CFO Services
Fractional CFO support for owners who want to run the business on real numbers.
Ashmore Books provides fractional CFO services to U.S. small and mid-sized businesses: management financials with commentary, cash-flow forecasting, margin and KPI analysis, decision modeling, and lender-ready packages, delivered monthly by the same team that keeps the books reconciled and plans the tax.
What is included
A monthly CFO rhythm, not a one-time report.
01
Management financials
Profit and Loss, Balance Sheet, and cash flow presented for decisions, with written commentary on what changed and why.
02
Cash-flow forecast
A rolling 13-week cash forecast and a 12-month view, so payroll, tax payments, and growth spending are planned rather than discovered.
03
Margins and KPIs
Gross margin by service or product line, labor efficiency, customer concentration, and the handful of metrics that actually drive your business.
04
Monthly review call
A structured session on the numbers, the decisions in front of you, and the actions for the next month, with a written summary afterward.
Strategic support
When a decision has a number attached, we model it first.
Pricing and profitability
What a price change, a new service line, or a dropped client does to margin and cash.
Hiring and capacity
When the next hire pays for itself, and what utilization or revenue it needs to hit.
Financing and investors
Lender and investor-ready financial packages, covenant tracking, and a clean story behind the numbers.
Owner compensation and structure
Salary versus distributions, entity structure, and retirement funding, coordinated with tax planning.
Why it works
CFO insight is only as good as the books underneath it.
Most fractional CFO arrangements sit on top of someone else’s bookkeeping and spend half the engagement questioning the numbers. Ashmore closes the books, reviews the Balance Sheet, plans the tax, and then advises, so the analysis starts from figures that are already reconciled and understood.
- Books reconciled and reviewed by the same team
- Tax planning built into every forecast
- Balance Sheet control: loans, liabilities, and equity tied out
- Quarterly estimated taxes and cash needs aligned
- One point of contact for accounting, tax, and advisory
- Reply within one business day
Who it is for
Built for businesses that have outgrown a bookkeeper.
Owner-led companies scaling past the first few hires
Where cash timing, pricing, and hiring decisions now carry real consequences.
Multi-entity and multi-location businesses
Consolidated management reporting and intercompany clarity, so the whole picture is visible.
Businesses preparing for financing, a sale, or investment
Clean historicals, credible forecasts, and a package a lender or buyer can rely on.
Pricing
Fixed monthly retainer, scoped to your business.
CFO services are priced as a fixed monthly retainer based on the size and complexity of the business, the reporting required, and the cadence of review. Most engagements combine CFO services with monthly accounting and tax planning so one team owns the full picture. You approve the scope and pricing before work begins. See how pricing works.
FAQ
Common questions
What does a fractional CFO do that a bookkeeper does not?
A bookkeeper records what happened. A fractional CFO interprets it and helps decide what to do next: cash-flow forecasting, margin analysis, pricing and hiring decisions, financing preparation, and a monthly review of results against plan.
Do I need monthly accounting from Ashmore to use CFO services?
It is strongly recommended. CFO analysis depends on reconciled books. If your books are current and reliable elsewhere, we can review them first and advise on that basis.
How is the retainer set?
By the size and complexity of the business, the reports and forecasts required, and how often we meet. It is a fixed monthly fee approved before work begins.
Can CFO services include tax planning?
Yes. Tax planning is coordinated by the same Enrolled Agent-led team, so forecasts include estimated taxes and planning decisions are reflected in the numbers.
Want a monthly read on cash, margins, and what to do next?
Tell us about the business, the decisions coming up, and where the books stand today. You will hear back within one business day.