Category: Finance
Tariff Impact: Beyond Headlines to the P&L Reality for Emerging Businesses
Overview The ping-ponging news on tariffs & tariff impact has been very confusing for emerging businesses and clients that I service through my CFO services practice. The international trade commission has found that while steel and aluminum producers may benefit from tariffs imposed by President Trump, the overall economic repercussions could be detrimental, particularly for […]
Navigating ASC 606 in the SaaS World: Strategies for MRR and ARR Recognition
I recently implemented an ASC 606 system in an emerging company that needed to move from cash revenue accounting to accrual revenue accounting. Emerging businesses face this issue when they start raising capital and external parties and investors want to see audits. This whole process gets particularly tricky in situations where there is no contracted […]
Understanding the Rule of 78s: A Critical Tool for Recurring Revenue Forecasting
I recently created a series of financial calculators for businesses on my firm’s website. Shortly after I added the rule of 78s calculator, a useful concept I have used for years, I met a SaaS banker who had never heard of the rule of 78s. I learned the rule from some of the founding executives […]
Financial Calculators: An Essential Financial Tool for Business Owners
Informed decisions are key to sustainable growth and profitability. Financial calculators that once required specialized knowledge or expensive software are now accessible through targeted calculators that provide immediate insights. Whether you’re a startup founder, a seasoned entrepreneur, or a business owner looking to optimize operations, having the right financial tools can mean the difference between […]
The CFO’s Guide to AI Ethics: Navigating the Black Box Problem in Financial Decision-Making
This CFO’s guide to AI attempts to address the “black box” nature of AI systems – where the input and output path isn’t clearly understood. As a fractional CFO working across multiple organizations, I’ve observed a growing concern in the financial sector: the ethical implications of AI-driven decision-making. This presents particular challenges in finance, where […]
The Power of Fractional CFO Services for Small Businesses
The power of fractional CFO services for small businesses enables them to face unprecedented challenges in accessing sophisticated financial leadership. A part-time chief financial officer provides the flexibility and strategic value that startups and small businesses need, allowing them to access high-level financial expertise without the costs associated with a full-time hire. Drawing from my […]
Clarifying the Difference between Accounting and Finance
In this post, I am clarifying the difference between accounting and finance to help business owners and entrepreneurs better navigate the development of these key functions in their emerging businesses. Understanding the distinctions between accounting and finance degrees can also help in making informed decisions about educational and career paths. Accounting and Finance are important […]
Fractional CFO Services in the New York City Area
Complete Guide to Hiring a Fractional CFO Companies of all sizes seek ways to access high-level financial expertise without the substantial commitment of a full-time Chief Financial Officer (CFO). The solution, hiring a Fractional CFO. A Fractional CFO is a flexible solution revolutionizing how businesses manage their financial strategy and operations. By providing tailored guidance […]
The Benefits of the Best Fractional CFO Companies for Startups
Startups face unique financial challenges as they strive to grow and establish themselves in their respective industries. One valuable resource that startups can leverage is Fractional CFO services. The best fractional CFO companies provide startups with the strategic financial guidance, financial analysis, and expertise they need to navigate financial complexities, optimize their financial strategies, and […]
The CFO and Controller: Similarities and Differences
Chief Financial Officer (CFO) and Controller are not just terminologies. Both have distinct roles, and understanding their differences can help navigate the complexities within financial professionals. A CFO is a senior executive responsible for overseeing the entire organization’s financial activities and business growth. At the same time, a Controller primarily focuses on the day-to-day management […]
What Does a Fractional CFO Do?
