Fractional CFO
Part-time CFO-level support, cash flow forecasting, analysis, and strategic planning.
What This Is
A fractional CFO is a part-time chief financial officer who works with your business on an ongoing basis. You get the strategic thinking, financial analysis, and forward-looking guidance that a full-time CFO provides, without committing to a six-figure salary and benefits package. The engagement scales to what your business actually needs right now.
Andrew brings over two decades of executive finance experience, including leadership roles in banking, credit, and risk management. That background shapes how we approach every engagement. We look at your numbers the way a lender or investor would, identify where the risks are, and help you build a financial plan that holds up when it matters most. This isn’t theoretical advice. It’s hands-on involvement in the financial decisions that drive your business forward.
What's Covered
What's Covered
Cash flow forecasting and management. Financial statement analysis and interpretation. Budgeting and planning. Pricing and profitability reviews. Guidance on business financing and capital decisions. Board or investor reporting. Coordination with your bookkeeper, tax preparer, and any outside advisors to make sure everyone is working from the same set of facts.
How It Works
How It Works
We start by understanding your business, your numbers, and where you’re trying to go. From there, we set up a regular meeting cadence and reporting structure that fits your needs. Some clients meet with us weekly. Others work on a monthly cycle. Everything is delivered remotely through secure workflows with consistent check-ins so you always know where things stand.
Why This Matters
Most small and mid-sized businesses reach a point where bookkeeping alone isn’t enough. The books are clean, the reports come in on time, but nobody is helping you interpret what those numbers mean for the decisions you’re facing. Should you hire another employee? Can you afford to take on that lease? Is your pricing actually generating profit or just revenue? These are CFO-level questions, and without someone in that role, they tend to get answered by gut feeling.
The gap is especially visible when you’re dealing with banks, investors, or partners who want to see projections, cash flow models, or a clear financial strategy. Showing up with a P&L and a balance sheet is not the same as showing up with a plan. Businesses across construction, healthcare, real estate, professional services, and other industries we work with all hit this wall at some point. The finances get complex enough that someone needs to be thinking about the bigger picture.
The Gap Between Bookkeeping and Strategy
The Gap Between Bookkeeping and Strategy
Your bookkeeper records what happened. Your tax preparer files what’s required. But who is helping you decide what should happen next? Without a financial strategist on your team, you’re left interpreting reports on your own and hoping you’re reading them correctly. That works until it doesn’t.
The Cost of a Full-Time Hire
The Cost of a Full-Time Hire
A full-time CFO in the Northern Virginia market can easily run $150,000 to $250,000 a year in total compensation. For most small businesses, that’s not realistic. But the need for that level of thinking doesn’t go away just because the budget isn’t there. A fractional arrangement gives you access to the expertise at a fraction of the cost.
What Changes
You stop guessing about the financial side of your business. Instead of wondering whether you can afford a new hire, you look at a forecast that shows exactly what happens to cash flow if you add that salary. Instead of hoping your pricing works, you review a margin analysis that tells you where the money is actually being made and where it’s leaking out. Decisions get made with real data behind them.
When the bank asks for projections, you have them. When a growth opportunity comes up, you know whether the numbers support it before you commit. You have someone on your side who understands your financials deeply and is thinking ahead on your behalf. That kind of partnership changes how you run your business and how confidently you move forward.
Clarity on Cash Flow
Clarity on Cash Flow
Cash flow is where most small businesses run into trouble, not because they aren’t profitable on paper but because the timing of money in and money out doesn’t line up. With proper forecasting and planning, you see shortfalls before they happen and make adjustments while you still have options. No more surprises when payroll is due.
A Financial Partner in Your Corner
A Financial Partner in Your Corner
You get someone who knows your numbers, understands your industry, and is available when decisions need to be made. Not a consultant who drops in once a year, but a consistent presence who tracks your progress, flags issues early, and helps you build toward the goals you’ve set for your business.
Northern Virginia's Bookkeeping & Advisory Firm
First Step:
Tell Us About Your Business
Every engagement starts with a conversation. Tell us what's going on with your books and we'll give you our honest assessment.
