Fractional CFO Services
Fractional CFO Services (Houston CPA)
A bigger decision needs more than last month’s profit and loss statement. Can the business afford another hire? How much cash will expansion require? What happens if sales arrive later than expected?
JAG CPA & Co. provides fractional CFO services for Houston business owners who want to work through those questions. We connect the accounting, assumptions, and tradeoffs so you can decide what to do next.
How CFO services build on your accounting
A forecast is only as useful as the information behind it. We start by reviewing the accounting base and identifying gaps that could change the conclusion.
Client Accounting Services provides a path from monthly books to reporting and advisory. Ascent includes CFO-style support; a separate CFO engagement defines any additional work. Your proposal identifies the accounting, models, and conversations included, so the same service is not assumed twice.
For a practical explanation of the role, read how a fractional CFO helps owners interpret their numbers.
The work behind a clearer decision
- Cash forecasting. Map expected receipts, payroll, operating costs, debt payments, and planned spending to see where timing gets tight.
- Decision scenarios. Compare the assumptions behind a hire, price change, expansion, or financing decision. Show what would need to be true for the plan to work.
- Margin and overhead analysis. Understand where the business makes money and which costs are changing the result.
- Management reporting. Connect selected performance measures to the questions leadership needs to answer.
- Financing preparation. Where agreed, organize financial information and assumptions for lender or investor discussions.
We select the deliverables and forecast horizon for your situation. Daily bookkeeping, payment processing, payroll runs, and tax returns require their own scope. Tax planning can be coordinated with the business plan through a separate engagement.
How the engagement works
Start with the decision, deadline, and information available. We agree on the analysis, meeting schedule, responsibilities, fee, and handling of additional requests before work begins.
Some questions fit a bounded project. Others benefit from ongoing review as actual results come in. We discuss that distinction instead of assuming every business needs the same meeting calendar.
Who This Is For
This work is useful when the cost of guessing has grown: you are considering a new location, a major hire, a change in pricing, or financing that will affect future cash needs.
If the immediate problem is incomplete records, bookkeeping or cleanup may be the first step. We can establish the starting point before building a plan around it.
What you should be able to use
You should leave with a clearer view of the decision: the assumptions being used, the cash required, the tradeoffs, and the next action. A forecast will change as the facts change. The value is knowing what to watch and when to revisit the plan.
Related Houston CPA Services
Joe Gallegos, CPA/CVA
Partner-in-Charge · JAG CPA & Co.
Author of The Ultimate Guide to Choosing a CPA
THE HOUSTON CPA
Let’s work through your next business decision.
Start with what you want to accomplish. We’ll look at the facts, talk through the tradeoffs, and identify a practical next step.
Public accounting since 2012 · Big Four background
Business tax planning · Cash flow · Business valuation · Advisory
Request a time, then complete the questionnaire our team emails you. Joe reviews the fit before our team confirms your phone consultation.
Read Joe’s story: the purpose and principles behind JAG