Fractional CFO and consulting ยท Orange County
A CFO's judgment, a few hours a month, at a small business price
Clean books tell you what happened. A fractional CFO tells you what to do next. Kathy spent eight years as a corporate controller before founding TT Tax, and brings that experience to owners who are not ready for a full-time finance hire.
- Monthly cash flow forecast and review
- Budgets and pricing checked against real margins
- Hiring, expansion and equipment decisions modeled first
- Lender and investor-ready financial packages
- Business formation, living trust and retirement planning conversations
Call (714) 462-8098 or use the form.
Book a free consultation
Tell us a little about your business. Kathy or a team member replies within one business day.
There is a stage where an owner knows the business is doing fine but cannot say with confidence whether to hire, whether prices are right, or whether the cash will stretch through the slow season. A fractional CFO answers those questions with your numbers, a few hours a month, without the cost of a full-time finance hire.
What the engagement looks like
Monthly review
Kathy sits down with you and the month’s results. What moved, why, and whether it matters. Margins by product or service line, labor as a share of sales, and the three numbers you should watch for your kind of business.
Cash flow forecast
A rolling forecast of what comes in and goes out over the next few months, updated each review, so a tight month is visible before it arrives.
Decisions with numbers attached
A new hire, a second location, a piece of equipment, a price change. We model the decision before you make it and tell you what has to be true for it to work.
Financing and formation
Lender-ready financial packages, business formation and entity setup, and planning conversations about living trusts, retirement and eventually stepping back from the business.
- Controller backgroundKathy spent eight years as a corporate controller before founding TT Tax in 2014.
- Monthly cadenceA standing review each month, plus the call when a decision comes up between reviews.
- Built on clean booksPairs with our bookkeeping so the numbers are always current.
- Tax-awareEvery recommendation is checked for its federal and California tax effect by an Enrolled Agent.
How it works
- BaselineWe review the last twelve months, build the first cash flow forecast, and agree the handful of numbers that matter most for your business.
- Monthly reviewResults, forecast update, and whatever decision is on the table, with the numbers worked through.
- Between reviewsYou call when something comes up. A quote, a lease, an offer, a hire. We give you a straight answer.
Who this is for
Owner-run businesses roughly between half a million and a few million in revenue, where decisions have real money attached but a full-time CFO makes no sense. Restaurants opening a second location, trades businesses adding crews, practices taking on partners, and founders raising a loan for the first time. Most start with our bookkeeping service and add the CFO review once the books are reliable. Tax planning is usually part of the same conversation.
Talk it through first
A free consultation is enough to tell whether a fractional CFO would pay for itself in your business. Call (714) 462-8098 or use the form above.
Questions clients ask us
What does a fractional CFO actually do each month?
Reviews the month's results with you, updates the cash flow forecast, flags anything moving the wrong way, and works through the one or two decisions in front of you with numbers attached.
Is this only for larger companies?
No. It is designed for owner-run businesses that have outgrown gut-feel decisions but do not need a full-time finance person. Many clients pair it with our bookkeeping so the numbers are always current.
Can you help me start a new business or set up a living trust?
Yes. Entity selection, registrations and the first-year setup are common projects, and we work alongside your attorney on living trusts and succession questions.
Ready to hand off the books?
Book a free consultation with Kathy Nguyen, EA. We will look at where your books stand today and tell you plainly what it would take to get them current and keep them that way.