Service
CFO-level strategyfor growing WestMichigan businesses
Executive-level financial strategy, without a full-time CFO salary.
Overview
How Fractional CFO Services helps you
Most small businesses don't need a full-time CFO — they need CFO thinking. As a Fractional Certified CFO, Jill gives you the forecasting, margin analysis, and financial strategy of a senior executive for a fraction of the cost.
Cash flow forecasting
Rolling forecasts so you always know what's coming and when.
Budgeting & KPIs
Annual budgets and the handful of metrics that actually drive your business.
Profitability analysis
Which products, services, and clients truly make you money.
Strategic advisory
Pricing, hiring, financing, and growth decisions backed by real numbers.
What a fractional CFO does for your business
A bookkeeper records what happened. A CFO tells you what to do next. Fractional CFO services give you a senior financial partner who reads your numbers, spots the trends early, and helps you make decisions with confidence — on a part-time, flexible engagement that fits a small or mid-sized business budget.
We work with owners across Grandville, Grand Rapids, Jenison, and West Michigan who have outgrown 'checking the bank balance' but aren't ready to hire a six-figure executive.
Cash flow, budgeting, and the numbers that matter
Profitable businesses still fail from poor cash flow. We build rolling cash flow forecasts, a realistic operating budget, and a short list of KPIs you can review each month — so payroll, taxes, and growth investments are planned, not improvised.
You'll get plain-English monthly reporting that connects your financial statements to the decisions in front of you.
Strategy that pairs with proactive tax planning
Because we also handle your accounting and tax planning, CFO strategy and tax strategy move together. Entity structure, owner compensation, equipment purchases, and retirement contributions are all evaluated for both business impact and tax impact — something a standalone consultant can't do.
FAQ
Fractional CFO Services — common questions
What is a fractional CFO?+
A part-time chief financial officer. You get executive-level forecasting, budgeting, and strategy on a flexible engagement instead of hiring a full-time CFO.
How is this different from bookkeeping?+
Bookkeeping records the past accurately. CFO work uses those numbers to forecast cash, improve margins, and guide decisions about pricing, hiring, and growth.
What size business needs a fractional CFO?+
Most owners benefit once revenue, payroll, or complexity outgrows gut instinct — often somewhere between their first employees and their first few million in revenue.
How often would we meet?+
Typically monthly or quarterly, depending on the engagement, with reporting and availability in between for decisions that can't wait.
Do you also handle our taxes and books?+
Yes, and that's the advantage. When one firm owns the books, the tax plan, and the strategy, nothing falls through the cracks.
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