CEOs are highly celebrated in the business world, but right underneath the building is the foundation: the Chief Financial Officer (CFO). The fractional chief financial officer (CFO) is responsible for a business’s cash flow, assets, and liabilities and is vital to the business success. In public companies, the CFO and CEO commonly appear together to […]
Practical Strategies to Improve Cash Flow For Small – Medium Sized Businesses
Meta reported $164.5 billion in revenue in 2024, with a net profit of $62.4 billion, a 59% increase from the previous year. Clearly, Meta is getting its cash flow management right. The company operates a free-for-user model but generates most of its revenue through digital advertising due to its enormous social media reach through Facebook, […]
Financial Strategy Lessons from Social Media’s Evolution
The social media industry’s two-decade evolution offers critical insights for financial strategists and executives navigating competitive markets. Through analyzing pivotal successes and failures, clear patterns emerge in how financial decisions impact market position and long-term sustainability. Strategic Infrastructure Investment Friendster’s 2022 collapse, despite capturing 115 million users, demonstrates how insufficient technical investment can destroy market […]
Financial Transformation Framework: A Fractional CFO Methodology for Independent Sponsor Success
Overview Independent sponsors face a unique challenge: creating institutional-grade value in founder-owned businesses that often lack financial sophistication. What can be done about it? This briefing lays out the case for how a strategic fractional CFO engagement can rapidly transform these businesses through financial rigor, analytics, and operational excellence. A foundation is created for long-term […]
Cash Forecasting: Methods and Relevance to a Small or Mid-Sized Business
Cash flow forecasting estimates future inflows and outflows and ensures that a company maintains adequate liquidity to meet its obligations. It is essential for the successful management of firms, especially during uncertain market conditions. Without accurate cash flow forecasting, a company may fail to meet its short-term obligations and risk bankruptcy. Small firms usually incur […]
Role of a Fractional CFO in Loan Applications for Small Businesses
In physics, leverage is a small device that can help you lift heavy objects. Likewise, financial leverage, in the form of loans, can help you grow your business without giving up any ownership. Loans can also increase the immediate development of a company, whereby, companies can invest in operations and equipment. Then, repay the loan […]
Connecticut Part-time CFO Services
Need a CFO: Things to Consider Part-time CFO services are more crucial than ever, especially in Connecticut’s diverse economic environment. From the bustling financial services sector in Stamford to the thriving healthcare industry in New Haven and the advanced manufacturing hub in Hartford, businesses across the state can benefit immensely from professional CFO services. Let’s […]
Fractional CFO Services Provider for Business
Understanding Modern Financial Leadership Needs Organizations face increasingly complex financial challenges that demand sophisticated expertise and strategic guidance. Fractional CFO services have emerged as a transformative solution, offering businesses access to institutional-grade financial leadership without the overhead of a full-time executive hire. This modern approach to financial management has become particularly relevant as businesses navigate […]
Fractional CFO Services in the Tri-State Area: A Strategic Advantage for Business Growth
Introduction How can a fractional CFO help you grow your business? In the competitive business corridor stretching from New York through New Jersey to Philadelphia, companies face unprecedented challenges in financial management and strategic growth. The traditional model of a full-time CFO, while still prevalent in larger corporations headquartered in New York and Philadelphia, may […]
Why Your Company Needs a Fractional CFO
Growing companies face unprecedented challenges in accessing sophisticated financial leadership. As a former private equity partner turned fractional CFO, I’ve seen firsthand how the right financial guidance can transform businesses. Here’s a comprehensive look at how modern fractional CFO services drive value creation and sustainable growth. From Private Equity to Hands-On Leadership After 15 years […]
How a Fractional CFO Can Help Microcaps with Their Challenges
Fractional CFOs can help microcaps with their unique challenges using many of the same techniques applicable to private companies. A little bit of a tangent this week from financial analytics topics and a dive into the practicalities of CFO work and how it integrates into investor relations and value creation. I’ve worked with private companies […]
Fractional CFO for Startups
Transforming Startup Financial Management In today’s rapidly evolving business landscape, startups and growth companies face unprecedented challenges in managing their financial operations while scaling effectively. As businesses navigate complex market dynamics, the role of a Fractional CFO has become increasingly crucial for driving sustainable growth and ensuring financial success. Understanding Modern Fractional CFO Services Beyond […]
Complete Guide to Hiring a Fractional CFO
Companies of all sizes seek ways to access high-level financial expertise without the substantial commitment of a full-time Chief Financial Officer (CFO). The solution, hiring a Fractional CFO. A Fractional CFO is a flexible solution revolutionizing how businesses manage their financial strategy and operations. Understanding the Fractional CFO Model A Fractional CFO is a seasoned […]
The Fractional CFO: Your Sustainable Growth Guide
You’re steering the ship of a bustling business, and you’ve got a Fractional CFO as your trusty navigator. Growth is on the horizon, and you’re eager to chase it. But hold on—how do you know how fast to go without risking it all? That’s where the concept of the Sustainable Growth Rate (SGR) comes into […]
Navigating Financial KPIs with Fractional CFO Services
Successful companies understand that maximizing resource efficiency goes far beyond basic financial management. As businesses evolve, the need for sophisticated financial leadership has become increasingly critical, yet many organizations aren’t ready for a full-time CFO. This is where fractional CFO services create transformative value. The Evolution of Modern Financial Leadership The role of financial leadership […]
Mastering the Art of Selling My Business
A Strategic Approach to Selling My Business The journey of selling a business extends far beyond the transaction itself. Today’s successful exits require sophisticated financial planning, strategic optimization, and expert guidance to maximize value. This comprehensive guide explores how modern business owners can prepare for a successful exit while building lasting value. The Foundation of […]
What are the Things to Consider Before Selling My Business?
