Frequently Asked Questions

A bookkeeper records transactions, and a controller makes sure the books are accurate and closed on time. A fractional CFO works part-time to turn those numbers into forward-looking decisions: cash planning, forecasting, pricing, financing and growth strategy.

It depends on the scope and how often we meet. Most engagements are a monthly retainer or a defined project. For comparison, industry estimates put a full-time CFO at roughly $175,000 to $400,000 or more per year in total cost.

Yes. Fractional CFO, advisory and federal tax services are available to businesses nationwide. We meet by Zoom and phone and exchange documents through secure file sharing. Audit, review and compilation services are provided to Arizona businesses only.

Typically owner-led businesses with roughly $1 million to $25 million in annual revenue that have outgrown basic bookkeeping but aren't ready for a full-time CFO.

Usually a monthly financial package with KPIs, a rolling cash-flow forecast, a budget-versus-actual review, and a scheduled video meeting, plus email and phone access between meetings. The exact scope is agreed in writing before we start.

We start with a review of your books, systems and goals, then agree on the reports and meeting schedule that fit your business. If your records need cleanup first, we'll tell you up front.

No. David works with common platforms such as QuickBooks and Xero and alongside your existing bookkeeper or staff.

Yes. We can prepare forecasts, financial packages and supporting analysis that lenders and investors commonly ask for. Funding decisions are always made by the lender or investor, so we can't promise approval.

Yes. Federal tax planning, preparation and IRS representation are available nationwide, and state returns can be prepared as part of the engagement.

No. Audit, review and compilation services are provided to Arizona businesses only. If you need attest services in another state, we can help coordinate with a firm licensed there while continuing to support you as your CFO.

We use secure file sharing and read-only access to your accounting system wherever possible, so sensitive documents don't travel by regular email.

Construction and trade contractors, seasonal and tourism businesses, government contractors, professional service firms, and veteran- and family-owned businesses.