Profit. Tax. Capital. One CFO.

The Phase 1 Profit Reset is six weeks of intensive, multi-disciplinary work — books cleanup, three-statement modeling, pricing strategy, owner compensation analysis, year-round tax planning, capital options assessment, and implementation. At a typical fractional CFO hourly rate of $200 to $400, the same scope of work hourly would run $12,000 to $24,000. The fixed-fee structure gives you certainty on cost and aligns my incentives to outcomes, not hours.

An in-house CFO at the early-mid stage costs $180,000 to $250,000 per year fully loaded, plus $30,000 to $60,000 in recruiting cost. Most $1M to $5M businesses and $250K to $1.5M nonprofits cannot justify that headcount. The CFO Program retainer ($1,500 to $5,000 per month) gives you the same strategic capability at five to fifteen hours per month, typically 60 to 80 percent less than the in-house cost — and includes tax credentials and lending capability that an in-house CFO usually does not have.

In a typical Profit Audit, clients identify $5,000 to $25,000 in opportunity. In a typical CFO Program 6-week Reset, clients identify $10,000 to $50,000 in pricing or cost optimization plus $5,000 to $25,000 in tax strategy savings. Most CFO Program clients recover the Phase 1 engagement fee in identified opportunities before the first month of retainer ends. Beyond the first 90 days, the value compounds — better pricing decisions, better tax positioning, better capital deployment all accrue year over year.

No. Hourly billing creates the wrong incentives for both of us. You hesitate to call. I am rewarded for slow work. Neither helps your business. The fixed-fee Profit Reset and the monthly retainer structure mean we both have skin in the game on outcomes, and you can pick up the phone whenever you need to without watching the meter run.

No. The practice is based in Lawrenceville, NJ, but we work virtually with businesses and nonprofits nationwide. Most engagements run entirely over video, email, and shared cloud tools.

Book a 15-minute fit call. The decision usually comes down to two questions: are you above $500K in revenue (or $250K+ as a nonprofit), and do you want ongoing partnership or a clear answer you can act on yourself? If you cannot tell, the call exists for that.

An in-house CFO at the early-mid stage typically costs $180,000 to $250,000 per year fully loaded, and most $1M to $5M businesses cannot justify the headcount. A fractional CFO gives you the same strategic capability at five to fifteen hours a month — for a fraction of the cost. The CFO Program structure is built specifically for this scale.

Yes — and we often recommend it. The CFO work is forward-looking and complementary to a good bookkeeper or tax preparer. We coordinate with your existing team. If your books need cleanup before strategic work begins, we can scope that as a separate bookkeeping engagement or handle it ourselves.

30 minutes. We walk through your current state — revenue, structure, financial team, top one or two questions on your mind — and decide together whether either offering is a fit. No sales pressure. If it is not a match, we say so and recommend an alternative.

The Profit Audit may still be a fit if you have specific financial questions. Below $150K, the right next step is usually a clean bookkeeping engagement plus 990 preparation, not a CFO. We are happy to refer you to a partner if that is the better path.

Yes. We are an in-house commercial loan broker. When the strategy calls for capital, we prepare the pre-qualification packet, identify suitable lenders, and broker the loan. We do not hand you a printout and tell you to call your banker.

What is included in the CFO retainer: brokerage service itself — capacity analysis, lender matching, packet preparation, lender negotiation. The loan application fee is waived for retainer clients.

What is billed separately: lender origination fees (set by the lender, typically 1–3% of the loan amount) and broker placement fees (paid at closing). These are the standard costs of any commercial loan and are disclosed in writing before any loan is pursued. We never proceed with a financing engagement until you have a clear, written breakdown of every fee involved.