Helping Business Owners Navigate Their Financial Future

Optimize cash flow and embrace financial growth.

Our Purpose

We help entrepreneurs scale, optimize cash flow and embrace financial growth. Our approach is rooted in understanding the unique aspects of each business. Beginning with earnest listening, we tailor our services to align precisely with your goals. As your dedicated financial partners, we stand by your side, illuminating the way through uncertainties and providing invaluable insights to help your business towards success.

Why Hire a Fractional CFO?

There are many reasons why you may need a fractional CFO for your business, such as:

You are growing fast and need strategic financial guidance: If your business is experiencing rapid growth, a fractional CFO helps you navigate the challenges and opportunities by helping you plan and execute your growth strategy, optimize your capital structure, and manage your cash flow and profitability.

You are facing financial difficulties and need expert advice: If your business is facing monetary challenges, such as cash flow issues, a fractional CFO helps you identify and resolve the root causes of your financial problems, implement cost-cutting measures, and secure additional funding if needed.

You are preparing for a significant event and need professional support: If your business is preparing for a major event, such as a raising capital, a fractional CFO helps you prepare the necessary documentation, valuation, and negotiation, as well as manage the legal and regulatory aspects of the event.

You don’t have the budget or need for a full-time CFO: If your business is not large or complex enough to justify hiring a full-time CFO, having a fractional CFO can provide you with the same level of expertise and experience as a full-time CFO, but at a fraction of the cost and time commitment.

Deliverables & Services

Small Businesses need strategic finance but typically can’t afford a full-time CFO. Our flexible and fractional approach is an affordable option to accelerate your company’s progress.

We offer a comprehensive and forward-looking approach to cash planning. Through meticulous analysis of your historical financial data and current business operations, we will develop accurate and reliable cash flow projections, enabling you to make informed decisions, anticipate potential cash shortfalls, and implement effective strategies to maintain optimal liquidity and financial stability for your business.

By conducting a detailed analysis of your historical sales data, market trends, and industry benchmarks, we will develop accurate and realistic revenue projections, while also examining your cost structure and supply chain dynamics to create precise Cost of Goods Sold (COGS) estimates, empowering you to make data-driven decisions, optimize your pricing strategies, and enhance profitability.

Through a thorough examination of your product/service costs, market dynamics, and competitive landscape, we will develop a comprehensive pricing strategy that maximizes your profitability while remaining competitive, ensuring you achieve sustainable growth and make informed pricing decisions to enhance your bottom line.

We can provide you with a comprehensive understanding of your business’s financial performance and future prospects. By creating sophisticated financial models tailored to your specific needs, we will help you make informed decisions, evaluate investment opportunities, and assess various scenarios, empowering you to achieve sustainable growth and maximize profitability.

By analyzing your financial performance against budgeted targets, we will identify variances and recommend actionable strategies to improve cost efficiency and revenue generation. Additionally, through monthly rolling forecasts, we will provide real-time insights into your financial outlook, allowing you to adapt to changing market conditions and make proactive adjustments to achieve your financial goals effectively.

We can provide clear and actionable insights into your financial data. We will design and implement customized dashboards that consolidate key financial metrics and performance indicators, enabling you to make informed decisions quickly, identify trends, and track progress toward your financial goals with ease and efficiency. This visualization of critical financial information will enhance your strategic decision-making process and improve overall financial management.

We will work closely with your team to identify key performance indicators (KPIs) and business metrics relevant to your industry and goals. By implementing a robust measurement system, we will provide you with valuable data-driven insights into your company’s performance, enabling better decision-making, early detection of potential issues, and strategic planning for long-term success.

We offer reviews of your KPIs, income statement, balance sheet, and cashflow. We will analyze your revenue, growth and profit margins to drive an open and honest discussion of the good, the bad, and the ugly.

We will help you align your specific goals with the actions of the business. For example, you may want to spend more time with your family, raise money from investors or pay off your home.

Cash Flow Forecasting
We offer a comprehensive and forward-looking approach to cash planning. Through meticulous analysis of your historical financial data and current business operations, we will develop accurate and reliable cash flow projections, enabling you to make informed decisions, anticipate potential cash shortfalls, and implement effective strategies to maintain optimal liquidity and financial stability for your business.

Revenue & COGS Projections
By conducting a detailed analysis of your historical sales data, market trends, and industry benchmarks, we will develop accurate and realistic revenue projections, while also examining your cost structure and supply chain dynamics to create precise Cost of Goods Sold (COGS) estimates, empowering you to make data-driven decisions, optimize your pricing strategies, and enhance profitability.

