Fractional CFO & Advisory
Executive-level financial leadership for businesses that need strategic guidance. Planning, forecasting, and decision support without the cost of a full-time hire.
What This Is
A CFO thinks differently than a controller or bookkeeper. Controllers make sure the numbers are right. CFOs use those numbers to make decisions about the future. They build forecasts. They model scenarios. They figure out whether you can afford to hire three people or should wait until Q3.
Fractional CFO services give you that level of thinking without adding a $250,000 salary to your payroll. You get executive financial leadership on a retained basis. The focus is entirely on planning, analysis, and strategic guidance rather than recording transactions or closing the books.
Planning and Forecasting
Planning and Forecasting
Building financial projections that actually inform decisions. Cash flow forecasting so you know when money gets tight. Scenario modeling to understand what happens if revenue grows 20% or drops 15%. Budgets that connect to real operational goals.
Analysis and Decision Support
Analysis and Decision Support
KPI dashboards that track what matters for your business. Monthly performance reviews that go beyond the numbers to explain what’s driving results. Variance analysis that answers why things look different than expected. Direct input on major business decisions.
Why This Matters
Most business owners make financial decisions based on their bank balance and gut instinct. That works up to a point. But once you have multiple revenue streams, significant payroll, and real capital needs, gut instinct stops being reliable. You need someone who can model the financial impact before you commit.
The businesses that grow sustainably have access to this kind of thinking. They know their cash runway. They understand which product lines or services are actually profitable after overhead allocation. They can walk into a bank with projections that make sense. The businesses that struggle often have the same potential but lack the financial visibility to act on it.
The Strategy Gap
The Strategy Gap
Your accountant can tell you what happened last quarter. That’s useful but not sufficient. Strategic decisions require forward-looking analysis. What happens to cash flow if you add a location? Can you afford to lose that client? What does breaking even look like on the new product line?
The Cost Reality
The Cost Reality
A full-time CFO costs $200,000 to $400,000 annually in South Florida when you include benefits. Most businesses between $2 million and $20 million in revenue need the expertise but cannot justify that expense. The fractional model makes executive finance accessible at a fraction of the cost.
What Changes
You stop making major decisions without financial analysis. Before you sign a lease or take on debt or expand into a new market, you have someone modeling the numbers and pressure-testing assumptions. You understand what success looks like financially and what the warning signs are if things go sideways.
Quarterly strategic reviews become a regular part of how you run the business. You develop real visibility into cash flow, profitability by segment, and the financial health of the operation. When opportunities come up or problems emerge, you have the analytical framework to respond with confidence.
Capital Readiness
Capital Readiness
Banks and investors expect financial sophistication. They want projections, sensitivity analysis, and clear articulation of how funds will be used. Having CFO-level preparation for these conversations changes outcomes. You walk in ready instead of scrambling to explain numbers you don’t fully understand.
Measured Growth
Measured Growth
Growth without financial planning is how profitable businesses run out of cash. You’ll have forecasts that show when cash gets tight and what drives it. You can time major expenses, plan hiring, and invest in growth without putting the core business at risk.
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Next Step:
Let's Talk About Your Business
Tell us about your business and your goals. We'll discuss how Jargo can support your financial operations and growth.
