Fractional CFO Β· advisory

The financial leadership of a CFO, without the full-time hire.

For U.S. small businesses doing roughly $1M–$10M in revenue β€” agencies, contractors, and real estate operators who need financial strategy, not more data entry. We help you steer the decisions behind the numbers.

$1M–$10M revenue Agencies & services Contractors Real estate operators
The value ladder

The next step up from clean books

Most clients grow with us in stages. Fractional CFO is the premium tier β€” for businesses that have outgrown β€œjust clean books” and need someone steering financial decisions.

Step 1BookkeepingClean monthly books
Step 2Business & S-Corp taxFiled under one roof
Step 3Tax planningProactive, year-round
Step 4 Β· premiumFractional CFOStrategy & decisions

Illustrative dashboard Β· not a representation of results

Is this you?

The signals it's time for a CFO

If a few of these sound familiar, you've likely outgrown bookkeeping alone β€” and a fractional CFO is the calm, part-time answer.

A business owner sitting at a desk by a window, reviewing printed financial documents
?You're flying blind on cash flow β€” no clear view of what's coming in and going out.
?There's no forecast, so every big decision feels like a guess.
?You don't actually know your true profit margins by service, product, or client.
?You're scaling β€” but more revenue somehow means more stress about money.
?You're still doing the finances yourself, at midnight, after everything else.
?You're weighing a big hire, a loan, or an expansion β€” and want a second set of numbers.
What a fractional CFO does

Strategy behind every number

The financial leadership a growing business needs β€” on a part-time retainer, not a six-figure salary.

β—·

Cash flow forecasting

Forward-looking cash management and scenario planning, so you can see what's coming and act before it's urgent.

β–¦

Budgeting & planning

A working budget and financial plan that ties day-to-day spending to where you actually want the business to go.

β–£

KPI & financial dashboards

A clear, live dashboard of the few numbers that matter β€” so you lead from data instead of gut feel.

β—Š

Profitability analysis

Where you actually make money β€” broken down by product, service, or client β€” so you can double down on what works.

✦

Strategic decision support

A second set of numbers on the big calls: pricing, hiring, financing, and expansion β€” modeled before you commit.

β–²

Board & lender-ready reporting

Clean, credible reporting for banks, investors, or partners β€” the kind of package that earns confidence in the room.

Advisory support to help you make informed decisions β€” not a guarantee of any specific financial outcome.

Bookkeeping vs. CFO

One records the past. One drives the future.

They're different jobs β€” and the best results come from having both working together.

A closed archive box beside an open notebook with a pen
Bookkeeping

Records the past

Bookkeeping captures what already happened β€” accurately and on time. It's the foundation everything else is built on.

  • Β· Reconciles accounts each month
  • Β· Categorizes income & expenses
  • Β· Produces clean financial statements
  • Β· Keeps you tax-ready
Fractional CFO

Drives the future

A CFO uses those clean books to look forward β€” turning numbers into decisions about cash, pricing, hiring, and growth.

  • Β· Forecasts cash and scenarios
  • Β· Translates data into decisions
  • Β· Sets budgets and KPIs
  • Β· Sits beside you on big calls

We do both, under one roof

CFO work is built on accurate books. Many clients have us keep the books and steer the strategy β€” so the same team that records the numbers is the one helping you act on them, with nothing lost in the handoff.

How the engagement works

A calm, predictable cadence

No long onboarding marathon β€” just a clear path from first call to a steady monthly rhythm.

Step 01

Discovery call

A free strategy call to understand your business, your goals, and where the financial blind spots are.

Step 02

Financial baseline

We get your books current and build a clear baseline β€” cash position, margins, and the KPIs that matter to you.

Step 03

Ongoing cadence

A monthly financial review and a live dashboard, so you always know where you stand and what to do next.

Step 04

Quarterly planning

We step back each quarter to update the forecast, pressure-test big decisions, and reset the plan.

Monthly retainers

Pick the level of financial leadership you need

Flat monthly retainers, month-to-month. Most clients start at Growth and adjust as they scale.

EssentialsOwners who need a forecast, a dashboard, and a monthly check-in.
By consultation
  • Monthly financial review meeting
  • Cash flow forecast (rolling)
  • Core KPI dashboard
  • Budget vs. actual tracking
  • Email support between meetings
Book a strategy call

Monthly retainer

Most popular
GrowthScaling businesses making real decisions on pricing, hiring, and cash.
By consultation
  • Everything in Essentials
  • Profitability analysis by segment
  • Scenario & decision modeling
  • Quarterly planning sessions
  • Priority access between meetings
Book a strategy call

Monthly retainer

ScaleEstablished operators who need board- and lender-ready financial leadership.
By consultation
  • Everything in Growth
  • Board & lender-ready reporting
  • Financing & expansion support
  • Deeper forecasting & modeling
  • Bookkeeping + tax coordinated

Retainers are monthly and month-to-month β€” your exact fee depends on complexity and cadence, and we confirm it before any work begins.

Open leather portfolio with financial charts, a gold pen, and reading glasses on a desk
A real expert in your corner

Strategy from someone who knows your numbers β€” and answers the phone.

SBZ Tax provides hands-on advisory support for small businesses. Your CFO engagement is a direct relationship with someone who already understands small-business finances β€” not a rotating offshore team or a faceless platform.

CTEC Registered Tax Preparer (CRTP)Small-business focusedRemote-first Β· nationwideSecure client portal
Questions

Good to know before we start

Your accountant looks backward β€” recording history and filing returns. A fractional CFO looks forward: forecasting cash, modeling decisions, and sitting beside you when you're deciding whether to hire, raise prices, or take on debt. The two roles complement each other, and we can do both.
CFO work is built on accurate, current books β€” so yes, clean bookkeeping is the foundation. If your books aren't current, we'll get them caught up first (or run both services together under one roof) before the strategy work begins.
Typically established small businesses doing roughly $1M–$10M in revenue β€” agencies, contractors, service firms, and real estate operators that have outgrown DIY finances. If you're smaller, our bookkeeping and tax-planning services are usually the better starting point.
Retainers are monthly and month-to-month β€” no long-term lock-in. We'd rather earn the relationship each month than hold you to a contract.
Less than you'd expect. Most of the work happens on our side; from you it's typically a monthly review meeting plus a quarterly planning session, with quick questions handled by email in between.
Book your call

Grab a time that works for you

Pick a slot for a free CFO strategy call β€” we'll review where you are and whether a fractional CFO is the right fit.

Grab a time that works for you

Share your details and Tony’s office will schedule your CFO consult within one business day.

Ready to steer, not just record?

Get the financial leadership your business has outgrown waiting for

Book a free CFO strategy call. We'll talk through where you are, what's keeping you up at night, and whether a fractional CFO is the right next step β€” no pressure, no obligation.

Advisory guidance is handled personally, with no guaranteed-outcome promises.