Most owners think they are the same person. They are not, and the gap is where most of the money hides.
Here are real questions business owners ask. Tap one and see who actually answers it.
Files your return, keeps you compliant, and handles what you owe.
Reads your numbers every month and helps you decide what to do next.
Tap a question
Notice the pattern. The CPA answers questions about the past and the IRS. The CFO answers questions about the future and your growth. You need both seats filled.
| CPA | Fractional CFO (us) | |
|---|---|---|
| What they do | Prepares and files your taxes and keeps you compliant | Reads your numbers and guides your decisions |
| Time focus | Last year, for the IRS | This month and the year ahead |
| How often you talk | Usually once a year at tax time | Every month |
| The question they answer | What do I owe? | How do I grow, and where is money leaking? |
| What you walk away with | A filed return | A decision and a plan |
| Typical cost | Per return or by the hour | A flat monthly fee, far below a full-time CFO |
A CPA is essential at tax time. But a CPA is not watching your cash in March or telling you whether the hire you want in June makes sense. That is a CFO. A full-time CFO costs $250,000 or more a year, which is why almost no small business has ever had one. A fractional CFO gives you that seat for a monthly fee a real business can afford.
Keep your CPA for taxes. We fill the CFO seat, clean and close your books every month, put them on a live dashboard, and sit with you to decide what to do next. We work with your CPA, not around them.
Book Your Free Profit Leak Review15 minutes. We look at your numbers and show you what we find. No pressure.