CFO Services for Business Owners
Fractional CFO services that turn your numbers into decisions.
Most owners get plenty of reports and still can't answer “are we on track?” We give you a simple financial operating system, targets, KPIs, forecasting, and tie it to your personal financial plan. And we do it alongside your accountant, not instead of them.
A fractional CFO is an experienced financial executive who works with your business part-time, setting targets, building forecasts, and turning your numbers into decisions, for a fraction of the cost of a full-time hire. At Boston Integrity, our fractional CFO work also connects to your personal financial plan, so business decisions and personal wealth stay aligned.
An accounting firm records the past and files your taxes. A fractional CFO helps you decide what to do next, and we go one step further by linking those decisions to your retirement, your investments, and your eventual exit.
How we work together
Accounting firm vs. fractional CFO
Two roles, not rivals. Your accounting firm keeps the past accurate and compliant; we look forward. Here's who does what, and why most owners need both.
| Accounting Firm | Boston Integrity CFO | |
|---|---|---|
| Historical accuracy and compliance | ||
| Records transactions | ||
| Reconciles accounts | ||
| Payroll compliance & reasonable compensation | ||
| Files taxes | ||
| Communicates profit and tax issues | ||
| Forecasting | ||
| Budgeting and KPIs | ||
| Turns numbers into decisions | ||
| Connects business decisions to personal wealth | ||
| Proactive communication & estimated-tax strategy |
Which level are you?
We meet your business where it is.
Most owner-led businesses sit in one of three stages. Find yours, it's about where your decision-making is, not your revenue.
Bookkeeping is in place and basic reports are available, but there's no clear plan, targets, a budget, and a simple scorecard.
You're here if the books exist, but you can't confidently answer: “Are we on pace for revenue, margin, and cash this quarter?”
What you're feeling
- You know revenue after the fact, but have no clear monthly or quarterly targets.
- You don't know what gross margin you should be aiming for.
- There's no clear operating budget, and overhead grows without a plan.
- Cash flow is irregular and hard to predict.
- You're unsure what you can afford to spend, hire, or invest in.
- You're growing, but profit is inconsistent, and there's no scorecard.
What we build
- Revenue target model
- Gross margin target model
- Operating budget + budget-vs-actual review
- Monthly financial scorecard
- Cash flow visibility
- Owner compensation / draw planning
How it works
A simple monthly rhythm that turns numbers into decisions.
Onboard
We start by getting to know you, your goals, what's working, and what's keeping you up at night, then gather what we need from you and your accountant to find your level (1–3).
Build the operating system
Targets, scorecard, KPIs, and forecast, the financial backbone your decisions run on.
Monthly review
A standing meeting that turns the numbers into decisions: what made money, what missed, what's next.
Annual tax planning
Each fall, we get you in front of your accountant before year-end, so tax decisions get made ahead of time with a strategy in place, not scrambled at filing.
Clear boundaries
We focus on finance leadership and implementation. We don't provide legal or tax advice, we coordinate with your CPA and attorney. We don't replace your accountant; we work with them.
Questions
Fractional CFO FAQ
Want the plain-language background first? Read what a fractional CFO does or fractional CFO vs. CPA.
Far less than a full-time CFO. You get experienced financial leadership part-time, scaled to your size and stage, Foundation, Control, or Scale, without the full-time salary, benefits, and overhead.
Let's talk numbers
See what a fractional CFO would build for you.
Book a demo and we'll walk through the targets, scorecards, and forecasts we'd put in place, and where you'd land in the first 30–60 days.
We work with your CPA, not instead of them.