Fractional CFO

As a business owner for almost 15 years, I know firsthand how challenging it can be to balance building a successful company with managing personal financial goals. Together, we identify opportunities and address gaps that may impact your short- and long-term goals, then design strategies and tactics to maximize results. Through a collaborative process, we develop sales targets and profit margins, evaluate and optimize cash flow, and create budgets that support sustainable growth.

We can help evaluate the benefits of selecting and implementing a retirement plan for you and your employees. And should you be preparing for a sale or internal transfer of ownership, we can help you sort through the alternatives and formulate a plan to maximize the value of the business and extract the wealth in a tax-efficient manner. And if you are considering a merger or acquisition, we provide an unbiased evaluation of the opportunity so you can make confident, well-informed decisions.

Services can include:

Growth Planning – Evaluating expansion opportunities, new locations, additional providers, or ancillary service lines.

Scenario & Decision Modeling – “What-if” analysis for hiring, expansion, reimbursement changes, or large capital expenditures.

Financial Forecasting & Budgeting – Analyzing historical results to forecast future performance and model financial scenarios.

Cash Flow Management – Monitoring and optimizing liquidity and cash flow to maintain financial stability and operational flexibility.

Profitability Analysis – Evaluating service lines, operations, and expenses to identify efficiencies, cost savings, and revenue opportunities.

Capital Structuring – Assisting with debt management, financing strategies, and access to credit facilities as appropriate.

Expense & Cost Management – Identifying overhead reduction opportunities and vendor or contract optimization.

Compensation & Incentive Planning – Designing physician and staff compensation structures aligned with productivity and profitability, including retirement planning (i.e., 401(k) and profit-sharing).

Accounting Oversight – Coordinating with bookkeeper, CPA, and payroll provider to ensure timely and accurate financial reporting.

Tax Strategy Coordination – Helping align business decisions with tax planning opportunities.

Owner Distribution & Retained Earnings Planning – Balancing reinvestment, liquidity, and owner compensation.