The CFO Your Business Needs — at a Fraction of the Cost
Every growing business reaches a point where good bookkeeping and tax preparation aren't enough. You need someone who can look at your financials and tell you what they mean — someone who can translate numbers into strategy, identify the levers that drive profitability, and help you make the hard decisions with data, not gut feeling.
That's what a Chief Financial Officer does. But a full-time CFO costs $150K–$300K+ per year. A fractional CFO from Schemmel CPA PLLC gives you the same strategic expertise through monthly consulting sessions — at a small fraction of the cost.
What Fractional CFO Advisory Includes
Financial Dashboard & KPIs
Custom key performance indicators tracked monthly — revenue trends, profit margins, cash runway, customer acquisition cost, and other metrics that drive your specific business.
Cash Flow Forecasting
13-week and annual cash flow projections so you always know where your cash is going, when to expect tight months, and how to plan for major expenses.
Strategic Planning
New hire analysis, pricing strategy, expansion feasibility, vendor negotiations — your fractional CFO reviews and advises on the financial impact of every major decision.
Budget vs. Actual Analysis
Monthly comparison of projected budgets vs. actual performance, with variance analysis and actionable recommendations to stay on track.
Lender & Investor Readiness
Preparing financial statements, projections, and supporting documentation for bank loans, SBA applications, or investor conversations.
Profitability Analysis
Which products, services, or clients are actually profitable? Detailed margin analysis reveals where your money is really being made — and where it's being lost.
Who Is This For?
Fractional CFO advisory is built for businesses that are past the startup phase and entering growth mode. You're typically:
- → Generating $250K+ in annual revenue and wanting to scale intelligently
- → Considering hiring employees, expanding to new locations, or launching new products
- → Dealing with cash flow unpredictability and wanting better financial visibility
- → Preparing for a bank loan, SBA financing, or investor meeting
- → Tired of making financial decisions based on guesswork instead of data
Pricing
Included In
Advisory & Tax Plus
Starting at $1,110 / month
The Complete Package
Monthly CFO consulting + bookkeeping + tax planning + business & individual tax prep — all in one engagement.
Why It Works Best as a Bundle
The Advisory & Tax Plus tier is our most comprehensive engagement because every part reinforces the others. Your monthly bookkeeping provides the clean data your CFO analysis is based on. Your CFO insights inform your quarterly tax planning. And your tax returns are prepared in minutes because everything is already organized, tracked, and optimized.
This isn't just bundling for the sake of bundling — it's an integrated financial operating system for your business. One CPA handles everything, and every piece connects.