Fractional CFO for Owner-Led Businesses
The quality of your decisions is capped by the quality of your numbers.
Most owners aren't short on effort or instinct. They're short on clear, timely, trustworthy financial information. I spent 12 years analyzing public companies as an institutional equity researcher. Now I bring that discipline to businesses doing $1M to $30M, so the big calls get made on evidence instead of gut feel.
- CFA Charterholder
- 12 years institutional equity research
- Master's in Accountancy
- Working with owners nationwide
Sound familiar?
Why good decisions are harder than they should be.
Every business I work with is run by a capable owner making hard calls with soft information. The patterns repeat:
“Pricing by feel.”
Bids and prices set on habit and competitor guesses, because nobody knows true cost by job, client, or service line.
“Cash flow surprises.”
The bank balance tells you about problems after they happen. A forecast tells you six weeks before.
“Growth that hides the truth.”
Revenue is up, everyone is busy, and you genuinely cannot tell whether you are making more money or just doing more work.
“A tax accountant, but no thinking partner.”
Your CPA keeps you compliant. Nobody is helping you decide what to do next, and the books were not built to answer that question.
None of these are character flaws. They're information problems, and information problems are fixable. Usually not with a big overhaul, but with a handful of small, precise changes in the right places. That's what atomic means.
The Atomic approach
Small, precise moves. Compounding results.
Lasting improvement doesn't come from a reorg. It comes from fixing the fundamentals in the right order.
Get clear.
Clean, trustworthy numbers. Cash flow, margins, and the handful of metrics that actually drive your business, in plain English.
Get strategic.
Pricing, hiring, capital, expansion. The big calls, made with evidence and a thinking partner who has analyzed hundreds of businesses.
Get systematic.
Dashboards, forecasts, and workflows that keep the clarity running without your constant attention.
Services
How I work with owners.
Everything starts with numbers you can trust. From there, it's strategy and the systems that keep the clarity running.
Fractional CFO
Strategic finance, without the full-time hire.
- Financial strategy and planning
- Pricing and profitability analysis
- Capital allocation and budgeting
- Board, bank, and investor reporting
- Acquisition and deal analysis
- A thinking partner for the big calls
Financial Visibility
Numbers you can actually run the business on.
- Clean, reconciled books to build on
- Job costing and unit economics
- Margin by job, client, or service line
- Financial dashboards and scorecards
- KPI frameworks that fit your business
- Monthly reporting in plain English
Cash Flow & Forecasting
See the squeeze before it arrives.
- 13-week cash flow forecasting
- Scenario planning for the big decisions
- Working capital management
- Budgeting that ties to strategy
- Debt and banking relationship support
- Integrated financial models
Who this is for
Businesses doing $1M to $30M.
Big enough to need real financial thinking. Small enough that a full-time CFO doesn't make sense yet.
Job costing, WIP schedules, and cash flow between draws. My deepest specialty has its own page.
Built for builders →Project-level cash flow and consolidated visibility.
Utilization, pricing, and margin by client.
A thinking partner for the owner who carries it all.
About
I analyzed companies for a living. Now I help run them.
For 12 years I worked in institutional equity research, picking apart balance sheets, studying capital allocation, and figuring out which businesses were genuinely well run and which ones just looked that way from the outside.
The pattern was consistent. The companies that compounded were the ones that understood their own numbers and had systems to act on them. Not smarter people. Better information, used with discipline.
Atomic CFO brings that same standard to owner-led businesses. I don't hand you a spreadsheet and leave. I build the job costing, the dashboards, the forecasts, and the workflows, and I sit with you on the decisions that matter.
Big transformations start with atomic-level changes in the right places.
Ready to see your business clearly?
Book a free 30-minute call. We'll look at where you are, where you want to go, and which small changes will make the biggest difference. No pitch. Just a conversation.