Financial clarity and assessment
A full read on where the business actually stands: margin by product or service line, true customer acquisition cost, where cash is tied up, and which parts of the business are subsidizing the others.
Growth
Fractional CFO and financial advisory, so you’re making decisions with real numbers.
Cash flow management, forecasting, strategic planning, and ongoing advisory for business owners who are ready to grow on purpose, not by accident.
For business owners who have outgrown gut-feel decisions but are not ready for a full-time CFO.
Where our team has built experience
Strategic. Insightful. Scalable.
Most owners make growth decisions on gut feel and a bank balance
We give you the financial visibility to know what you can afford, what’s working, and what to do next, so you’re leading with information, not instinct. Kafoo CPA is Seattle-based, working virtually with clients nationwide.
Strategic planning and forecasting
A rolling cash flow forecast and an annual budget you actually use. Scenario modeling for the decisions in front of you, a hire, a lease, a price change, so you see the cash impact before you commit.
Ongoing advisory and performance management
A recurring working session where we go through the numbers together, track the handful of metrics that matter for your business, and decide what changes before the next period rather than after it.
This work builds on what comes before it
Advisory and CFO work is built on top of accurate books and a proactive tax strategy. If those aren’t in place yet, we start there, with compliance, then optimization.
What a fractional CFO actually changes
Not more reports. Fewer decisions made blind, and a shorter gap between something going wrong and you knowing about it.
See this in a real engagementBefore
- “Can we afford this hire?” is answered by looking at the bank balance
- Profit is a surprise at year end, in either direction
- Nobody knows which service line actually makes money
- Cash crunches show up with no warning
After
- Decisions are modeled before they are made
- A rolling forecast shows cash 13 weeks out
- Margin is visible by line, so pricing has a basis
- Problems surface in the monthly review, not the bank account
Kafoo CPA, financial advisory built around the business owner.
Advisory questions
What owners ask us most
Fractional CFO work is priced as a flat monthly fee based on scope, how many entities are involved, how often we meet, and how much forecasting and analysis you need. It sits well below a full-time CFO salary because you are buying a defined slice of senior attention rather than a headcount. We quote the number after a scoping conversation, before any work begins.
A bookkeeper records what happened, categorizing transactions, reconciling accounts, closing the month. A CPA interprets and reports it, preparing returns, advising on tax position, and signing off on compliance. A fractional CFO uses those numbers to decide what happens next, forecasting cash, modeling decisions, and setting the financial strategy.
They stack rather than compete. Most businesses need the first, then the second, then the third as they grow.
Most businesses under roughly $10M in revenue do not have enough continuous CFO-level work to justify a full-time hire. What they need is a few hours of senior thinking each month at the points where it matters. A full-time CFO makes sense when the finance function itself needs daily leadership, a team to manage, complex financing, or a transaction underway.
Your accountant is generally looking backward, closing periods and filing returns accurately. A fractional CFO looks forward, using those same numbers to answer questions that have not happened yet: whether you can afford a hire, what a price change does to cash, when you will need financing. At Kafoo CPA both roles sit in the same firm, so the forward-looking work is built on books we already know are right.
Monthly is the common rhythm, a working session after the close to review results, update the forecast, and decide on anything time-sensitive. Businesses in a fast-moving stretch sometimes move to every two weeks. You also get access between sessions for the decisions that will not wait.
Books that close on a predictable schedule and are accurate enough to trust. Forecasting on unreliable records produces confident-looking numbers that are wrong, which is worse than no forecast. If your books need work first, we will say so and start there.