Financial Leadership without the Full-Time Cost
Your bank balance is not a financial strategy. Yet many business owners check it often and run on gut feeling. They watch the account, wait for the tax return, and hope the numbers hold up. And while that may work early on, it often stops once the business grows.
Entrepreneurs hit this fast. So do small and mid-sized business owners in every industry. Running a trade business, a practice, or a shop doesn’t teach cash flow either. Most owners learn the financial side on the job, after the fact, when it’s already a problem.
What a Fractional CFO Does
Enrolled Agent Georgene, co-owner of Simple Finances®, leads the fractional CFO practice. She works with small and mid-sized business owners, including nurse and healthcare entrepreneurs, who are building their own businesses and want financial clarity.
A bookkeeper records what happened.
A tax preparer reports what happened.
A fractional CFO guides you on what to do next.
Here is what that includes:
- Monthly review of your financial statements, explained without industry jargon.
- Cash flow management with a four-week forecast, so you see problems before they hit.
- Break-even analysis, so you know the minimum your business needs to cover its costs.
- Profit and margin review by service line, so you know which work pays and which does not.
- Owner pay planning, so you pay yourself on a schedule instead of whenever the account looks good.
- Pricing review, so your prices cover what they need to cover.
- Financial modeling before you hire, borrow, or add a service.
- Tax reserve tracking, coordinated with your tax preparer.
- Ongoing work to build enterprise value.
How a Fractional CFO Fits with Your Team
- Tax filing stays with your tax preparer. We coordinate closely with them on planning and reserves.
- Bookkeeping is available as an add-on for active CFO clients, alongside the CFO work rather than on its own.
- Every recommendation is grounded in your numbers, not guesswork.
Retainer Tiers
Every retainer starts with a 90-day minimum and a Business Financial Health Assessment at no added cost. That assessment sets the baseline and the agenda for the first 90 days.
| Tier | Monthly Fee | Hours/Month | Best For |
|---|---|---|---|
| Starter | $1,000 | 4–6 hours | Pre-revenue or just launched. Building the financial foundation before revenue arrives. |
| Core | $1,500 | 6–8 hours | Early revenue up to $250K. Needs cash flow, reporting, and consistent profit. |
| Growth | $2,500 | 10–12 hours | Revenue between $250K and $1M. Staff, multiple service lines, or added complexity. |
Bookkeeping Add-On
Bookkeeping supports active CFO retainer clients only. It is not sold as a standalone service, and it is not available through tax preparer partner referrals.
| CFO Tier | Add-On Fee | Includes |
|---|---|---|
| Starter | $300/month | Monthly transaction entry, bank and credit card reconciliation, and a profit and loss report. QuickBooks Online. |
| Core | $400/month | All Starter items, plus accounts receivable and payable tracking, a monthly balance sheet, and a full financial report package. |
| Growth | $500–$750/month | Full bookkeeping services, priced at the start of the engagement based on transaction volume. |
Not Ready for a Retainer? Start with a Project
Each project stands on its own. Each one is also built to lead into a retainer.
| Project | Fee | What You Get |
|---|---|---|
| Business Financial Health Assessment | $500–$750 | A one-time review of your profit and loss, cash position, pricing, break-even, and owner pay. Delivered as a written summary with next steps. This is the starting point for all retainer clients. |
| Cash Flow Crisis Assessment | $500 | For businesses short on cash. Finds the cause, maps the next four weeks, and delivers a clear plan. |
| Pricing Audit | $400–$600 | Reviews your pricing against what your business actually costs to run. Delivered as a written analysis with recommended changes and projected impact. |
Wondering if you’re ready for financial leadership? Start Here
Complete the two-minute Business Financial Health screening. It tells us where you stand and whether we are a good fit.
If you prefer to talk first, Schedule a free discovery call.