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Home  /  CFO & Advisory Services  /  Fractional CFO services

Senior financial help, without the salary.

An experienced outside finance lead working with you a few days a month, for businesses that need the judgment but not the headcount.

Fractional CFO services in Cedar Park, TX

A fractional CFO is an outside adviser engaged for a defined amount of time each month. Not an employee, not on your payroll, and not a permanent fixture. You get access to senior financial judgment for a fraction of what a full-time hire would cost, and the arrangement scales up or down as the business needs it.

The work is forward-looking. A bookkeeper records what happened and an accountant reports it. A CFO uses both to decide what should happen next, then makes sure the business can afford it.

  • Financial strategy and priorities

    Where the money should go next, what the business can realistically fund, and which growth options are worth the risk they carry.

  • Cash and capital management

    Rolling forecasts, working capital discipline, debt structure, and preparing the case when you need to approach a lender.

  • Margin and pricing analysis

    Which products, services, customers, or jobs actually make money once real costs are allocated to them. The answer surprises most owners at least once.

  • Board, partner, and lender reporting

    Reporting packs and the ability to sit in the meeting and answer the follow-up questions directly.

The point at which owners bring one in

There is usually a specific trigger rather than a general sense that more finance help would be nice.

The business outgrew the owner doing it

Somewhere past a million or two in revenue, financial decisions get too consequential to make on instinct between other jobs.

Something significant is coming

Raising money, taking on debt, buying equipment, opening a second location, or preparing to sell. Each is easier with someone who has done it before in the room.

Growth is not turning into profit

Revenue climbing while margin falls is a structural problem. Finding it takes analysis rather than a better sales month.

How the engagement works

  • 1

    A defined scope and rhythm

    Usually a set number of days a month against a written list of what those days cover. You know what you are getting and what it costs before starting.

  • 2

    A diagnostic first

    The first weeks are spent understanding how the business actually earns and spends. Advice given before that is guesswork with a senior job title attached.

  • 3

    A working agenda, not a report

    Monthly sessions on live decisions, with analysis prepared beforehand so the time is spent deciding rather than presenting.

  • 4

    Reviewed and adjusted

    Some engagements intensify around a specific project and then step back down. That is the point of a fractional arrangement.

Fractional CFO support across Austin and beyond

Tim spent more than twenty years in finance and accounting, inside large multinational banks and at two of the Big Four consulting firms, before founding the practice. That is the experience the fractional engagement gives access to. Clients are typically businesses in Cedar Park, TX, Austin, TX, and the surrounding towns, plus companies in San Diego County working with him remotely. The role is always an outside advisory one, engaged by your business rather than employed within it.

Questions about fractional arrangements

  • How much time does a fractional CFO actually spend on my business?

    Commonly between one and four days a month, depending on what is happening. The scope is agreed in writing at the start and revisited as the business changes.

  • Is this the same as hiring a part-time employee?

    No. This is an outside advisory engagement. Tim is not on your payroll, not an officer of your company, and works with several businesses. That independence is part of what makes the advice useful.

  • Do I need one, or do I just need better bookkeeping?

    Often the second, and we will say so. A CFO working from unreliable books produces confident advice built on bad data. If the books need fixing first, that is the honest recommendation.

  • What size of business is this appropriate for?

    Usually somewhere past a million in revenue or twenty employees, but the real test is whether the decisions being made are consequential enough to justify senior input. Some smaller businesses facing a major decision qualify easily.

Advisory work that sits alongside

Business financial planning

The planning work, when a full CFO engagement is more than you need.

Read about it →

Cash flow analysis and forecasting

Usually the first thing a CFO engagement puts in place.

Read about it →

Monthly financial reporting package

The reporting foundation advisory work depends on.

Read about it →

Back to the full cfo & advisory services overview, or see every service in one place.

Wondering whether you need this yet?

Book a consultation. If the answer is that better bookkeeping would serve you more, we will tell you that instead.

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