Fractional CFO
A great bookkeeper keeps the records clean. A great Fractional CFO turns those records into decisions.
PFG Tax provides Fractional CFO services for business owners who want clear financial reporting, tighter control of cash flow, and better profitability—without hiring a full-time CFO. If you’re making decisions based on your bank balance (instead of your financial statements), we’ll help you build a real financial operating system.
What We Do as Your Fractional CFO
Profit & Loss (P&L) Review and Creation
Your P&L should tell you what happened this month—and why. We build and/or review your P&L so you can confidently answer:
-Are we actually profitable, or just busy?
-What expenses are growing faster than revenue?
-What margins are improving or eroding?
-What should we change next month?
We also help you standardize categories so your P&L is consistent month to month, making trends easy to spot.
Balance Sheet Review and Clean-Up
Most small businesses ignore the balance sheet—until they can’t.
We review and help clean up your balance sheet so you understand:
-Cash position and working capital
-Accounts receivable and accounts payable health
-Loan balances and debt structure
-Owner distributions and equity
-Inventory (if applicable) and asset tracking
A clean balance sheet improves decision-making, tax planning, and lending readiness.
Bank Statement Review (Cash Reality Check)
Financial statements are only as good as the cash activity behind them.
We review bank statements alongside your books to:
-Validate that transactions are categorized correctly
-Identify subscriptions, leakage, and unnecessary spend
-Confirm deposits and revenue timing
-Spot irregularities, duplicates, and missed items
-Reconcile cash movement to the P&L and balance sheet
This is where we find the “quiet problems” that cost money over time.
Project Profitability and Job Costing
If you do project-based work (construction, trades, agencies, professional services), your business lives and dies by job profitability.
We help you measure and improve:
-Profit by project, job, or client
-Labor and subcontractor costs by job
-Change order and scope creep impact
-Time-to-complete vs estimated time
-Pricing improvements based on real outcomes
You’ll know which projects make money, which ones drain resources, and what to stop doing.
Cost of Goods Sold (COGS) Percentage Analysis
COGS is one of the fastest ways to diagnose margin health.
We track your COGS percentage and help you answer:
-Are material/subcontractor/vendor costs increasing?
-Are we pricing correctly for today’s costs?
-Do we have margin by service line?
-What’s the real gross profit after direct costs?
Then we turn that into action—pricing adjustments, vendor strategy, scope control, or operational changes.
Payroll Percentage and Labor Efficiency
Payroll is often the biggest expense—and the hardest to control without visibility.
We analyze your payroll as a percentage of revenue and break it down by:
-Direct labor vs admin labor
-Overtime and scheduling inefficiencies
-Staffing levels vs production demand
-Revenue-per-employee and labor utilization
The goal isn’t to “cut payroll.” The goal is to align staffing with profitability and growth.
Who This Is For
Fractional CFO services are a great fit if you:
-Have consistent revenue but inconsistent profit
-Want to understand margins and cash flow month to month
-Run projects/jobs and need real job costing
-Feel unsure about what your financial statements are telling you
-Want CFO-level guidance without CFO-level overhead
What You Get (Deliverables)
Depending on your needs, Fractional CFO support can include:
-Monthly P&L + balance sheet review (with owner summary)
-Bank statement review and cash-flow insights
-KPI dashboard (gross margin, net margin, COGS %, payroll %, cash runway)
-Project/job profitability reporting
-Recommendations and action plan (what to change next month)
Get Started
If you want clarity on profitability, cash flow, and decision-making—start with a financial review. We’ll look at your current statements, ask the right questions, and outline exactly what we’d improve first.
