CFO & Advisory Services
Financial strategy and advisory for businesses ready to grow. Budgeting, forecasting, cash flow planning, and the ongoing guidance you need to make confident decisions.
The Gap
Most businesses have bookkeeping covered. Someone reconciles the accounts. An accountant files the returns. What’s usually missing is the layer above that. Someone thinking strategically about where your finances are headed instead of just recording where they’ve been.
Your P&L tells you what happened last quarter. Your balance sheet shows what you own and owe right now. Neither answers the questions that actually keep you up at night. Can you afford to expand? How much runway do you have if sales slow down? Should you take on debt or wait? Those questions require forward-looking analysis, not historical reports.
Reports Without Insight
Reports Without Insight
You receive financial statements every month. You glance at revenue, check that expenses look reasonable, maybe compare to last year. But nobody sits down with you to explain what the trends mean or what you should do differently based on what the numbers are showing.
Recording vs. Planning
Recording vs. Planning
Bookkeeping records what already happened. It’s essential, but it’s not strategy. CFO work looks forward. It projects cash needs, models different scenarios, and helps you plan before problems arrive instead of reacting after they’ve already hit.
The Stakes
When your business was smaller, you could manage by gut feel. You checked the bank balance, and if there was money, things were fine. That approach breaks down as you grow. More revenue brings more complexity. More payroll, more commitments, longer gaps between when you spend money and when you collect it.
The decisions get bigger too. Hiring someone costs real money. Expanding to a second location is a serious commitment. Taking on a major contract might require upfront investment. Without financial projections and analysis, you’re making those calls based on optimism or fear rather than numbers.
Decisions Without Data
Decisions Without Data
You want to hire two more people. Can you afford it? Not just right now, but six months from now when things slow down seasonally? Without a forecast, you don’t know. You either hold back out of caution or push forward and hope it works out.
Cash Flow Surprises
Cash Flow Surprises
Profitable businesses run out of cash all the time. The P&L shows a profit, but the money is stuck in receivables or tied up in inventory. By the time you realize you’re short, you’re scrambling to make payroll. A CFO spots this coming and helps you plan around it.
The Partnership
A full-time CFO costs $150,000 to $250,000 per year before benefits. Most growing businesses can’t justify that expense but still need the expertise. That’s what fractional CFO work solves. You get strategic financial leadership at a fraction of the cost because you’re sharing that resource with other businesses.
This is a working relationship. Regular meetings where you talk through the numbers and what they mean for your decisions. A point of contact when you have a financial question. Someone who knows your business well enough to give advice that actually applies to your situation, not generic suggestions.
Budgets and Forecasts
Budgets and Forecasts
Not a spreadsheet that gets made once and ignored. Working budgets that reflect reality and get updated as conditions change. Cash flow forecasts that account for seasonality and growth plans. Scenario modeling for major decisions so you can see the impact before you commit.
Strategic Guidance
Strategic Guidance
Beyond the numbers, you get someone thinking about your business alongside you. Tax planning conversations that happen during the year instead of after. Advice on timing major purchases or investments. A financial partner who is invested in helping you grow, not just generating reports.
The Treasure Valley's Tax and Accounting Team
The Next Step:
A Short Conversation
Tell us what you're dealing with. We'll listen, answer your questions, and give you a straightforward quote.
