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Hartwell & Rowe CPAs

CFO Advisory

Fractional CFO service: cash-flow forecasting, pricing, margins, and a monthly meeting that keeps you ahead of the numbers.

Somewhere between $1M and $10M in revenue, most owners hit the same wall: the business generates plenty of numbers but no answers. Should we hire? Can we afford the second location? Why is revenue up 20% and cash down? A full-time CFO answers those questions — and costs $250,000 a year. Our advisory practice delivers the deciding, without the salary.

The core of the engagement is a monthly working session with a partner-level CPA: a 13-week cash-flow forecast kept current, margin analysis by product or service line, a pricing review twice a year, and a standing agenda of the decisions in front of you. You leave each session with numbers you believe and a recommendation you can act on.

Advisory clients also get us at the table when it counts — bank negotiations, major purchases, buy/sell conversations, and the eventual exit. We've sat on the owner's side of all of them.

  • Monthly working session with a partner-level CPA
  • Rolling 13-week cash-flow forecast
  • Margin analysis by product or service line
  • Semi-annual pricing review
  • Bank and lender negotiation support
  • Exit and succession planning

CFO Advisory FAQs

How is this different from my current accountant's 'advice'?

A tax accountant's advice is usually reactive and tax-shaped. Advisory is a standing monthly commitment with its own agenda: cash, margins, pricing, and the specific decisions on your desk. It's the difference between an annual physical and a coach.

What does CFO advisory cost?

Engagements run $2,000–$5,000 per month depending on cadence and complexity — roughly 1–2% of what a full-time CFO costs. If we don't believe the engagement will pay for itself, we'll say so at the consultation.

Stop Guessing at Your Numbers

Book a free 30-minute consultation. We'll review your current setup and tell you plainly what's working, what isn't, and what it would cost to fix.