A bookkeeper records what happened. A full-time finance hire costs more than most Hagerstown businesses can justify. In between is where owners price jobs, hire people and take loans on instinct.
Fractional CFO work fills that gap — the analysis and the second opinion when a decision is in front of you. And because I keep the books, the numbers behind the advice are numbers I trust.
Also offered: Bookkeeping · Tax Planning · Tax Preparation
A bookkeeper records what happened. A CFO uses those records to plan what happens next — forecasting cash, setting budgets, checking margins, and building the financial case for a decision before you make it. Fractional simply means you get that work part-time, at the level your business needs right now.
If you are making decisions about pricing, hiring or borrowing and guessing at the numbers, you are big enough. Most of my CFO clients are doing a few hundred thousand to a few million in revenue with nobody in-house looking after the finances.
Yes, though it works better together. If your books are already clean and current, I can come in purely on the advisory side. If they are not, the forecasting is only as good as the data underneath it, so we usually fix that first.
Based in Hagerstown, working across Maryland, Pennsylvania and West Virginia.