A Fractional CFO can help. Having helped numerous founders navigate successful exits while serving as both a PE partner and fractional CFO, I’ve learned that creating significant wealth through a business sale requires strategic preparation long before any buyer appears. This is where sophisticated financial leadership becomes crucial. Ask yourself, what are the things to […]
The Strategic Value of Fractional CFO Services in Connecticut
Connecticut’s dynamic business landscape presents unique challenges and opportunities for companies seeking sophisticated financial leadership. From Hartford’s insurance giants to New Haven’s burgeoning biotech sector, businesses increasingly need strategic financial guidance to navigate complex market dynamics and regulatory requirements. As someone who’s worked extensively in the Northeast corridor, I’ve seen how Connecticut’s position between New […]
Fractional CFO Solutions in Minnesota: Driving Financial Growth
Minnesota’s diverse economy, from Minneapolis’ financial services and healthcare to St. Paul’s government activities and Rochester’s medical research sector, presents unique opportunities and challenges. Modern organizations increasingly seek fractional CFO services to navigate this specialized market while accessing sophisticated financial expertise without full-time executive costs. Navigating Minnesota’s Evolving Business Landscape Minnesota’s position as a healthcare […]
Maximizing Efficiency with a SaaS Fractional CFO
In the book “How an Economy Grows and Why it Crashes,” the author, Peter Schiff, discusses three (3) characters on an island: Charlie, Able, and Baker. The islanders do not have tools and fish every day by hand. Each is only able to catch one fish per day. however, Able had a dream that he […]
Navigating Financial Challenges with Fractional CFO Expertise
Sophisticated financial leadership is crucial for success. Drawing from my experience as both a PE partner and hands-on CFO, I’ve seen how the right financial guidance transforms organizations. Here’s how modern fractional CFO services drive value creation. Strategic Financial Leadership Strategic CFO guidance must combine sophisticated analysis with practical execution. From implementing 98% accurate revenue […]
Fractional CFOs: A Growth Advantage for Colorado Businesses In the Centennial State
Colorado’s various economies spanning Denver’s booming tech region, Boulder’s natural merchandise enterprise, and Colorado Springs’ aerospace innovation provides both possibilities and demanding situations. Many agencies flip to fractional CFO offerings to navigate this dynamic market, gaining high-stage economic information without the charges of a full-time government. Exploring Colorado’s Thriving Business Landscape Colorado offers a dynamic […]
The Role of Fractional CFOs in Family-Owned Businesses
Engaging a Fractional CFO for family-owned businesses can provide the strategic financial guidance and expertise required to navigate these complexities and achieve sustainable growth. The Johnsons own a transport and logistics family-owned business, which started with one vehicle but has grown to over fifty vehicles covering two cities. With the growth comes increased requests for […]
Strategic Financial Leadership: Outsourced CFO Value in Alaska
Alaska’s unique business landscape, from Anchorage’s energy sector to Juneau’s tourism industry and Fairbanks’ resource development, presents distinct opportunities and challenges. More companies are turning to fractional CFO services to navigate this specialized market while gaining high-level financial expertise without the cost of a full-time executive. Understanding Alaska’s Business Landscape As a hub for energy, […]