Financial Leadership for Nurse Entrepreneurs
You spent years mastering your clinical craft. Running the financial side of a business is different.
Most nurses learn it the hard way. They watch the bank balance, wait for the tax return, and make big decisions on gut feeling. That works early on. It stops working as the business grows.
A fractional CFO knows your numbers. She helps you build the financial systems your business needs. And she helps you make better decisions — without a full-time executive on payroll.
Simple Finances® works with registered nurses, nurse practitioners, and other healthcare professionals building their own businesses. Small business owners outside healthcare are welcome here too.
A bookkeeper records what happened. A tax preparer reports what happened. A fractional CFO helps you decide what should happen next.
Here is what that includes:
- Monthly review of your financial statements with plain-language commentary.
- Cash flow management and a four-week cash forecast. You see problems before they hit.
- Break-even analysis. You know the minimum your business needs to cover its costs.
- Profit and margin review by service line. You know which work pays and which does not.
- Owner pay planning so you pay yourself on a schedule, not 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 and coordination with your tax preparer.
- Ongoing work to make your business worth more.
Simple Finances® does not prepare tax returns. CFO clients work with a separate tax preparer for all filing. We work alongside that person on planning and reserves.
Retainer Tiers
All engagements start with a 90-day minimum. Every retainer begins with a Business Financial Health Assessment at no added cost. This 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. Planning stage. Building the financial foundation before revenue arrives. |
| Core | $1,500 | 6-8 hours | Early revenue up to $250K. Business is open but needs cash flow, reporting, and consistent profit. |
| Growth | $2,500 | 10-12 hours | Revenue between $250K and $1M. Staff, multiple service lines, or more complex financial needs. |
Bookkeeping Add-On
Bookkeeping is an add-on for active CFO retainer clients only. It is not a standalone service. It is not available to clients referred through tax preparer partner relationships.
| CFO Tier | Add-On Fee | Includes |
| Starter | $300/month | Monthly transaction entry, bank and credit card reconciliation, and profit and loss report. QuickBooks Online. |
| Core | $400/month | All Starter items plus accounts receivable and payable tracking, monthly balance sheet, and 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?
Project work is a good place to start. Each project delivers value on its own and is built to lead into a retainer.
| Project | Fee | What You Get |
| Business Financial Health Assessment | $500-$750 | One-time review. Covers your profit and loss, cash position, pricing, break-even, and owner pay. Produces a written summary and 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 costs to run. Delivers a written analysis with recommended changes and projected impact. |
Do You Have an IRS Problem?
Simple Finances® is a licensed Enrolled Agent firm. If you or a business owner you know has an IRS collections problem, a lien, a levy, or an audit, we handle the representation.
Find out if your tax problem qualifies. Start the IRS Triage Form.
Start Here
Complete the two-minute Business Financial Health screening. It tells us where you are and whether we are a good fit.
Prefer to talk first? Schedule a free 30-minute discovery call.