but cash is tight, margins are unclear, reporting arrives too late, or you're making major business decisions without reliable financial intelligence — you may not need another bookkeeper.
YOU MAY NEED A FRACTIONAL CFO.
And you may not need the cost, commitment, or overhead of employing one full-time.
I provide experienced Fractional CFO and Controller-level financial leadership to businesses that need stronger financial reporting, better controls, sophisticated analysis, improved cash visibility, and an experienced financial partner who can help ownership understand what the numbers are actually saying.
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FROM ACCOUNTING RECORDS TO EXECUTIVE FINANCIAL INTELLIGENCE
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A good accounting department tells you what happened.
A strong Controller makes sure the numbers are right.
A strong CFO helps determine what those numbers mean, what could happen next, and what management should do about it.
My engagements can combine all three disciplines.
FRACTIONAL CFO & STRATEGIC FINANCE SERVICES
• Strategic financial planning
• Executive decision support
• Cash-flow management
• 13-week cash-flow forecasting
• Rolling financial forecasts
• Annual budgeting
• Budget-to-actual analysis
• Financial modeling
• Scenario and sensitivity analysis
• Revenue and margin analysis
• Profitability analysis
• Cost structure analysis
• Working-capital analysis
• KPI development
• Executive dashboards
• Board reporting
• Investor reporting
• Lender reporting
• Capital planning
• Financial process improvement
• Management reporting packages
• Business performance analysis
• M&A and due-diligence financial support
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CONTROLLER & FINANCIAL REPORTING LEADERSHIP
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Financial strategy is only as reliable as the accounting underneath it.
I can work directly at the accounting infrastructure level to strengthen the financial foundation of the business.
Controller-level services can include:
• Month-end close management
• Year-end close support
• General ledger review
• Balance-sheet reconciliations
• Financial statement preparation
• GAAP-oriented financial reporting
• Revenue and expense recognition analysis
• Accrual accounting
• Prepaid expense accounting
• Deferred revenue analysis
• Chart-of-accounts restructuring
• Intercompany accounting
• Multi-entity accounting
• Consolidated reporting
• Audit-ready workpapers
• Internal-control development
• Historical accounting cleanup
• Accounting policies and procedures
• Financial workflow development
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CASH FLOW — KNOW WHAT IS COMING BEFORE IT ARRIVES
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Profit does not necessarily mean cash.
One of the most important responsibilities of a CFO is helping management understand where cash is coming from, where it is going, and what the business may need weeks or months from now.
Cash-flow analysis can include:
• 13-week cash forecasting
• Rolling cash projections
• Accounts receivable assumptions
• Accounts payable requirements
• Payroll requirements
• Debt service
• Capital expenditures
• Operating expenses
• Working-capital requirements
• Expected customer receipts
• Best-case scenarios
• Base-case scenarios
• Downside scenarios
• Liquidity analysis
The objective is to identify cash problems BEFORE they become emergencies.
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ADVANCED FINANCIAL MODELING & FORECASTING
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I develop financial models around the actual economic drivers of the business rather than simply inserting historical numbers into a spreadsheet.
Models can incorporate:
• Revenue assumptions
• Pricing
• Sales volume
• Gross margin
• Payroll
• Headcount
• Operating expenses
• Debt service
• Capital expenditures
• Working capital
• Cash requirements
• Break-even points
• Profitability targets
• Growth assumptions
• Best-case scenarios
• Expected scenarios
• Downside scenarios
The model should help management answer real questions:
How much cash will we have?
Where are we actually making money?
Where are we losing money?
What happens if revenue declines?
What happens if revenue grows faster than expected?
Can we afford another employee?
Can we afford another location?
Can we afford new equipment?
What happens if margins decline?
How much working capital will growth require?
What should management change?
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KPI DASHBOARDS & MANAGEMENT REPORTING
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Financial statements should not simply be produced and filed away.
I can transform accounting and operating information into management reporting designed to highlight what actually matters.
Reporting can include:
• Revenue trends
• Gross margin
• Operating margin
• EBITDA-related analysis
• Cash position
• Working capital
• Accounts receivable
• Accounts payable
• Customer concentration
• Expense trends
• Budget variances
• Department performance
• Project profitability
• Location profitability
• Cash conversion
• Customized KPIs
The goal is not more reports.
THE GOAL IS BETTER INFORMATION.
