Fractional CFO
Ongoing CFO-level support for growing service businesses. We handle cash flow forecasting, financial analysis, and strategic planning so you have a senior financial partner without the full-time salary.
The Gap
There is a point in a service business where bookkeeping alone is not enough. The books are clean and accurate, but you still find yourself flying blind when it comes to bigger decisions. You need someone who can look at the financials and tell you what they mean for the business going forward.
A full-time CFO would solve this, but at $150,000 or more per year, that does not make sense for most owner-operated businesses. A fractional CFO or outsourced CFO fills that gap. You get senior financial leadership without the overhead of a full-time executive.
Beyond Bookkeeping
Beyond Bookkeeping
Clean books show you what happened. A fractional CFO helps you understand what to do next. The value is in using the financial data to inform decisions about pricing, hiring, expansion, and operations.
Right-Sized Support
Right-Sized Support
You get senior financial leadership scaled to what your business actually needs. An experienced financial partner who shows up regularly, knows your numbers, and works with you on the decisions that move the business forward.
The Work
A fractional CFO serves as your embedded financial partner. We handle cash flow forecasting so you know what is coming before it arrives. We analyze the numbers to find where margins are strong and where they are weak. We build the financial models that let you plan for growth with confidence.
This is ongoing work, not a one-time project. We meet regularly, review the numbers, and help you make decisions with real data behind them. When you need to decide whether to hire, expand, or take on debt, you have someone in your corner who knows the financial picture cold.
Cash Flow Forecasting
Cash Flow Forecasting
We project your cash position weeks and months out, accounting for seasonality, receivables, and planned expenses. You stop reacting to cash crunches and start anticipating them. You know when money will be tight before it happens.
Financial Analysis
Financial Analysis
We dig into the numbers to show you which services, clients, and projects actually make money. We track trends over time and surface the insights you need to make pricing and operational decisions with confidence.
The Background
Simona brings real depth to this work. She is a CPA and Enrolled Agent with a Financial Modeling and Valuation Analyst credential from the Corporate Finance Institute. She has formal training in the forecasting, modeling, and valuation work that CFO-level support requires.
Her background includes business advisory work at Transworld Business Advisors, where she handles business valuations, acquisitions, and due diligence. That experience means she understands the strategic side of running and growing a business alongside the accounting.
CPA Foundation
CPA Foundation
The books, the taxes, and the financial strategy all connect. As a CPA and Enrolled Agent, Simona handles the technical accounting and tax work in-house, so your financial leadership and tax planning stay aligned under one roof.
Valuation Perspective
Valuation Perspective
With her FMVA training and transaction advisory experience, Simona can help you think about the business the way a buyer or investor would. That perspective is valuable whether you are planning to sell someday or simply want to build a stronger, more valuable company.
New England's CPA-Led Bookkeeping Partner
The Next Step:
A Quick Conversation
We'll listen, ask a few questions, and show you exactly how we can help.