Pricing & Profitability Analysis
Through a thorough examination of your product/service costs, market dynamics, and competitive landscape, we will develop a comprehensive pricing strategy that maximizes your profitability while remaining competitive, ensuring you achieve sustainable growth and make informed pricing decisions to enhance your bottom line.

Financial Modeling & Analysis
We can provide you with a comprehensive understanding of your business’s financial performance and future prospects. By creating sophisticated financial models tailored to your specific needs, we will help you make informed decisions, evaluate investment opportunities, and assess various scenarios, empowering you to achieve sustainable growth and maximize profitability.

Budget vs. Actuals, Monthly Rolling Forecasts
By analyzing your financial performance against budgeted targets, we will identify variances and recommend actionable strategies to improve cost efficiency and revenue generation. Additionally, through monthly rolling forecasts, we will provide real-time insights into your financial outlook, allowing you to adapt to changing market conditions and make proactive adjustments to achieve your financial goals effectively.

Dashboard Reporting
We can provide clear and actionable insights into your financial data. We will design and implement customized dashboards that consolidate key financial metrics and performance indicators, enabling you to make informed decisions quickly, identify trends, and track progress toward your financial goals with ease and efficiency. This visualization of critical financial information will enhance your strategic decision-making process and improve overall financial management.

KPI & Business Metrics Implementation
We will work closely with your team to identify key performance indicators (KPIs) and business metrics relevant to your industry and goals. By implementing a robust measurement system, we will provide you with valuable data-driven insights into your company’s performance, enabling better decision-making, early detection of potential issues, and strategic planning for long-term success.

Internal Goal Setting
We will help you align your specific goals with the actions of the business. For example, you may want to spend more time with your family, raise money from investors or pay off your home.

How It Works

Step 1. Consultation Call

30-min phone call to identify your exact needs, pain points, values and goals. We will then explain our values and service packages to determine if we are a good fit. If we are a good fit, we will send you an agreement to sign and begin the onboarding process.

Step 2. Onboarding

We will meet with your bookkeeper or accountant to review and discuss previous years financial statements and tax returns. We will then meet with your management team to discuss and review key performance indicators and objectives.

Step 3. Check-Ins

We will have check-ins twice a month. The first will be a 30-minute phone call to answer any questions from you and your management team. The second call will be a 60-minute virtual meeting where we will present an in depth review of your business.

CFO Packages

CFO Core

+One-Time onboarding

  1. Two meetings per month:
    • 1-30 minute phone meeting
    • 1-60 minute virtual meeting
  2. Phone meeting:
    • Answer any of management questions
  3. Virtual Meeting
    • Present previous period’s financial performance
    • Present budget vs. actual report
    • Provide 12-month forward-looking cash forecast
    • Align on budget changes
    • Answer any of management’s questions
  4.  72-hour response time on email communication
CFO Advanced

+One-Time onboarding

1) Everything in CFO Core, plus:

2) Provide technical oversight, support, and feedback to the company’s internal bookkeeping and accounting personnel

3) Assist management in preparing Board Reporting

4) 48-hour response time on email communication

CFO Executive

+One-Time onboarding

1)Everything in CFO Core & Advanced, plus:

2) Monthly CFO meetings are 90 minutes (vs. 60 minutes)

3) 8-Hour annual strategic planning meeting with your entire team, in person, at a location of management’s choosing

Our Passion

My team and I

are passionate

about collaborating with businesses to help them scale, optimize cash flow and embrace financial growth. 

Our approach is rooted in understanding the uniqueness of each business. Beginning with earnest listening, we tailor our services to align precisely with your goals. With a strong foundation in financial planning and analytics, we expertly craft forecasts that harmonize seamlessly with your business, guiding you towards strategic and well-informed decisions.

Background:

I’m Joe Isaac,

the founder of The CFO Group.

I started my career at the Big 4 CPA Firm, Ernst & Young, where I worked with clients in Technology, Aerospace & Defense, Manufacturing, and Insurance. These experiences gave me a strong foundation in understanding financial complexities.

I then spent the next ten years at Amazon learning how to start and scale businesses. While there, I:

  • oversaw the finances for the Sports division where we achieved solid growth and formed strategic partnerships with brands like Under Armour and Nike.
  • took on the challenge of turning around struggling businesses in Tools and Major Appliances.
  • played a key role In Amazon’s strategic partnership with Apple, ensuring it was a success for both sides.
  • led teams focused on Financial Planning, Analytics, and Technology for Amazon’s $250 billion International Retail segment giving me global finance experience.

Later, I shifted my focus to startups, aiming to help entrepreneurs in various industries such as handmade products, short-term rentals, restaurants, health and fitness, construction, and more.

If you’re open to collaborating and driving business growth, let’s connect. Please schedule a conversation. Together, we can work toward your business goals.