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INDUSTRIES & COMPLEX BUSINESS ENVIRONMENTS
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REAL ESTATE DEVELOPMENT & PROPERTY OPERATIONS
• Development accounting
• Property-level reporting
• Multi-entity accounting
• Development cost analysis
• Cash-flow modeling
• Project analysis
• Debt and lender reporting
• Property profitability
CONSTRUCTION & CONTRACTORS
• Job costing
• Project accounting
• Contract-cost analysis
• WIP concepts
• Subcontractor activity
• Project profitability
• Budget-to-actual analysis
• Cash-flow forecasting
HEALTHCARE & MEDICAL PRACTICES
• Financial reporting
• Payroll analysis
• Operating-cost analysis
• Practice profitability
• Budgeting
• Cash-flow visibility
• Management reporting
LEGAL & PROFESSIONAL SERVICES
• Client-driven financial reporting
• Partner and management reporting
• Profitability analysis
• Cash-flow analysis
• Budgeting
• Financial controls
ENGINEERING & ARCHITECTURE
• Project accounting
• Project profitability
• Labor utilization
• Resource planning
• Job costing
• Indirect-cost analysis
• Budgeting
• Forecasting
MANUFACTURING & DISTRIBUTION
• Inventory-related financial analysis
• Cost analysis
• COGS analysis
• Margin analysis
• Purchasing
• Working capital
• Supply-chain financial considerations
• Management reporting
I can also support technology, SaaS, e-commerce, retail, nonprofits, consulting, restaurants, professional services, and other small-to-middle-market organizations.
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ACCOUNTING SYSTEMS, DATA & FINANCIAL TECHNOLOGY
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Today's CFO needs to understand more than accounting.
My experience includes the intersection of accounting, finance, reporting, systems, analytics, and business processes.
Capabilities include:
• QuickBooks Online
• QuickBooks Desktop
• Accounting-system stabilization
• ERP environments
• Chart-of-accounts architecture
• Financial-data cleanup
• Reconciliations
• Advanced Excel
• Financial modeling
• Power BI
• Business intelligence
• KPI dashboards
• Reporting-process improvement
• Accounting workflow design
• Financial data analysis
• Process automation
Technology is not the objective.
A FINANCIAL INFRASTRUCTURE MANAGEMENT CAN TRUST IS THE OBJECTIVE.
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EXPERIENCE & PROFESSIONAL CREDENTIALS
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My background combines more than two decades of accounting and finance experience with extensive graduate education, professional certification, financial modeling, accounting systems, analytics, taxation, compliance, and technology training.
Education and professional credentials include:
• MBA
• Master of Accounting
• Master of Taxation
• Master of Finance
• Master of Economics
• CMA
• CGMA
• QuickBooks Online ProAdvisor
• QuickBooks Desktop expertise
• QuickBooks Payroll training
• IRS PTIN credentialing
• Financial modeling and valuation training
• GAAP financial reporting knowledge
• Business intelligence and analytics
• Advanced Excel
• Power BI
• ERP and accounting systems
• Internal controls
• Business-process improvement
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WHY HIRE A FRACTIONAL CFO?
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Because you may need CFO-level thinking without adding another full-time executive salary.
A Fractional CFO can help you:
✓ Improve cash visibility
✓ Understand profitability
✓ Strengthen financial controls
✓ Identify financial risk
✓ Improve forecasting
✓ Build better budgets
✓ Understand your margins
✓ Improve management reporting
✓ Prepare for lenders and investors
✓ Make better capital decisions
✓ Understand the financial impact of growth
✓ Build scalable financial processes
✓ Make better decisions with better information
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FLEXIBLE ENGAGEMENT OPTIONS
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Services can be structured around the actual needs of your business:
• Fractional CFO
• Fractional Controller
• Monthly financial oversight
• Interim CFO support
• Project-based CFO services
• Financial modeling projects
• Budgeting and forecasting
• Cash-flow forecasting
• Financial cleanup and stabilization
• Management reporting development
• Accounting-system cleanup
• Financial analysis
• Advisory and special projects
REMOTE ENGAGEMENTS AVAILABLE.
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THE OBJECTIVE
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CLEAN NUMBERS.
RELIABLE REPORTING.
VISIBLE CASH FLOW.
STRONGER CONTROLS.
BETTER FORECASTING.
BETTER DECISIONS.
MORE PROFITABLE GROWTH.
A FINANCE FUNCTION YOU CAN TRUST.
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READY TO TAKE CONTROL OF YOUR FINANCIAL FUTURE?
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If your business has outgrown basic bookkeeping — or you already have accounting staff but need experienced financial leadership above the accounting function — reply through Craigslist.
In your response, please tell me:
• What your business does
• Approximate annual revenue range
• Current accounting system
• Number of business entities, if applicable
• Your largest accounting or financial challenge
• What you would like your finance function to do better
I can then determine whether a Fractional CFO, Fractional Controller, project-based, or advisory engagement is the best fit.
STOP RUNNING YOUR BUSINESS THROUGH THE REARVIEW MIRROR.
Build the financial visibility necessary to understand where your business is going.
CONFIDENTIAL • PROFESSIONAL • ANALYTICAL • RESULTS-FOCUSED